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First check you’re eligible for a personal loan:

  • You have a debit and/or credit card*
  • You have a permanent UK address

To complete your application you will need:

  • Your bank details
  • Details of monthly income and outgoings including mortgage and tax
  • Your debit/credit card details*

Important information

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.

*To validate your identity and protect you against fraud, we require details of one of your credit or debit cards (American express or Diners Club cannot be used). A charge of 1p will be made to this account to complete validation and then refunded back to your account. Your card details will not be stored as part of your application or used for any other purposes.

What happens next

We aim to give online decisions for applications submitted between 8am-10pm Monday to Friday, 8am-6pm on Saturday and 9am-6pm on Sunday. If we are unable to provide an instant decision or your application is submitted outside these times, we will aim to inform you within one working day.

If your loan is accepted online and you choose to print your documents, we'll send you an activation code by First Class post. You will need your activation code to complete the online process.


Apply online

Please let us know if you are an existing or new customer?

Started an application?

Retrieve your application if you've started your application in the last 30 days.

Retrieve my application



Calculate how much your repayments could be


To apply for a loan you must be aged 18 or over.

Find a branch

Find your nearest Clydesdale Bank branch, Business and Private Banking centre or ATM

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Contact us

Get in touch to discover how our advisors can help you.

  • We’re here
  • Mon-Fri 8am – 8pm
  • Sat 9am – 5pm
  • Sun 10am – 4pm

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