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+44 (745) 127-4267 contact@westerncitibankplc.com
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GRADUATE LOANS

Be ready for what comes next


GRADUATE LOANS

Be ready for what comes next


GRADUATE LOANS

Be ready for what comes next


GRADUATE LOANS

Be ready for what comes next


GRADUATE LOANS

Be ready for what comes next

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CALCULATE YOUR GRADUATE LOAN

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

How much would you like to borrow? £
Enter an amount between £{{min}} and £{{max}} or reduce the term below 60 months
to borrow less
3.3%

1,000 Minimum 50,000 Maximum
Over how many months?
The loan term must be between {{min}} and {{max}}

12 Minimum 60 Maximum
Representative example

Monthly repayment £180.80 Total amount payable £10,848.30 APR 3.3% Interest rate
p.a. 3.3%

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 Western Citi 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 Western Citi 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 a Western Citi 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 +44 (745) 127-4267

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 .

From outside the UK Western Citi.

Alternatively, you can book a branch appointment online.

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

Log on to book an appointment online Continue without logging on


THINGS YOU SHOULD KNOW

 * Standards of lending practice
 * Personal Loan Terms & Conditions (PDF, 90KB)
 * Privacy Notice (PDF, 547KB)


YOU MIGHT ALSO BE INTERESTED IN

Personal Loan

Borrow from £1,000 to £25,000 and make your plans a reality with a personal loan
from Bank.

Flexiloan

Flexible repayments between 4%-10% of the loan limit (minimum repayment
applies).

Western Citi Premier Personal Loan

Available exclusively to Western Citi Premier current account customers.

CONNECT WITH US

Listening to what you have to say about our services matters to us.

HELP & SUPPORT

Got a question? We are here to help you

FIND A BRANCH

Find your nearest Western Citi Banking locations

OUR PERFORMANCE

View our service dashboard to see how we're doing

WESTERN CITI PLC

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