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

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.
Once you’ve been approved, your loan will generally be funded within two working days, and you can manage your loan online.
To be eligible for a JN Bank personal loan, you’ll need to meet the following criteria:
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:
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).
You can contact JN Bank’s customer service by calling on 0808 196 1945 between 2am and 8pm, Monday to Friday (except Bank Holidays), or by emailing complaints@jnbank.co.uk. JN Bank also have a online chat service.
JN Bank has received positive reviews from customers, according to review platform Trustpilot. It currently has an “excellent” rating of 4.8 out of 5, based on more than 1,400 reviews (updated July 2023). Some customers praised the quick and easy loan application process, while others highlighted its excellent and helpful service.
Loan amount not specified | |
Loan terms | From year to years |
---|---|
Age eligibility | Age eligibility not specified |
Application fee | No application fee |
Repayment holiday | Repayment holiday not permitted |
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 considers. 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.
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.)
JN Bank doesn't allow you to run multiple loans at the same time.
Yes, you can make overpayments without incurring any penalty fee. However, JN Bank can continue to charge interest for up to 2 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.
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