Personal Loans

• Borrow up to £25,000 – other loan amounts available
• Fixed interest rates – make budgeting easier as your interest rate will not vary over the life of the loan
• Unsecured loans – you don’t need to use your home as security
• Choice of loan terms – from one to seven years
• Early repayment options – with no hidden charges

Protect your payments
Our payment protection cover will meet your loan repayments if you can’t work

• More on payment protection

Not a Yorkshire Bank customer?

Online applications available to existing customers only. If you are a new customer, please visit one of our branches to apply.
Find out about our great range of current accounts
 

Apply for your unsecured loan - online

It’s easy to apply for a personal loan online. We’ll usually let you know within one working day if your application has been accepted.

• You’ll need a Yorkshire Bank current account before you apply. Don’t have one? Check out our great range of current accounts.

• You must be aged 18 or over to apply

• By continuing, you confirm that you have read and agree with the Use of Personal Information statement and are happy to continue with the application

Existing customers apply online

Protect your loan repayments against the unexpected

• Choose the simple, affordable way to protect your loan repayments
• Protect against unemployment, accident or sickness and death
• Free, independent and confidential advice

Could you afford your Personal Loan if your circumstances changed? Taking our optional Personal Loan Payment Protection Insurance means you’ll be able to continue to make your repayments even if you lose your job, or can’t work due to an accident or sickness. On approval of your Personal Loan, we will contact you by phone to discuss our Payment Protection Insurance.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.

How to apply for Payment Protection Insurance

• Once you have applied for your personal loan the adviser will speak to you about protecting the loan with our insurance

What does it cost?

The average* monthly cost for every £100 of monthly benefit for this insurance is £9.62. The cost of insurance is subject to the Term and Value of your Loan.
*Average cost is based on the current premiums paid by Clydesdale and Yorkshire Bank customers, based on an average term of 45 months and loan amount of £6,150.71

What you get

Protection that gives you peace of mind

Protect your loan against the risk of accident or sickness, unemployment and death by taking out our optional Personal Loan Payment Protection Insurance (subject to terms and conditions).

Access to free, independent and confidential advice on coping with an accident or sickness, unemployment and getting back to work.

To enjoy the security and protection of Payment Protection Insurance, you must meet our eligibility criteria. You are eligible for this insurance if at the start date:

• you are aged 18 years or over and under 64; and
• you work at least 16 hours per week in the UK and have done so continuously for at least the last six months; and
• you live in the UK; and
• you are the first named on the loan agreement
• you have not received any notification from your employer that your own job is at risk
• your company or the company you are employed by, is not currently in or has not announced formally or informally it is going into administration, receivership or liquidation

If your Personal Loan application is approved we will contact you by phone usually within one business day to discuss our Payment Protection Insurance.