.cls-2{fill:#fff} MBNA logo Register for online card services Login to online card services Credit cards Loans Help and support About us Home Loans Loan calculator Loan Calculator Use our handy loan repayment calculator to get an idea of what your monthly payments and APR might be. Apply online to get a personalised rate tailored to you. I would like to borrow £ And pay it back over Months Monthly repayments £ 165.23 Total amount repayable undefined Illustrative APR 2.8% The rate you are offered may be different to the rate shown in the calculator. That is because it is based on your personal circumstances, how much you want to borrow and how long you want to pay it back. Apply now to get your personalised rate Get started Representative example You could borrow £10,000 over 48 months with 48 monthly repayments of £220.30. Total amount repayable will be £10,574.40. Representative 2.8% APR, annual interest rate (fixed) 2.76%. The representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR you could be offered is 29.9% APR. The representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range. Our rates at a glance This table shows the apr rates currently offered for an mbna personal loan Loans from £1,000 to £2,999 13.5%* (illustrative APR%) Loans from £3,000 to £4,999 8.3%* (illustrative APR%) Loans from £5,000 to £7,499 3.4%* (illustrative APR%) Loans from £7,500 to £25,000 2.8%* (representative APR%) *For loans over 1 to 5 years. MBNA personal loans are provided exclusively by Lloyds Bank plc. MBNA Limited act as a credit broker and not the lender. View an example of an MBNA personal loan agreement (PDF 212kb) What happens when you apply Tell us how much you want to borrow 1. We offer loans from £1,000 - £25,000, between 1 and 7 years. Our best rates are for loans between £7,500 and £25,000. Apply in only 10 minutes 2. We’ll need to take some details off you to apply. But don’t worry, it'll only take around 10 minutes. Get an instant decision 3. When you submit your application, you'll receive an instant decision online today. See your money in your account 4. If you’re approved, you should have the money in your account within 24 hours. In some cases it may take a bit longer to have the money in your account - but no more than 5 working days. Get started Why choose an MBNA loan? A low rate of 2.8% APR representative for loans between £7,500 and £25,000, over 1 to 5 years. Applying online is quick, easy and secure - only taking 10 minutes. You'll get an instant decision online. If you’re approved, you should have the money in your account within 24 hours. In some cases it may take a bit longer to have the money in your account - but no more than 5 working days. Choose to borrow between £1,000 and £25,000 and repay over 1 to 7 years. Fixed monthly repayments to suit your budget. Take up to two repayment holidays a year, subject to approval. You can make extra payments with no extra charge. You can pay off your loan early. If you do, you will be charged up to 58 days' interest. You can apply for a loan if: You’re aged 18 or over. You’re a UK resident (excluding the Channel Islands and Isle of Man). You’re not in full-time education. You’re in paid employment or have a regular income. You’ve not been declined for credit in the last month. You don’t have a history of bad credit. You are not applying for any of these reasons . Loans FAQs How does our loan calculator work? expandable section How do we calculate your loan rate? expandable section Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services. Personal loans: for personal (unsecured) loans, MBNA Limited: Works exclusively with Lloyds Bank plc. Is a credit broker and not the lender. MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board. MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com. The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over. For credit cards and loans, the interest rate offered to you will also be based on this assessment. Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations. Not all telephone banking services are available 24 hours, 7 days a week. Please speak to an adviser for more information. 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