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Personal borrowing accounts

Borrowing made better

Whether you need a little extra top-up or a bigger boost to buy something special, we have an option that can help. Our credit card has one simple rate, and with our instant card printing, there’s no hanging around. If you’re looking for a personal loan, you can apply in store or online – the choice is yours.

Metro Bank Credit Card

Our Credit Card comes with one single interest rate, no annual fee, free European transactions and contactless payments in most countries. Plus, with text alerts and our Insights feature, we make it easy to keep track of your spending.

RateSetter personal loan

You can easily apply online for a personal loan with RateSetter from anywhere, anytime. Get an instant quote to find out your personalised rate in minutes, and then apply in one click – you’ll usually have an answer the next working day.

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A flexible arranged overdraft could be the right choice if you want to borrow a small amount of money to tide you over for a short time. The quicker you pay it back, the less it’ll cost you in interest.

Want some help with borrowing?

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‘I need to talk to someone about my financial difficulties’

If you're experiencing debt issues get some help now.

‘I want to know more about borrowing responsibly’

Before borrowing you should make sure you understand the commitment you're making.

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How we can help

Types of borrowing

We offer three simple ways to borrow when you need a little extra cash. Choose the best option for you with our helpful guide. 


Protecting your money

Your eligible deposits with Metro Bank are protected by the FSCS.