Loan Calculator

Use our calculator below to find the ideal loan for you and apply online now. All quotations given are for illustrative purposes only.

If you already have a loan with us, check out your options. Top up your loan.

Are you a Nectar member? Nectar Logo

If you've been a Nectar member for at least six months, you'll qualify for our lowest rates.

What is your Nectar card number?

Please enter a valid nectar card number.

Is this a single or joint application?
Would you like a two month repayment holiday at the start of your loan?

Choose whether to pay your loan for the first two months or not. Interest will be charged between the start date of your loan and your first repayment.

Calculator result

Monthly repayment


Total repayable


Illustrative APR


Length of Loan


Loan amount


Annual interest rate (Fixed)


Applying for a joint loan application? Please note, your application may take longer to process.

Representative Example

You could borrow £10,000 over 60 months with 60 monthly repayments of £178.64. The total amount repayable will be £10,718.40. Representative 2.8% APR, annual interest rate (fixed) 2.8%.

*Representative APR applies to loans of £7,500 - £25,000, between 37-60 months, for Nectar members. Other rates apply to other loan amounts.

Explore borrowing options with our loan calculator

From buying a car or making home improvements to sorting out your finances, there are many occasions when a personal loan might come in handy. And it could be more affordable than you think.

  • 2.8% APR representative for Nectar members, when you borrow £7,500 - £25,000 for 37-60 months
  • Pay back your loan over 1-7 years (depending on your loan value) with manageable, fixed monthly instalments
  • Borrow £1,000 - £30,000 if you’re a Nectar member, non-Nectar members can borrow up to £25,000
  • No application or arrangement fee

Apply today with our loan calculator

  • You could get your money in as little as 2 hours, or the next business day, once you’ve been accepted
  • Our online application is quick and easy to complete, you can sign your agreement online, and upload any documents we might need
  • Find out how likely you are to be accepted, and rate we might offer you, without affecting your credit score

If you’re applying for a loan on your own, use our loan eligibility calculator to start your online application now. We’ll work out your possible interest rate, monthly payment amount and total cost in just a few clicks. All quotations given are for illustrative purposes only.

We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the loan you are applying for, along with an independent verification of your credit and repayment history, and will range from 2.8% to 24.9% APR.

What do you plan to use your loan for?

Car loans

Looking for a new or used car? Let us help you start the journey.

Find out more
Home improvement loans

Use our loan calculator to see how much you could borrow to spruce up your home.

Find out more
Wedding loans

Planning a wedding? Perhaps a loan could help you make your big day a reality.

Find out more

About our loans

If you want to know more about how our loans work before you apply using our personal loans calculator, check out our handy guides.

How our loans work

Find out what information we’ll need when you apply for a loan.

Full lending criteria

Are you eligible for a loan? Check which types of income we’ll accept and things you can’t borrow for.

Got a question?

If you’re unsure of how the loan process works – our FAQ section is a great place to start.

Useful guides

We have a range of loans guides and tools that can help you decide if borrowing money is the right call for you.

Can I afford a loan?

Our guide covers different types of credit, budgeting, APR, credit scores and more.

Debt consolidation loan

Choose to move all your debt in to one easy to manage payment with a debt consolidation loan.

Loans glossary

Confused by the financial jargon around borrowing money? Have a look at our loans glossary.