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Focus on the future with a personal loan
Get your loan rate before you apply, without it affecting your credit score. Subject to application, financial circumstances and borrowing history.
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LOAN
Get your loan rate before you apply, without it affecting your credit score. Subject to application, financial circumstances and borrowing history.
Try our loans calculator
Loans calculatorWhen it comes to putting your plans into action, it’s personal. And with a personalised loan potentially just a few clicks away, getting things moving could be simpler than you think.
Subject to application, financial circumstances and borrowing history.
most accepted customers get
Representative APR (variable)
6.3% APR
on loans of
£7,500 – £15,000
over
2–5 years
(Your rate may differ)
The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown.
Whether you'd like a loan to consolidate debts or buy something special, we've got lending options to suit you. Subject to application, financial circumstances and borrowing history.
Consolidating could help you take control of your money – you'll have all your debts in one place, with one fixed monthly payment.
Consolidate your debtGet more from your home – whether it's a brand new bathroom or sprucing up your lounge.
Improve your homeA holiday loan is when you take out a personal loan to cover the cost of your next break.
Pay for your holidayA wedding loan means you can pay your wedding costs in one go, then pay us back monthly.
Pay for your perfect dayTake out a personal loan for energy-efficient home improvements and you could get cashback. Terms apply.
6.3% APR Representative on loans of £7,500–£15,000 over 2–5 years.
Greener Home Loan
Choose the card that could be right for you – you could find a card to meet your needs.
Subject to application, financial circumstances and borrowing history
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Need to borrow a little more? You might be able to top up or get an extra loan.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
Top up your borrowing
There might be other ways to borrow that are better for you than a loan, depending on your needs.
Borrowing optionsWhether you're wondering if you can get a loan or how to get out of debt, our guides are here to help.
Find out what a credit rating is, why it's so important, and how you can improve yours.
About credit ratingsGet practical support to help you tackle your money problems and change the way you spend.
Manage your moneyBorrowing to pay for those little extras or something special? Access One Money Mentors can guide you.
Explore Money MentorsWe explain what APR means and clear up the difference between representative and personal APR.
APR explainedChoose the best option to suit your needs. Or explore other ways to get help.
Check to see if you're eligible to apply for a loan in Online Banking or your app now.
Please note that we might not have all the information we need to show you a provisional loan limit.
If you have any questions, you can speak to a lending specialist on 0345 734 5345.
We're here Monday to Saturday from 8am to 9pm, and bank holidays from 8am to 6pm.
Call chargesWe're on hand if you'd like to discuss your options in person. You can find your nearest branch and opening times here.
Find your Access One LocalScan the QR code with your phone or tablet, or tap the App Store or Google Play buttons below to download the app and begin your application. T&Cs and eligibility apply. 18+ and UK only.
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