Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.
Please use the calculator or the loans interest rate table for more details.
Subject to our assessment of your personal financial circumstances.
No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).
You always know how much you need to repay each month.
You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall.
If approved online or in branch, you'll receive the money in your account the same day. If your application is referred, we may require further information, and the paperwork may need to be completed in branch or by post.
If you already have an Optimum Heritage Personal Loan, you can apply to borrow more online.
You can make overpayments without charge, which may reduce the amount of interest you pay.
For loans between $7,000 and $30,000.
*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%.
The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.
Optimum Heritage Optimum Heritage is available to you, if you pay your annual income into your Optimum Heritage Optimum Heritage Optimum Heritage Account and have either:
Or if you’ve already qualified for Optimum Heritage Optimum Heritage in another country.
We do not offer Optimum Heritage Optimum Heritage Personal Loans for a number of purposes including:
In addition, our Personal Loan should not be provided for:
Please note that this list is not exhaustive.
Our Optimum Heritage Personal Loans are subject to status.
It only takes a few minutes to register, and once you receive your security details, you'll be able to apply online.
Register for online bankingIf you're registered for online banking and have an Optimum Heritage current account, you can complete your application online in minutes.
Log on and apply nowCall us on +44 204 EHB BANK
Textphone +44 204 EHB BANK
Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).
Optimum Heritage Current Account customers can book an appointment to apply in branch by calling +44 204 EHB BANK.
Alternatively, you can book a branch appointment online.
You’ll need to bring identification, proof of your address and a recent statement from your current bank.
Log on to book an appointment online Continue without logging on
Borrow from $1,000 to $25,000 and make your plans a reality with a personal loan from Bank.
Flexible repayments between 4%-10% of the loan limit (minimum repayment applies).
Available exclusively to Optimum Heritage current account customers who are within 5 years of graduation.