Whether you're thinking of changing your car, making some home improvements or looking to simplify your finances into one manageable monthly repayment, applying for a Bank of Scotland personal loan is quick and easy.

Apply online for an instant decision and you could have your cheque in just 24 hours. Plus you don't have to make any monthly loan repayments for the first three months!

Take a look at some of the benefits

• Loans available up to £13,000
• For loans over £7k our rate is 6.8% APR Typical
• Rates range from 6.8% to 15.6%
• No monthly loan repayments for the first 3 months
• Fixed monthly repayments to suit your budget
• Funds transferred direct to your bank account (conditions apply)
• Quick and easy to apply online

All our Personal Loans can be insured with optional Creditcare. Creditcare is our payment protection insurance. It protects your loan repayments against a change in your circumstances

You will not receive advice or a recommendation on the suitability of Creditcare. You must read the information provided to help you decide whether Creditcare is suitable for your needs.