Clydesdale bank - Loans

Apples2

jprice86 wrote: »

Soooo does anyone have any actual information about Clydesdale?

I don't think anyone completely believes you are asking the right question.

Anyway..

Do I have to be a Clydesdale Bank customer?
No, any UK resident who meets our eligibility criteria can apply for a loan with us.

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What criteria do I need to meet before I can apply?
Each applicant must meet the following criteria:

• Must be 18 or over
• Have a permanent UK address
• Have a good credit history
• Have a personal current account with a UK bank
• Have a debit or credit card
• Have an e-mail address (first applicant only)

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How much can I borrow?
With a Personal Loan, you can borrow between £1,000 and £25,000 subject to your circumstances.

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What can I use my Personal Loan for?
You can use your Personal Loan for many different purposes, for example: home improvements, car purchase, wedding, consolidating existing debts or a holiday. However, you cannot borrow for items such as business expenditure, a deposit for a house purchase or for household bills. If you have any queries then please call our helpdesk on 0800 707 6471 (Monday - Friday 8:00am - 8:00pm, Saturday 9:00am - 5:00pm).

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Do you have a Loan Calculator?
You can get a quick and easy indicative quote using our Online Illustrator. The rate you actually receive will depend on your individual circumstances.

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Do you charge any arrangement fee?
No, there are no arrangement fees for a Personal Loan.

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Is the interest rate fixed?
The rate is fixed at the time of application, giving you the security of knowing your repayments will not change.

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Can I apply in joint names?
Yes, as long as you have permission from the other applicant to provide their information.

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How long can I take my Personal Loan over?
We offer a range of repayment periods from 1 year up to 7 years, depending on your chosen loan amount and your loan purpose.

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How will you decide if I get my loan?
We use our Credit Scoring System to asses the information you have provided in your application. This system, which is statistically based, allocates a series of points to details about your application. Information about your Bank Account and information obtained from a Credit Reference Agency is also taken into account. The points are totalled to produce a credit score which is then assessed against a pre-determined level to establish whether the application should be accepted.