Starling Bank Personal Loan
Starling offers personal loans exclusively through its app. No fees, no paperwork. Rates range from 11% to 15% APR depending on your credit score. Only available to existing Starling current account holders. Borrow £500 to £5,000. Note: loan...
Starling Bank's personal loan offers a straightforward, app-based solution with competitive rates, but it only caters to existing account holders.
Starling Bank Personal Loan
Updated 6 minutes ago| APR | Amount | Term |
|---|---|---|
| 8.9–24.9% | £500–£5,000 | 3–36 mo |
Requirements
Starling current account
18+
UK resident
Decision
InstantOur Verdict
Starling Bank's personal loan offers a straightforward, app-based solution with competitive rates, but it only caters to existing account holders.
✅ Best For
This loan is ideal for current Starling customers looking for a quick and uncomplicated borrowing option without hidden fees.
⚠️ Watch Out
Potential borrowers should note that loans are only accessible via the app, and the interest rates depend heavily on credit scores.
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About this loan
Expert Analysis
Starling Bank provides personal loans ranging from £500 to £5,000 with APRs between 11% to 15%, contingent upon the borrower's credit score. The absence of paperwork and fees is a significant advantage, making the application process seamless and user-friendly. However, this service is exclusively available to existing Starling current account holders, which may limit accessibility for potential new customers.
Additionally, while the company advertises an instant approval process, it’s crucial to remember that the rates can vary widely based on individual creditworthiness, which could lead to higher costs for those with less favourable scores. Compared to traditional banks, Starling's app-based model offers a modern alternative, but customers should consider whether they meet the initial requirement of holding a Starling account. Overall, this loan is suitable for tech-savvy borrowers seeking a fast and efficient lending experience, provided they are already part of the Starling ecosystem.
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APR
6.1–21.9%
Amount
£1k–£50k
Term
12–60mo
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PersonalUK resident
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6.6–19.9%
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Santander Personal Loan
PersonalUK resident
18+
1-2-3 account for best rate
APR
5.3–21.9%
Amount
£1k–£25k
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APR
7.9–45.9%
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£1k–£25k
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12–60mo
APR
5.6–19.9%
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£1k–£25k
Term
12–60mo
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
APR
6.1–21.9%
Amount
£1k–£50k
Term
12–60mo
Tesco Bank Personal Loan Review
PersonalUK resident
18+
Clubcard for points
APR
6.6–19.9%
Amount
£1k–£35k
Term
12–60mo
APR
5.1–30.5%
Amount
£500–£25k
Term
3–60mo
Santander Personal Loan
PersonalUK resident
18+
1-2-3 account for best rate
APR
5.3–21.9%
Amount
£1k–£25k
Term
12–60mo
APR
7.9–45.9%
Amount
£1k–£25k
Term
12–60mo
APR
5.6–19.9%
Amount
£1k–£25k
Term
12–60mo
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