Personal loan places
Have it your way
Borrowing shouldn’t be complicated.
We’ve designed a personal loan that’s straightforward to use, competitively priced and tailored to you.
A little something extra
Get a wedding loan to boost your biggest day.
and everything else
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
Your loan and your 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.
What’s good about a Starling Loan?
Go your own way
A fair deal
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).
Our personal loan calculator
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 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 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 loan, you should end up paying less for whatever you’ve borrowed.
Take control of your money
Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. You will find the growing Starling team working at the same location. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.