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JN Bank personal loans review
JN Bank offers personal loans with a focus on flexible repayment options, but what rate can you expect?
JN Bank loan calculator
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 type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000.00 to £15,000.00 |
| Loan terms | 1 Year to 5 Years |
| Loan rate type | Fixed |
| Product fee | 0% |
| 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 methods | Direct 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
Pros
- Early repayment option
- Quick approval
Cons
- 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.
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