No smoke. No mirrors. Just an affordable personal loan to use for whatever you like. That’s exactly what you can expect from Norwich Union. What’s more, you can borrow any sum from £1,000 to £25,000 and we offer you a number of flexible options, including:

• Nothing to repay for the first three months†.
• Optional Creditcare to cover your repayments.
• Fixed monthly payments for the life of your loan.
• The choice to spread your repayments over 1 to 7 years.
• Use the money for virtually anything e.g. paying off other loans or outstanding credit card and store card bills, home improvements, a new car, a wedding or even a holiday.
• Typical example, for a loan of £7,000 repayable by Direct Debit over 4 years, your monthly repayments would be 48 of £172.00, commencing three months after your loan cheque is issued. The total amount payable would be £8,256.00 Typical 7.9% APR.

To work out how affordable your repayments could be just use our simple Repayment Calculator. Alternatively, you can click the APPLY NOW button and we'll be able to give you an instant online decision.

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Loans are provided by Bank of Scotland, (City House, City Road, Chester CH88 3AN). Written quotations are available on request. All lending is subject to appraisal by the Bank of the applicant’s financial status. To apply, you must be a UK resident (excluding the Channel Islands and the Isle of Man). APR and repayment details are correct at the time of print. Certain purposes of loan may be excluded or have limited repayment periods; please ring for details. The rate you are offered is subject to credit assessment procedures, your personal circumstances and other related factors. †We charge interest in the period between the start of your loan and your first monthly repayment. Bank of Scotland subscribes to the Banking Code; copies are available on request. Your application will not be considered without your home phone number. Access to this product is offered through NUWM Services Limited. You may contact us using a textphone on 0800 096 0407.