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Loans & Credit Solutions You Can Trust

With 185 years of combined banking heritage, Sterling Bank Savings in partnership with Barclays offers responsible, transparent, and competitive lending solutions designed to support your personal goals and business ambitions.

Flexible Finance for Every Purpose

Whether you're planning a major life event, purchasing a home, financing a vehicle, consolidating existing debt, or investing in your business, our range of loans and credit products provides the financial support you need with clarity and confidence.

Our Lending Products

Competitive rates, flexible terms, and dedicated support from experienced lending specialists.

Personal Loans

Unsecured loans to help you achieve personal milestones — from home renovations and weddings to debt consolidation and unexpected expenses.

  • Borrow from £1,000 to £50,000
  • Repayment terms from 1 to 7 years
  • Fixed monthly repayments
  • No early repayment charges
Check Your Rate Now

Representative APR 9.9% • Subject to status

Mortgages

Expert mortgage solutions for first-time buyers, home movers, remortgaging, and buy-to-let investors. Benefit from competitive rates and personalised advice.

  • Fixed and variable rate options
  • Up to 95% Loan-to-Value available
  • Government-backed schemes supported
  • Dedicated mortgage specialists
Get a Mortgage Quote

Rates from 4.29% • Terms up to 40 years

Auto Finance

Flexible vehicle finance for new and used cars, including Personal Contract Purchase (PCP), Hire Purchase (HP), and leasing options.

  • Finance for new and used vehicles
  • Low deposit options available
  • Competitive fixed rates
  • Fast approval and simple process
Apply for Car Finance

Representative 7.9% APR

Business Loans & Credit

Tailored funding solutions to support business growth, working capital needs, equipment purchase, or expansion projects.

  • Unsecured and secured business loans
  • Flexible repayment terms up to 10 years
  • Dedicated business relationship manager
  • Quick decision making process
Explore Business Finance

Subject to status and affordability

Why Borrow With Sterling Bank Savings?

Responsible & Transparent Lending

We believe in sustainable borrowing. Every application undergoes thorough affordability assessment to protect your long-term financial wellbeing.

Expert Personalised Guidance

Our qualified lending specialists take time to understand your goals and recommend the most suitable product from our comprehensive range.

Efficient & Secure Process

Benefit from streamlined digital applications, fast credit decisions, and secure funding — often with same-day disbursement for eligible personal loans.

Ready to Discuss Your Borrowing Needs?

Our experienced team is here to provide clear advice and find the right lending solution for you — with no obligation.