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Personal loan

A loan exclusive to existing Co-operative Bank and Britannia customers, that can be used for a range of purposes


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

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

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

Contact us

If you'd like more help & information, you can:

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