Personal Loan

Finance for when it really matters.

Sometimes, a loan can help you to finance life's more costly outgoings. Whether it's for a holiday, home improvements or a life-changing moment like a new baby, our personal loans can help you pay for it.

Alternatively if you are looking to consolidate your existing credit cards, overdrafts and other loans, you could take out a loan and use this to pay back all your debts. This will allow you to simplify your finances and could cut your interest payments.

As long as you can make regular repayments, this type of finance could be an option for you. You just need to decide how much you want to pay back and for how long.

Start by asking yourself how much money you need. Our loans can be for any amount up to £50,000 depending on your circumstances. We offer terms of up to five years and for homeowners, we can offer terms available to seven years.

Your Black Horse branch will help you work out what you can afford to pay back on a monthly basis. The whole process from application to the money being paid into your account is usually completed within 24 hours.

Your monthly payment

Your loan will be worked out based on a fixed interest rate.

Initial payment

Your first payment will be made a month after the loan has been agreed (unless you have opted for a deferred start - of up to 90 days).

With a competitive rate of interest and flexible monthly repayments over a fixed term, this type of finance option can be very attractive. And it means you can do what you want to do, without having to save up first.

Here's what else you need to think about:

  • You'll always know exactly what you have to pay each month so there are no surprises, so make sure you choose an amount that's comfortable and affordable.
  • A payment break can be included in your loan terms, but more interest may be payable if you decide upon this option.
  • You can make loan overpayments at any time, with no extra charge. This may reduce the amount of interest you pay.

A Personal Loan can give you the freedom to fund life's big moments when you want to. Our competitive loan rates can make this product an affordable option.

When you apply for a loan, you'll be talking directly to your local branch rather than a stranger in a call centre. So you'll have one point of contact while your loan is being determined. Being local means we're able to react more quickly to give fast decisions.

To find out more, get in touch with your local Black Horse branch today.

Contact your local Black Horse branch


Contact details

Tel: 01481 710 411
Request a call back


10 Lefebvre Street
St Peter Port


Contact details

Tel: 01534 514 700
Request a call back


Osprey House
5-6 Old Street
St Helier

Isle Of Man

Contact details

Tel: 01624 632 900
Request a call back


Ground Floor
Peveril Building
Peveril Square
Isle Of Man