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 provides a straightforward personal loan option, but access is limited to existing customers.
Starling Bank Personal Loan
Updated just now| 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 provides a straightforward personal loan option, but access is limited to existing customers.
✅ Best For
This loan is best for current Starling account holders looking for a simple, app-based borrowing solution without hidden fees.
⚠️ Watch Out
Potential borrowers should note that rates are based on credit scores and the loan product is only available in-app.
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About this loan
Expert Analysis
Starling Bank's personal loan offering stands out for its user-friendly app-based application process, allowing borrowers to manage everything from their mobile devices. With no fees and a clear borrowing range of £500 to £5,000, it appeals to those who prefer a straightforward approach to lending. The APR rates, ranging from 11% to 15%, are competitive for those with good credit, but applicants should be aware that these rates can vary significantly depending on their credit score.
One of the main caveats is that this loan is exclusively available to existing Starling current account holders, which limits access for new customers. Additionally, the removal of the loan product page from the website may cause confusion, as it's now only available through the app, making it less transparent for potential borrowers. Compared to traditional banks, Starling's lack of paperwork and instant approval time can be a significant advantage, but those seeking larger amounts or longer terms may find better options elsewhere. Overall, while Starling Bank offers a convenient and modern solution for personal loans, its restrictions may not suit everyone's needs.
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Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
APR
7.9–45.9%
Amount
£1k–£25k
Term
12–60mo
APR
3.9–24.9%
Amount
£1k–£50k
Term
12–60mo
APR
3.9–21.9%
Amount
£1k–£25k
Term
12–60mo
APR
6.6–19.9%
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£1k–£35k
Term
12–60mo
APR
9.9–69.9%
Amount
£1k–£8k
Term
12–60mo
APR
5.6–19.9%
Amount
£1k–£25k
Term
12–60mo
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