Key Facts

 

Loans Guides

 

Loans Glossary
Loans terms explained...

Personal loans guide
A personal loan is a way of borrowing money from a bank or building society, which you can use for just about any purpose, although most lenders stipulate that the loan shouldn’t be used for commercial purposes. You choose the amount you wish to borrow an

How To Improve Your Credit Report
Your credit report lists your credit accounts, your repayment record and much more - and it can make all the difference between getting the credit card, loan or mortgage you want and a string of puzzling rejections.

Loans Tips

 

Personal loans- things to watch out for
Whether it's unsecured personal loans or secured personal loans, there are a few little things to be watch out for when you are considering a personal loan. Here's the Moneyfacts.co.uk guide.

Personal Loans Best Buys

Share |

Graduate Loan Packages


CompanyRate Min/Max Loan
[?]
Open to Repayment Period
[?]
Bank of Ireland (NI)1.0%/2.0% ABRNo minimum - £15KMedical & Dental trainees.Up to 5 years, repayments deferred until first job commences.
Bank of Ireland (NI)2.0% ABRNegotiableTrainee Accountants.Up to 4 years, repayments deferred for up to 12 months.
Bank of Ireland (NI)2.0% ABR£500 - £25KBOI Graduate Current Account customers.Option of 2 payment free months each year.
Bank of Ireland (NI)8.0% APR Fixed£500 - £25KBOI Graduate Current Account customers.Option of 2 payment free months each year.
Bank of Ireland (NI)2.0% ABRNo minimum - £5KPharmaceutical graduates.Up to 3 years, repayments deferred until after graduation.
Bank of Ireland (NI)2.0% ABRNo minimum - £1.5KComputing Year 4 graduates.Up to 2 years, repayments deferred until after graduation.
Bank of Ireland (NI)1.5% ABRNo minimum - £6KTrainee solicitors at the Institute of Professional & Legal Studies.Up to 7 years, repayments deferred for up to 12 months.
Barclays Bank9.9% APR£500 - £10KGraduates who apply within 2 years of graduation (3 years where a Graduate Additions account is held).Up to 5 years, (7 years for £5K and above), option to defer repayments for 3 months.
Barclays Bank9.9% APR£300 - £10KGraduates and non-graduates taking further vocational training and studies for career development.Up to 5 years, repayment deferred for up to 1 month after end of course.
First Trust Bank (NI)1.5% ABRNo minimum - £5,150 course fees + £4,850Trainee solicitors and barristers at the Institute of Professional & Legal Studies.Up to 7 years, repayments deferred for up to 18 months.
First Trust Bank (NI)2.0% ABRNegGraduates leaving full-time education.Up to 7 years.
HSBC2.75% ABRNo minimum - £25KPostgraduate/professional study.Under £15K = 1 to 5 years, £15K+ = 1 to 8 years. Repayments may be deferred for 6 months after course finishes
HSBC8.9% APR£5,000 - £25KGraduates leaving full-time education - available up to 5 years after graduation.Fixed rate up to 8 years.
HSBC2.0% ABR - Secured£5K - £25KPostgraduate/professional study.Under £15K = 1 to 5 years, £15K+ = 1 to 8 years. Repayments may be deferred for 6 months after course finishes
Lloyds TSB9.9% APR Typical£5,001 - £10KGraduates leaving full-time education.Fixed rate up to 5 years, repayments may be deferred for up to 4 months.
Lloyds TSB11.9% APR Fixed£1,000 - £10KProfessional trainees.Fixed rate up to 5 years, repayments may be deferred for 48 months.
Lloyds TSB11.9% APR Typical£1,000 - £5KGraduates leaving full-time education.Fixed rate up to 5 years, repayments may be deferred for up to 4 months.
NatWest7.7% APRNo minimum - Course fees + up to 2/3rds of salaryStudents studying for the Masters of Business Administration, on a course accredited by the Association of MBA's.Up to 10 years, repayments deferred for 3 mths. Fee 1% of loan to Association of MBA's.
NatWest2.0% ABRNo minimum - £20K2nd year and above full-time undergraduate Professional trainees in selected professions.Up to 10 years, capital & interest repayment holidays available.
NatWest8.4% APR Fixed£1,000 - £15KGraduates up to 3 years from the date of graduation.Up to 7 years (5 yrs if less than £10K), repayments deferred for up to 4 months.
NatWest0.0%No minimum - £2KGraduates up to 3 years from the date of graduation.Up to 3 years, for consolidation of overdraft only.
NatWest7.9% APR FixedNo minimum - £25KFull time Legal postgraduates (College of Law only). Part-time students can borrow up to the cost of course fees.Up to 10 years, capital & interest repayment holidays available.
NatWest2.0% ABRNo minimum - £25KFull time Legal postgraduates (College of Law only). Part-time students can borrow up to the cost of course fees.Up to 10 years, capital & interest repayment holidays available.
NatWest7.9% APR FixedNo minimum - £20K2nd year and above full-time undergraduate Professional trainees in selected professions.Up to 10 years, capital & interest repayment holidays available.
Royal Bank of Scotland0.0%£100 - £2KGraduates leaving full-time education.Up to 3 years, for repayment of existing graduate overdraft only.
Royal Bank of Scotland1.0% ABR£1,000 - £15KMedical, Dental, Veterinary, Chiropractic GCC accredited, Osteopathy trainees.Up to 7 yrs, repayments commence January the year following graduation/completion of course.
Royal Bank of Scotland2.50% ABR/7.2% APR£1,000 - £15KGraduates leaving full-time education.1 to 5 years if £9999 or less, 7 years if £10K and above, deferred for up to 9/12 months.
Royal Bank of Scotland1.0% ABR£1,000 - £15KLegal Practice, CPE, PCDip, or Articled students (PCDip & LPC part-time students may also apply).Up to 9yrs from start of course, no repayment until Sept year following graduation, then 1st 12 mths int only
The Co-operative Bank9.9% APR£300 - £10KTo fund learning and training courses of up to 2 years to improve job skills or career prospects.Up to 5 years, repayments deferred for up to 1 month.
Ulster Bank2.6% APRNo minimum - £7.5KProfessional Trainees.Completed within 5 years of further study.
Ulster Bank2.6% APRNo minimum - £5KGraduates leaving full time eduction or continuing education.If entering employment within 12 mths of graduation and 3 years. If further eductation deferrment for 2 years.
Disclaimer:
Any repayments shown above are for illustrative purposes only. All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
 
Oinky the Pig!

Graduate Loans Explained

Graduate loans work in the same way as unsecured personal loans. However, lenders often offer better loan rates for graduates. You will normally have to hold a current account with the same provider to be eligible for a graduate loan.

In return for borrowing a lump sum you will be expected to make regular repayments, usually by direct debit. Graduate loans are available up to £25K and repayable usually over a period of between six months and 10 years.
 
 

Related Products

 

Credit cardsCredit cards
Use our Credit card Best Buys to compare the best credit cards available to you.

Debt sectionDebt section
Visit our debt solutions section if you would like some help in managing your finances.

BankingBanking
Use our banking Best Buys to compare the best accounts available to you

MortgagesMortgages
Use our mortgage Best Buys to compare the best mortgages available to you