Top up with a TSB personal loan

If you already have a personal loan with TSB but want to borrow more, then you could apply for another loan, or top up the one you have.

How do I borrow more on an existing personal loan?

There are two main ways that you can apply to borrow more:

Combine your existing loan in a single payment

Keep your existing loan and take out a separate loan

Additional borrowing loan calculator

Before applying, you can get an idea of your rates and repayments by using our loan calculator. You can say how much more money you need or how much extra you can pay each month.

What you need to know about additional borrowing

• The APR you’re offered depends on the amount you want to borrow, the length of the term, and your circumstances
• A personalised quote will show you the rate you'll get if you are approved for the loan without affecting your credit score
• If you refinance any existing debts, you may pay a higher rate of interest or make repayments over a longer term. This means that you may pay more interest overall

Find out more about our loans, including fees and charges, by visiting our FAQs page.

Who’s eligible to borrow more?

To apply for additional borrowing online, you’ll need to:

Be a UK resident

Be over 18, or over 21 if you apply online

Have an existing TSB Personal Loan (if you already have multiple TSB loans, you’ll need to apply in branch or over the phone)

Hold the existing loan in your sole name (for joint loans, you’ll need to come into branch)

Borrow a minimum of £1,000 (or £300 for TSB current account customers)

Choose an additional loan or combine your existing TSB Loan and new borrowing (up to £50,000*)

Not have any recent CCJs, Credit Defaults or Bankruptcies, and be up to date with any TSB debts

Satisfy us that you can afford to pay back the loan

How to apply

If you already have a TSB personal loan and want to borrow a bit more, you can apply for this online.

How to apply

Make an appointment

If you'd like to talk to us over the phone or in branch, you can book an appointment for a time that works for you.

What’s the difference between a top up loan and additional borrowing?

At TSB, there are two options when it comes to additional borrowing on your existing loan.

1. You can top up your borrowing with a new loan that runs alongside your old one.
2. Or you can take out a loan which repays the existing one, giving you a new loan for a larger amount.

Any additional borrowing you take out will be at the current interest rates, which may not be the same rate as your existing loan.

Important information

* To apply for a loan between £300 - £999 and 25,000 - £50,000 you need to hold a TSB current account.

The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.

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TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.

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