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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JN Bank loan calculator

Name Product Total Payable Monthly Repayment Representative APR Link
JN Bank Personal Loan
JN Bank Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 7.9% p.a. (fixed). Representative APR 7.9% and total payable £11,219.04 in monthly repayments of £311.64.

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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

JN Bank provides personal loans up to £15,000, with an emphasis on early repayment options and no additional fees. Loans are offered with fixed interest rates from 7.9% to 24.9%, with a representative APR of 19.9%.

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

Loan typeUnsecured Personal Loan
Loan amounts£1,000.00 to £15,000.00
Loan terms1 Year to 5 Years
Loan rate typeFixed
Product fee0%
Same day funding available
Instant decisions in most cases
Soft-search facility available
Joint applications
Overpay without penalty
Concurrent loans allowed
Topping-up pays off existing loan and initiates a new loan
Repayment methodsDirect Debit

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

Frequently asked questions

Get personalised loan quotes

Save time by checking whether you’ll be approved with multiple lenders and get rates based on your credit score.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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