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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.
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...
Get a wedding loan to boost your biggest day.
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.
What’s good about a Starling personal loan?
Go your own way
Apply for a Starling loan in minutes from your app (no paperwork!) and once you’re approved, you’ll be able to buy that sofa instantly or spread the cost of last week’s holiday over a few months.
A fair deal
The interest rate you get will be tailored to you, with no hidden fees. It’ll always be a fair rate that’s lower than your overdraft, and we won’t charge you anything to set it up.
You’re in control
Get some structure. Everything’s right there in your app at a glance so you can see exactly how many payments you’ve got left, when they’ll be going out and how much they’ll be for.
Borrow as much as you have left in your overdraft, then when you start paying it back it’ll just come straight out of your personal account (and if you want to pay it back early, you won’t have to pay any additional fees or charges).
Know in advance exactly what your rate is, how much you’ll pay in total and how long you can borrow it for.
Download the Starling Bank app
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
Representative APR 11.5%
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
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.
Download the Starling Bank app
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.
Take control of your money
Download the app to apply for a Starling Bank account in minutes.
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