JN Bank

JN Bank personal loans review

JN Bank offers personal loans with a focus on flexible repayment options, but what rate can you expect?

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Important: JN Bank is no longer accepting any new applications. This page has been preserved for historical purposes, and you can compare a range of personal loans here If you’re an existing JN Bank customer, you should receive communication from JN Bank UK directly.

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

Key features of JN Bank personal loans

Once you’ve been approved, your loan will generally be funded within two working days, and you can manage your loan online.

Am I eligible for a JN Bank personal loan?

To be eligible for a JN Bank personal loan, you’ll need to meet the following criteria:

  • Be at least 21 years old
  • Have been a UK resident for at least two years
  • Have a monthly income of at least £1,000 (after tax)
  • Have an email address and UK phone number
  • Have a UK bank account

How can I get a loan from JN Bank?

You can apply for a JN Bank personal loan online via the JN Bank website. You’ll need to provide certain personal information when you apply, including the following:

  • Your name and contact details
  • Your bank account details
  • Information on your employment and income
  • Your monthly spending

Pros and cons


  • Early repayment option
  • Quick approval


  • Relatively strict eligibility criteria
  • Limited loan amounts

Already a JN Bank customer?

If you’re an existing JN Bank customer, you could be eligible to apply for additional loans up to £15,000. These loans are subject to 9 month’s repayments, no defaults and you will need to meet the usual eligibility criteria mentioned above.

If you meet the criteria, JN Bank now offers “auto accepts”, meaning that you could be immediately approved and funds could be in your account within 30 minutes (subject to eligibility criteria).

JN Bank customer reviews

JN Bank has received positive reviews from customers, according to review platform Trustpilot. It currently has an “excellent” rating of 4.9 out of 5, based on more than 1,315 reviews (updated September 2022). Some customers praised the quick and easy loan application process, while others highlighted its excellent and helpful service.

What credit score do I need to get a JN Bank loan?

JN Bank typically offers loans to applicants with high credit scores. It's important to note that your credit record is just one factor that JN Bank will consider. However if you don't have a high credit score, you're very unlikely to get approved for a JN Bank loan.

A "Good" or "Excellent" credit rating would require a score of 881 or higher if you're referring to Experian's scale, 531 or higher if you're referring to Equifax's scale and 604 or higher if you're referring to TransUnion's scale.

Do JN Bank loans give an instant decision?

No, currently decisions aren't instant. However, you can use the soft search eligibility checker to instantly find out your chances of getting approved (this won't affect your credit score).

Can I get a second JN Bank loan?

JN Bank doesn't allow you to run multiple loans at the same time.

Can I make overpayments on a JN Bank loan?

Yes, you can make overpayments without incurring any penalty fee. However JN Bank can continue to charge interest for up to two months on any sums overpaid, so although making overpayments stands to save you money in interest, you may not save quite as much as you'd imagined.

More frequently asked questions

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