Virgin Money Personal Loan

Virgin Money offers a straightforward personal loan option, but recent changes may affect new applicants.

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Virgin Money Personal Loan

Updated 7 minutes ago
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Representative APR

5.1–29.9%

per year

Loan Amount

£1,000–£25,000

Term

12–60 mo

Decision

Same day

Requirements

UK resident 18+ Regular income

About this loan

Virgin Money offers personal loans with a focus on straightforward pricing. No early repayment charges and a clean online application.

Our Verdict

Virgin Money offers a straightforward personal loan option, but recent changes may affect new applicants.

✅ Best For

This loan is best for existing Virgin Money customers, as new applications have been redirected to Nationwide.

⚠️ Watch Out

Be aware that Virgin Money is no longer accepting new personal loan applications and is transitioning to Nationwide.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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Expert Analysis

Virgin Money's personal loans have traditionally been recognised for their transparent pricing and user-friendly online application process. However, it's essential to note that as of April 2026, Virgin Money's operations have transferred to Nationwide, meaning they are no longer accepting new loan applications. This transition could affect existing customers who may need to adapt to the new provider's policies and offerings.

With APRs ranging from 5.1% to 29.9%, potential borrowers should carefully consider their creditworthiness and the loan terms. The absence of early repayment charges is a significant advantage, allowing borrowers to pay off their loans ahead of schedule without incurring additional fees. Nevertheless, the requirement for a Nationwide current account or savings account to apply for a new loan post-transfer may be a barrier for some. Overall, while Virgin Money's personal loan was a competitive option, prospective borrowers should now look to Nationwide for similar products, where the application process may differ.

Virgin Money Personal Loans: A Mixed Bag After the Nationwide Merger

Virgin Money promises simplicity but delivers a wide range of APRs. Is it still worth considering no…

Read full review →

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