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Why choose a Virgin unsecured personal loan?

You choose how much, how long and what for?
You can borrow £3,000 – £25,000 at a typical rate of 6.9% APR. Build a shed, buy a camel, fly to the moon... as long as it's legal we don't care. Pay it back over 12–72 months, with or without Payment Protection Cover.  You can even choose to defer your loan repayments for the first 4 months*. Nice one.

No hidden charges
Thinking about paying your loan off early? Some loans trap you with hidden charges if you try to. Not Virgin. Pay your Virgin Personal Loan off as early as you want without any extra charges, and the sooner you do the more you’ll save in interest.

Drawing of a clock - we could accept you for your loan in 10 to 15 minutes

It's a doddle
Apply online and we'll aim to give you a 'yes' the next working day. Or you can call us free on 0800 068 5688 and quote 'Virgin Internet’. We're here 8am – 9pm Monday to Friday and 9am – 6pm Saturdays. We could give you the nod in 10–15 minutes.

Once you've had the thumbs up, we'll send you a form to sign. We'll usually get the money to you within five working days, but if you need it quicker, no problem – just let us know and it could be in your bank account the day we get your form back.

It could happen to you
What if an accident, illness or losing your job meant you couldn't make the repayments? Sleep easier with Payment Protection Cover.

HOW MUCH WILL MY MONTHLY PAYMENTS BE?

That depends how much you're looking to borrow and how long you want to pay it off. The quickest way to find out is to enter your amounts in our calculator and it will show you exactly what your monthly payments would be.

But as a rough example, say you applied today and borrowed £7,500 at our typical rate of 6.9% APR, paying it back over six years.

If you safeguarded your repayments against accident, sickness and involuntary unemployment with Payment Protection Cover, you'd pay £160.95 each month for 72 months. So the total you'd pay back would be £11,588.43.

If you didn't protect your repayments, you'd pay £126.92 each month for 72 months. And the total you'd pay back would be £9,138.66. (But remember, you'll be responsible for making your repayments each month, whatever happens.) 

There is a charge of £25 for optional next day cash into your bank account.