Virgin Money Personal Loans
Personal loans from £1,000 to £25,000. Competitive fixed rates. No early repayment charges. 100% online application.
Last checked on May 14, 2026. We may earn a commission when you click through.
Virgin Money offers personal loans with flexible amounts and no early repayment charges, but approval may be limited to those with good credit.
Virgin Money Personal Loans
Updated 2 days ago| APR | Amount | Term |
|---|---|---|
| 6.9% | £1,000–£25,000 | 12–60 mo |
Requirements
—Decision
—Our Verdict
Virgin Money offers personal loans with flexible amounts and no early repayment charges, but approval may be limited to those with good credit.
Best For
These loans are ideal for borrowers looking for amounts between £1,000 and £25,000 with fixed rates and a straightforward online application.
Watch Out
Potential borrowers should note that only those with a good credit score (700+) are likely to qualify for the best rates.
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About this loan
Virgin Money offers competitive personal loans with flexible terms, making them an appealing option for borrowers. However, potential applicants should ensure they meet the credit score requirements.
Expert Analysis
Our team found that Virgin Money provides personal loans ranging from £1,000 to £25,000 with fixed rates starting at 6.9% APR. This structure is beneficial for those seeking predictable monthly payments over 1 to 5 years. However, the requirement for a good credit score may limit access for some applicants.
The absence of early repayment charges is an appealing feature, allowing borrowers to pay off their loans without incurring extra costs. This flexibility is a significant advantage compared to many competitors who impose such fees. It’s worth noting that the online application process is completely streamlined, making it convenient for tech-savvy users.
On the downside, customers with lower credit scores may face difficulties obtaining approval. Additionally, the application process may not be as quick as some lenders, which can be a drawback for those needing urgent cash. Overall, Virgin Money is best suited for borrowers with solid credit histories looking for straightforward terms.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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