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

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Name Product Finder score Total Payable Monthly Repayment Representative APR Link
JN Bank Homeowner Personal Loan
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Representative example: Borrow £10,000.00 over 3 years at a rate of 13.9% p.a. (fixed). Representative APR 13.9% and total payable £12,144.60 in monthly repayments of £337.35.

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.

JN Bank loan rates at a glance

The JN Bank Homeowner Personal Loan charges 13.9% APR representative on loans between £1,000 and £15,000. JN Bank offers the loan with repayment terms between 1 and 5 years, and applicants can apply to borrow from £1,000 to £15,000.

Key features of JN Bank homeowner personal loan

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 a homeowner with or without a mortgage
  • 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).

Customer service

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 customer reviews

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.

Quick overview of JN Bank personal loans

Loan amounts From £1,000 to £15,000
Loan terms From 1 year to 5 years
Age eligibility 21 years and over
Application fee No application fee
Repayment holiday Repayment holiday not permitted

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 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.

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 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.

More frequently asked questions

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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