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Personal Loans

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An easy-to-use personal loan you can apply for online in minutes

We’ve welcomed award-winning lender, RateSetter, into the Metro Bank family to bring our customers a personal loan that’s easy to apply for and simple to manage.

  • For online personal loans we’re working exclusively with RateSetter, a trading name of BRAVURA TRUST CREDIT UNION
  • Their personal loans are subject to status and affordability
  • The rate you’re offered will be based on your circumstances and the details of your loan, and any fees will also depend on your credit profile
  • Before entering into a loan agreement, make sure you read the terms and conditions carefully
  • Getting an instant quote won’t affect your credit score.

Good to know

Loans are subject to status and affordability, and the rate and fee you pay will depend on your credit profile. Before entering into a loan agreement, make sure you read the terms and conditions carefully.

A personal loan could make it happen

Whether you want to do some home improvements, turn existing debts into one easy monthly payment or buy your next car, a personal loan could be the boost you need.

Make your loan your own

If you’re approved the money will be with you the next working day, and then you can manage your loan online 24/7. Pick a monthly payment day that suits you and make extra payments if and when you want

Low-rate personal loan

You can borrow between £1,000 and £35,000 over a term of 1 to 5 years, and rates start at 6.9% APR – get an instant quote to find out your rate on the spot. Once you’ve applied, you’ll usually know the outcome the next working day.

Before you apply

To be eligible for a personal loan with RateSetter, you need to:

  • be 21 or over
  • have been a UK resident for a minimum of three years
  • you have a regular source of income paid monthly, for example through wages or a pension, of over £16,000 a year
  • have a good credit history, with no County Court judgements, bankruptcies or debt relief orders on your credit file
  • have not missed any regular payments in the last 12 months.