We’ve designed a personal loan that’s straightforward to use, competitively priced and tailored to you.

Apply for yours in a few minutes with a few taps in the app, then once it’s approved, you’ll see the money straight away. It sounds easy – because it is.

loans tiles with goals

A little something extra

Or a lot. Weddings, world wandering; whatever’s on the horizon, a Starling Loan is built to take the pressure off whenever those bigger expenses crop up. Get a loan for...

A wedding

Get a wedding loan to boost your biggest day.

Home improvements

New house? Make it a home with a loan for home improvements.

Travel

Going places? Go the distance with a travel loan.

A new car

Upgrade your drive with a personal loan for a car.

and everything else

A personal loan could help you pay for a new nursery or medical bills.

How a Starling loan works

You can use your Starling loan in two ways; either spread the cost of something after you’ve bought it or apply for the loan beforehand. Either way, it’ll rarely take more than five minutes, and it’s all done in your app.

Spread the cost

Apply beforehand

Your loan and your overdraft

At the moment, our loans and overdrafts are connected, which means if you’re approved for a loan, you’ll be able to borrow as much as you have left in your entire available overdraft.

So if you’ve got £2000 left to spend out of, say, a £4000 overdraft, you’ll be able to turn anything up to £2000 into a loan, and when you do, we’ll just reduce your overdraft by whatever you borrow – then we’ll bump it back up again when you’ve paid it back.

Our personal loan calculator

Borrow

£

Please enter an amount between £500 and £5000

for

over 12 months

Total Amount Repayable £530.10
Monthly Repayment £44.17
Representative APR 11.5%

How to apply

If we can offer you a loan, we’ll give you a nudge in the app, then to apply, you’ll have to go through a simple process in-app and answer a few questions about your general finances, as well as why you’d like the loan.

How to apply for a personal loan before making a purchase
How to Spread the Cost after making a purchase

FAQs