finance for you

A loan could be a useful way to help cover the cost of a large expense.

Coutts beta Loans could be used to borrow £1,000 on a sole basis over an agreed term, between 2 and 10 years.

You need to be over 18 and a UK resident to be able to apply for a loan online.

Representative 3.8% APR.

This rate is available for loans of £1,000.

Representative example:

  • Borrowing amount £1,000
  • Over 60 Months
  • Monthly repayments £18.29
  • Total repayment £1,096.90
  • Representative 3.8% APR (Annual Percentage Rate)
  • Interest rate 3.7% p.a. (fixed)


Credit subject to status. Exclusions may apply.

It doesn’t take long to apply for a loan and, should your application be approved, we will send documents out to you using our online service.

You will have 14 days to withdraw from the agreement. If you do wish to withdraw from your loan during this time you must repay, no later than 30 calendar days after giving notice of withdrawal, the total loan amount (this is the amount we paid into your account) and the daily interest that we charge, both can be found in the Loan Agreement.

We may conduct hard credit searches as part of your application should your application be reviewed. We may also use and share your information with credit reference agencies if your application requires validation. All applications are subject to status and assessment.


fixed rate loan

Credit subject to status. Exclusions may apply.

A fixed rate loan is where the interest rate stays the same throughout the term of the loan. This means that your repayments also remain the same each month (but may change if you miss payments or change your repayment date).


what features can you apply for digitally?

For all digital applications, we only offer new loans. This means that if you want to make any changes to an existing loan then please contact Coutts beta 24 on 020 7957 2424.

By proceeding to apply for a loan digitally, the following features will apply:

  • We only offer Sole Loans
  • All loans are on a repayment basis, and payments are collected monthly
  • We only offer a Fixed Rate Loan
  • The maximum term you can apply for is 10 years

loan calculator

Please be aware that due to limited functionality, you are only able to borrow £1,000. Our loan calculator will give you an idea on the interest and monthly payments, with no impact on your credit score.

For the staff test and learn, with Coutts beta loans

  • No charges on early repayments.
  • Borrow £1,000, depending on your circumstances.
  • Borrow for a minimum of 2 years up to a maximum of 10 years.
  • Receive your funds within 2 working days.

Please note, our loans should not cover deposits for a property purchase, household bills or rent or mortgage payments; car tax; business purposes; payments in arrears; tax avoidance; court or solicitors fees; gambling; buying shares, debt consolidation or investments.


applying for a loan


You can log in to apply for a loan with us.

Go to More, then Apply for new products.


new customer

You'll need a Coutts beta bank account to have a loan with us.




understanding loans

applying for a loan

managing your loan