Yorkshire Bank Loans

249 reviews

Representative 2.9% APR

Will lend between: £1,000 - £35,000

Over: 12 - 84 Months

Representative example: If you borrow £7,500 over 60 months at a Representative rate of 2.9% APR and an annual interest rate of 2.9% (fixed), you would pay 60 monthly installments of £134.32. The total charge for credit will be £559.01 and the total amount payable will be £8,059.01.

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Yorkshire Bank Loans customer reviews.

249 reviews

1.2 out of 5 stars

Our review of Yorkshire Bank Loans

Yorkshire Bank, like other banks they request that their applicants have very good credit rating. Customers are also able to get a top-up on their personal loan if they’re looking to borrow at least an additional £1,000 – one thing to watch out for is that your existing Yorkshire Bank loan will be automatically cleared and closed, but you will need to make sure that repayments are kept up-to-date in the meantime.  

Yorkshire Bank make it really simple for customers to get in touch if they need to talk about their loan, as well as being able to contact them over the phone and in a branch, they also have online advisors that customers can chat to. This is a nice personal touch  from Yorkshire Bank as it means that customers can use the most convenient method for them and still feel in control of their loan.

Yorkshire Bank have a mid to high table OPTIOSCORE of 79.3 out of 100. Their features such as the availability of top ups and their ease of being contacted have boosted this and has made the bank seem more human and personal than others like it in the market. On Choose Wisely their score is an average 2.2 out of 5, some customers have praised them for the lack of fees, but we have seen quite a few reviews who have stated that they’re disorganised, unhelpful and inflexible which is a shame from such a big name.

Overall verdict: An old-fashioned bank that’s tried to embrace the modern world, Yorkshire Bank have tried to position themselves as providing a personal touch. From some of the reviews we’ve seen they’re not quite hitting the mark with it, but with such a big bank this is often the case. As they are slightly more expensive than other lender who have the same criteria, it might be worth shopping around if you can.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • You don’t need to be a Yorkshire Bank customer to apply
  • You can make additional payments to the loan at any time
  • Able to contact them over the phone, in branch and online chat
  • Allow top-ups
  • Instant online decision during opening hours

Minimum criteria

  • You must be aged at least 18
  • You must have a permanent UK address
  • You will need to have a good credit history
  • You will need to have a UK bank account
  • You must have a debit and/or credit card


  • Maximum APR 2.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Yorkshire Bank Loans

Yorkshire Bank offer unsecured personal loans from £1,000 to £35,000 over one to five years. They advertise a representative 2.9% APR online, however depending on personal circumstances and the amount you borrow the actual rate offered may differ once you’ve completed the application.

In order to apply for a loan with Yorkshire Bank you must be aged at least 18 years old. You must have a permanent UK address, a perfect credit history, a UK bank account and a debit and or credit card. You do not need to be an existing customer to apply for a loan with Yorkshire Bank. The application process is quite detailed and you’ll need various documents to refer to such as your address history for the past five years, your employer’s details, information about your income and outgoings and your bank details – with all this to hand the application should take under 20 minutes to complete.

Applications are can be completed in branch, online or over phone. For all applications submitted between 8am and 10pm Monday to Saturday and 8am to 9pm on Sunday Yorkshire Bank aim to provide an instant decision. If an application is submitted outside these hours they aim to get an answer over to you within two working days. If you have been accepted your loan will be credited to your account within five working days of them receiving and checking the required documentation.

Yorkshire Bank allows top-ups to your loan provided you are borrowing at least £1,000 in new funds. You can repay your loan in full and part at any time and they will reduce the total charge for credit. When calculating this they can charge up to an additional 58 days’ interest on top of the amount you have to repay.

Company information

Registration number: SC001111


0800 707 6471

30 St Vincent Place, Glasgow, G1 2HL

FCA registration

Reference No: 121873

Trading names: Clydesdale Bank, Yorkshire Bank

Place of business: 30 St Vincent Place, Glasgow, G1 2HL

Data protection registration

Registration No: Z5602404

Data controller: Clydesdale Bank Plc

Address: 30 St Vincent Place, Glasgow, G1 2HL

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