TSB loan calculator

TSB loan calculator

Finder Score for unsecured loans

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

• How our calculator works

  Our calculator lets you pick how much you want to borrow over a period that suits you, so you can get an idea of how much you’ll pay back each month and how much you’ll pay back overall. You can also get an idea of how TSB’s rates stack up against other popular lenders.

  We base our calculations on TSB’s representative APR, but it’s important to note that credit is subject to status – so in other words, your circumstances may affect the rate you’re offered. TSB is only obliged to award its advertised representative APR to 51% of customers, while everybody else could be offered a different (higher) rate – at the time of writing, the maximum APR you’ll pay on a TSB loan is 30.0%.

  TSB loans also offer a decent level of flexibility. You can repay early or make overpayments without penalty – although you may continue to be charged interest on overpayments for up to 58 days. Alternatively, you can request to take up to two repayment holidays annually – although it’s crucial to note that your outstanding balance will still be accruing interest during these periods. Both overpaying and taking repayment holidays are likely to have an impact on the overall cost of your loan. Our calculations assume that you don’t overpay or take a repayment holiday (and instead just stick to the repayment schedule).

How do TSB loans compare against the competition?

Relaunched in 2013, TSB offers competitive fixed-rate personal loans to new and existing customers through high street branches, online and over the phone. You can apply to borrow up to £25,000, or £50,000 if you hold a TSB current account.

If you already bank with TSB, you can arrange a loan through your internet banking or you can call 03459 758 758. Although it can seem convenient to go to your regular bank when you need a loan, it more often than not pays to shop around. You can use the calculator below to check loan illustrations from a number of popular lenders, for the specific loan that you require.

How much do you need to borrow?
£

10000

How long do you need to borrow for?

3

years

Sort by:

Product	Finder Score	Total Payable	Monthly Repayment	Representative APR
Novuna Personal Loan	Finder score 6.4Standard	£11,003.04	£305.64	6.5%	Representative example: Borrow £10,000.00 over 3 years at a rate of 6.5% p.a. (fixed). Representative APR 6.5% and total payable £11,003.04 in monthly repayments of £305.64.	Check eligibilityView details Compare	loading Fetching your data...
My Community Bank Personal Loan	Finder score 6.6Standard				Representative example: Borrow £5,000 over 48 months at a rate of 24.2% pa (fixed). Representative APR 27.1% and total payable £7,853.87 in monthly repayments of £163.62.	Check eligibilityView details Compare	loading Fetching your data...
Barclays Existing Current Account Loan	Finder score 5.9Standard	£11,003.04	£305.64	6.5%	Representative example: Borrow £10,000.00 over 3 years at a rate of 6.5% p.a. (fixed). Representative APR 6.5% and total payable £11,003.04 in monthly repayments of £305.64.	View details Compare	loading Fetching your data...
Plend personal loan	Finder score 6.6Standard				Representative example: Borrow £8,000 over 48 months at a rate of 16.66% p.a. (fixed). Representative APR 17.99% and total payable £11,013.12 in monthly repayments of £229.44.	View details Compare	loading Fetching your data...
Tesco Bank Personal Loan	Finder score 6.8Standard	£10,987.56	£305.21	6.4%	Representative example: Borrow £10,000.00 over 3 years at a rate of 6.4% p.a. (fixed). Representative APR 6.4% and total payable £10,987.56 in monthly repayments of £305.21.	View details Compare	loading Fetching your data...
Tesco Bank Clubcard Personal Loan	Finder score 6.8Standard	£10,925.64	£303.49	6%	Representative example: Borrow £10,000.00 over 3 years at a rate of 6.0% p.a. (fixed). Representative APR 6.0% and total payable £10,925.64 in monthly repayments of £303.49.	View details Compare	loading Fetching your data...
Lendwise	Finder score 8.4Great				Representative APR 10% (fixed).	View details Compare	loading Fetching your data...
Zopa Personal Loan	Finder score 9.2Excellent	£13,525.56	£375.71	22.9%	Representative example: Borrow £10,000.00 over 3 years at a rate of 22.9% p.a. (fixed). Representative APR 22.9% and total payable £13,525.56 in monthly repayments of £375.71.	View details Compare	loading Fetching your data...
Lloyds Bank Existing Customer Personal Loan	Finder score 7.4Great				Representative example: Borrow £10,000.00 over 3 years at a rate of 0.0% p.a. (fixed). Representative APR 0.0% and total payable £0.00 in monthly repayments of £0.00.	View details Compare	loading Fetching your data...
Fluro (formerly Lending Works) Personal Loan	Finder score 6.4Standard				Representative example: Assumed borrowing of £7,500.00 over 48 months at 17.9% APR representative. Monthly cost of £214.79. Total amount repayable of £10,309.78. Interest rate of 16.6% p.a.(fixed) and total fees of £150.00. Available for loan amounts between £5,000 - £25,000.	Check eligibilityView details Compare	loading Fetching your data...
thinkmoney Personal Loan	Finder score 5Standard				Representative example: If you borrow £29,100 over 12 years, initially on a fixed rate for 5 years at 8.885% and for the remaining 7 years on the Lender's standard variable rate of 9.285%, you would make 60 monthly payments of £375.53 and 84 monthly payments of £380.29.	View details Compare	loading Fetching your data...
There are no providers that meet your criteria. Please change your search and try again.

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CompareClear

Finder Score for unsecured loans

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

TSB’s loan rates for May 2025

• TSB Personal Loan (existing current account holder):
  5.9% p.a. fixed interest rate with no fee, on loans of £10,000 over 3 years. Apply to borrow up to £50,000.

Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise

Chris has written 566 Finder guides across topics including:

• Loans & credit cards
• Building credit
• Financial health
• Share trading