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Loan calculator

Whether you're planning to buy a car, make some home improvements or consolidate your debts, use our loan repayment calculator to tell us how much you want to borrow, and we’ll show you an example of what you might repay.

If we make you an offer, your rate and payments may be higher depending on our assessment of your circumstances and financial behaviour. Available to over 18 only. Subject to status. All results from the loan calculator are for illustrative purposes only.

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Quickly calculate loan repayments

What will you use this loan for?

We mean a loan for home improvements like replacing permanent fixtures and fittings such as your kitchen or bathroom, adding double glazing, adding a conservatory, adding an extension or making structural changes.

If you are decorating or replacing carpets please choose "Something else"

We will only lend for debt refinancing or debt consolidation if you are 22 or older

How much do you want to borrow?
Over how long?
What will you use this loan for?
I have a single reason
How much do you want to borrow?
Over how long?

Yes, I have a Tesco Clubcard. Remember to add it in the application, as it may positively impact your application

Representative example
For customers without a Clubcard

  • Total amount repayable
  • Monthly repayment
  • Representative APR
  • Loan amount
  • Length of loan
  • Annual rate of interest (nominal)

What do we mean by APR and annual rate of interest?

Your annual rate of interest is what applies to your loan only, and it is fixed to this value over the term of your personal loan.

Annual Percentage Rate (APR) is useful for comparing loan and credit offers when you borrow, and is calculated from your annual rate of interest and any additional upfront fees charged.

Before you apply for a loan

To be eligible for a loan you must:

  • be aged between 18 and 74
  • be in employment with no probationary period, or have regular income e.g. pension
  • have lived in the UK for at least 3 years
  • have a UK personal current account

The rate we will offer you is based on your loan requirements and individual circumstances. The minimum rate we offer is 3.0% APR and the maximum rate is 28.6% APR.

This loan has fixed monthly payments for the term of the loan. Please think about how your circumstances might change over the term of the loan, and if this might affect your ability to repay.

During the application you will need:

  • your current account bank sort code and account number
  • details of your regular monthly income after tax
  • your credit and store card limits, current balances and time held
  • details of any existing loan balances and monthly repayments
  • details of your mortgage or rent payments
  • your address details for the past three years
  • your current employer's address details (if applicable)
Will this be a joint application?

Do we know you?

If we recognise that you already have Online Banking login details, we may ask you to log in and may be able to complete some of your application for you.

Date of birth

Joint applicant's details

When making an application for a joint account, please make sure you have permission from the other person to provide us with their personal information.

If your joint applicant has an existing Tesco Bank savings, loan or current account, but you don't, ask them to complete this application as it will help to speed up the process.

Joint applicant's date of birth