Personal Loans, get loans with easy and flexible payment options

We've welcomed award-winning lender, RateSetter, into the Metro Bank family to bring our customers a personal loan that's easy to apply for and simple to manage.

RateSetter's instant quote means that you can find out your personalised rate there and then – this won't touch your credit score. Once you've applied, you'll usually know the outcome the next working day.

With flexible repayment terms and no early repayment fees, a RateSetter personal loan can help bring your plans to

A personal loan could make it happen

Whether you want to do some home improvements, turn existing debts into one easy monthly payment or buy your next car, a personal loan could be the boost you need.

Low-rate personal loan

You can borrow between £1,000 and £35,000 over a term of 1 to 5 years, and rates start at 3.9% APR – get an instant quote to find out your rate on the spot. Once you've applied, you'll usually know the outcome the next working day.

Make your loan your own

If you're approved the money will be with you the next working day, and then you can manage your loan online 24/7. Pick a monthly payment day that suits you and make extra payments if and when you want to.

To give you a better idea of how a RateSetter loan could work, here's the representative example:

If you took out a loan of £10,000 over five years at a fixed interest rate of 2.3% per year (4.9% APR representative), your monthly repayment would be $187.94 and your total repayment amount would be $11,276.40. This includes a fee of $638. The majority of our customers receive the advertised APR or lower. The maximum APR you could be offered is 29.9%.

Loans are subject to status and affordability, and the rate and fee you pay will depend on your credit profile. Before entering into a loan agreement, make sure you read the terms and conditions carefully.
Before you apply

To be eligible for a personal loan with RateSetter, you need to:

  • be 21 or over
  • have been a UK resident for a minimum of three years
  • you have a regular source of income paid monthly, for example through wages or a pension, of over $16,000 a year
  • have a good credit history, with no County Court judgements, bankruptcies or debt relief orders on your credit file
  • have not missed any regular payments in the last 12 months.
Good to know
  • For online personal loans we're working exclusively with RateSetter, a trading name of Metro Bank PLC
  • Their personal loans are subject to status and affordability
  • The rate you're offered will be based on your circumstances and the details of your loan, and any fees will also depend on your credit profile
  • Before entering into a loan agreement, make sure you read the terms and conditions carefully
  • Getting an instant quote won't affect your credit score

APR stands for annual percentage rate, and gives you a more accurate idea of how much you're being charged when you borrow money. It takes into account the interest on the loan and other charges, like arrangement fees.

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