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Personal Loans

A fixed rate over a fixed term

Representative 4.9% APR

Features of our personal loans

  • Borrow between £1,000 and £35,000
  • Fixed monthly payments mean no unexpected changes to your monthly repayment amount
  • When you apply you'll be given a personalised rate depending on your circumstances and how much you want to borrow
  • A range of repayment terms are available, depending on the purpose of the loan

To apply you must be 18+, resident in the Isle of Man and have an Isle of Man Bank current account or mortgage.

How much could I borrow?

Looking for a loan between £1,000 and £19,950?

Use our online loan calculator to estimate how much you could borrow, our representative interest rates and monthly payments.

Wanting to borrow between £20,000 and £35,000?

If you're interested in a loan between £20,000 and £35,000, and would like to receive a quotation before applying online, please get in touch.

Loan calculator

Home improvement loans of £7,500 or more are available over an extended term of up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest Rate

3.9

% p.a.

(Fixed)

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. This means you're not guaranteed to get the rate you see in the calculator. 

You can view our minimum and maximum rates here.

For loans between £20,000 and £35,000, please contact us for a quotation.

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. This means you're not guaranteed to get the rate you see in the calculator. 

You can view our minimum and maximum rates here.

For loans between £20,000 and £35,000, please contact us for a quotation.

Loan borrowing terms and rates

View our minimum and maximum borrowing terms below. You can also view the minimum and maximum APR for each of our loan bands.

Learn the language of loans

View a list of terms and phrases you might come across along with an explanation of what they mean.

Ready to apply?

Before you apply, we've outlined the eligibility requirements for a personal loan below, along with our terms and conditions to make sure it's the right option for you. If you're happy, we'll run through a few quick questions to make your application as easy as possible.

You can apply for a personal loan if you are:

  • aged 18+
  • resident in the Isle of Man, and
  • an existing Isle of Man Bank current account or mortgage account holder

Please review our important information

Before starting an application for a personal loan we recommend that you use our loan calculator to get an indication of the loan rate that may be offered to you.

A credit search will be undertaken as part of the loan application. Please review the full details in our Personal Banking Terms and Fees document below, prior to proceeding.

By clicking continue you're confirming that you've been provided with, and have acknowledged our important documents. By proceeding with your application you also agree that you'll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Online Banking.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Let's get started...

To speed up your application for a personal loan, we need to run through some quick questions with you. They'll only take a few minutes.

Do you hold a current account or mortgage with us?
Only existing current account or mortgage account holders are eligible to apply for a personal loan.
Do you use Online Banking?
If so, we'll pre-fill your application to save you time.
Is this personal loan just for you, or is it a joint application?

Great, looks like you're ready to go!

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

Great, you're all set and ready to go!

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

We're sorry...

You must use Online Banking to apply for a personal loan online today.

You can register for Online Banking today or locate your nearest branch to arrange an appointment to discuss your personal loan needs.

We're sorry...

We currently only accept applications from existing Isle of Man Bank current account or mortgage customers.