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

Apply for your Starling Bank loan 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.

A 5 star rated product by Defaqto. Defaqto 5 star rating for unsecured personal loan

loans tiles with goals

A little something extra

Or a lot. Weddings, world wandering; whatever’s on the horizon, a Starling personal 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

Whether it’s a lick of paint or a complete renovation, turn your house into a home with a Starling loan.


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.

See how much a Starling personal loan would cost you



Please enter an amount between £500 and £5000


over 12 months

Total Amount Repayable £530.17
Monthly Repayment £44.18
Representative APR 11.5%
Indicative example based on loan starting 1 January 2020. Actual repayments may differ slightly depending on the start date of your loan.

Representative example:
Representative APR of 11.5%. Borrow £2,000 repayable over 24 months at an interest rate of 11.5% pa (fixed) with monthly repayments of £93.16. A total amount payable of £2,235.79.
The rate you are offered will depend on your individual circumstances.
Get started

How a Starling Bank personal 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 personal 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.

 How to apply for a Starling personal loan

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.

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How to apply for a personal loan before making a purchase

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How to Spread the Cost with a loan after making a purchase


  • How much can I borrow?

    You can borrow anything between £500 and £5,000. The actual amount will be tailored to your own situation, but don’t worry, you’ll be able to see what you’re able to get before you even apply.

    It’s worth noting that you have to have an overdraft to get a Starling personal loan, and you can only borrow as much as you have left in your entire available overdraft.

  • What will my interest rate be?

    We’ll tailor our loan offer to your personal financial situation, so to find out what yours will be, apply from your app in minutes. You’ll know in advance in-app if you can have one and how much it’ll cost you.

  • If it’s connected to my overdraft, why wouldn’t I just use that?

    In short: it’ll save you money. Personal loans have a lower interest rate than overdrafts because they’re long-term and for something specific – with a defined repayment plan– so if you turn part of your overdraft into a personal loan, you should end up paying less for whatever you’ve borrowed.

  • My finances have been affected by coronavirus. Can Starling help me?

    We know this is a difficult time, and coronavirus may be affecting your finances. Customers who are struggling financially and who may need help with loan payments, can contact us to discuss the option of a payment holiday for 3 months.