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Personal loan for borrowing consolidation

We have one personal loan exclusive to Co-operative Bank and Britannia customers.


Loan Calculator

Calculations shown are for illustrative purposes only

(£2,000 - £25,000)

(1 year - 7 years)

Representative example


For a loan amount of


over a term of

years months



which is equivalent to a representative APR of


your monthly repayments would be


and you would have to repay a total of

What do things like 'per annum' and 'APR representative' mean?

To apply, you need to be:

  • 18 or over.
  • UK resident.
  • A Co-operative Bank, smile or Britannia customer for at least 1 month.
  • No applicants have had a County Court Judgements (CCJs), entered into an Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Ready to apply?

Please read our terms and conditions before applying

Please be aware that by submitting this application, you have no obligation to purchase a Co-operative Bank loan.

Apply now

Why choose a Co‑operative Bank loan?

  • Pay no arrangement fees.
  • The interest rate is fixed for the life of your loan, helping you budget with confidence.
  • We support thousands of ethical UK initiatives, from clean energy to sports and education.
  • Repay all or part of your loan early.

To apply, you need to be:

  • 18 or over.
  • UK resident.
  • A Co-operative Bank, smile or Britannia customer for at least 1 month.
  • No applicants have had a County Court Judgements (CCJs), entered into an Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Ready to apply?

Please read our terms and conditions before applying

Please be aware that by submitting this application, you have no obligation to purchase a Co-operative Bank loan.

Apply now

Important documents

The Co-operative Bank reserves the right to decline any application or offer a loan at a rate that's different to the ones advertised.

We may decline your application based on your circumstances or our lending policy.

Contact us

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