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00 (33) 751558495 support@icbfinance.com

Calculate your Graduate Loan

Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.

£
Minimum Maximum
Minimum Maximum
Representative example

Please use the calculator or the loans interest rate table for more details.

Features & benefits

  • Borrow from £1,000 to £25,000
  • Spread your repayments over one to five years for loans of £15,000 or less, or over one to eight years for loans over £15,000.

  • Quick decision
  • No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).

  • Redraw once you've repaid
  • If your application is approved online, you'll receive the money in your account straight away.

  • Top up your existing loan
  • If you already have an Bank Personal Loan, you can apply to borrow more online.

  • Make overpayments
  • Make overpayments without charge, which may reduce the amount of interest you pay.

  • Repayment holidays
  • 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.

3.3% APR* Representative

For loans between £5,000 and £25,000.

*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.

Apply for a Graduate Loan

Are you eligible?

To apply for a Graduate Loan, you need to:

  • have an Bank current account
  • be 18 years or older and a UK resident
  • be within 5 years of graduation.
  • have an annual income/pension before tax of £10,000 or more

Please note, we may ask you to provide proof of your graduation when you apply.

Available for five years after graduation to customers who are currently (or were previously) on our Graduate service.

We do not offer our Graduate Loans for a number of purposes including:

  • The purchase of property or land (both UK & 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 Loan should not be provided for:

  • Gambling
  • Business purposes
  • Share dealing

Please note that this list is not exhaustive.

Our Graduate Loans are subject to status.

Not yet registered for online banking?

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 banking

Apply online

If you're registered for online banking and have an Bank current account, you can complete your application online in minutes.

Log on and apply now
Apply by phone or in branch

Apply by phone

Call us on 0800 032 4735

Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).

Apply in branch

Bank current account customers can book an appointment to apply in branch by calling 03457 404 404.

From outside the UK +44 1226 261 010.

Alternatively, you can book a branch appointment online.

You’ll need to bring identification and proof of your address.

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