Loans
Put your plans into action
Personal Loan
- Loans available from $1,000 to $25,000
- Quick decision, you could receive immediate funds
- No setup or arrangement fees
- Heritage Trust Online Bank Advance customers could get 10% cashback
3.3% APR Representative
for loans between $7,000 and $15,000.
The rate is subject to change and the representative APR may not be the rate you’ll receive. We’ll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are You Eligible?
To be eligible for a Personal Loan you need to:
- have a Heritage Trust Online Bank or building society account with a Direct Debit facility (Channel Island and Isle of Man customers must have an Heritage Trust Online Bank current account)
- have an annual income/pension before tax of $10,000 or more
Not available for customers with a Basic Heritage Trust Online Bank Account.
We do not offer our Personal Loans for a number of purposes including:
- The purchase of property or land (both United Kingdom & Overseas) including holiday homes and apartments
- Purchasing a joint stake in a property or buying out a joint owner
- Mortgage deposit (regardless of lender or country)
- Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees
In addition, our Personal Loans should not be provided for:
- Gambling
- Business purposes
- Share dealing
Heritage Trust Online Bank Premier Personal Loan
- Loans available from $1,000 to $25,000
- Quick decision, you could receive immediate funds
- No setup or arrangement fees
- Heritage Trust Online Bank Advance customers could get 10% cashback
3.3% APR Representative
for loans between $7,000 and $15,000.
The rate is subject to change and the representative APR may not be the rate you’ll receive. We’ll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are You Eligible?
To be eligible for a Personal Loan you need to:
- have a Heritage Trust Online Bank or building society account with a Direct Debit facility (Channel Island and Isle of Man customers must have an Heritage Trust Online Bank current account)
- have an annual income/pension before tax of $10,000 or more
Not available for customers with a Basic Heritage Trust Online Bank Account.
We do not offer our Personal Loans for a number of purposes including:
- The purchase of property or land (both United Kingdom & Overseas) including holiday homes and apartments
- Purchasing a joint stake in a property or buying out a joint owner
- Mortgage deposit (regardless of lender or country)
- Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees
In addition, our Personal Loans should not be provided for:
- Gambling
- Business purposes
- Share dealing
Graduate Loan
- Exclusively for Heritage Trust Online Bank current account customers within 5 years of graduating
- Loans available from $1,000 to $25,000
- Quick decision – you could receive immediate funds
- No set up or arrangement fees
- Make unlimited overpayments free of charge
The rate is subject to change and the representative APR may not be the rate you’ll receive. We’ll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are You Eligible?
o apply for a Graduate Loan, you need to:
- Have an Heritage Trust Online Bank current account
- Be 18 years or older and a United Kingdom resident
- Have an annual income/pension before tax of $10,000 or more
- Be within 5 years of graduation
Please note, we may ask you to provide proof of your graduation when you apply.
Available for 5 years after graduation to customers who are currently (or were previously) on our Graduate service.
Flexi loan
- Loans available from $500 to $5000
- Only pay for what you use – if you don’t use your Flexi loan, you don’t pay anything
- Choose your monthly repayment on your outstanding balance from 4% – 10%. Minimum payment applies
- No set up or arrangement fees
- Re-draw your available balance up to the limit. Once you’ve repaid your Flexi loan, you can redraw the available balance
The rate is subject to change and the representative APR may not be the rate you’ll receive. We’ll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%
Are You Eligible?
To apply for a Flexi loan, you need to:
- have an Heritage Trust Online Bank current account
- be 18 years or older and a United Kingdom resident
- have an annual income/pension before tax of $10,000 or more