Your Loan Application

To apply for a loan you must:

• Be an existing Bank of Scotland customer
• Be over 18
• Be in paid employment
• Not be in full time education
• Have a bank/building society account
• Have a permanent UK address
• Not have been declined for credit in the last month
• Not have a history of bad credit such as arrears, county court judgements (CCJs), default or bankruptcy

You will also need handy:

• Your address details including your post code for the past 3 years.  And if this is a joint application your partner's address details if different
• Your bank/building society details
• Your annual income and monthly outgoings such as rent or mortgage payments
• Your employer's name and address

Proving your identity

We need to verify the identity of all our customers.  In the first instance we use a system of electronic identification and if this is successful, that’s all we need to do.  The search is performed with a Credit Reference Agency, this is not a credit search and will only record the fact that we have done an ID check.  If we are unable to verify your identity electronically, we will ask you to provide some original documents containing your name and address and you will be advised during the application process what information you will need to provide.

Apply online by clicking the 'Apply' button at the bottom of the page

Alternatively, please call us on 0845 600 4611* quoting reference BOSINT

Please note, if you apply by phone different rates will apply.

*Lines are open Monday-Friday 8am - 10pm, Saturday 9am - 5:30pm and Sunday 9:30am - 5:30pm.

Terms and Conditions

By ticking the box below and clicking the 'apply online' button at the bottom of the page, you confirm you have read and agree with the Terms and conditions and are happy to proceed with the application.

I have read and accept the BOS Terms and Conditions