Existing BACB loan customers

If you've already got a personal loan from BACB and your financial needs have changed, topping up your existing loan could be the answer. If you're eligible, it's simple to arrange an additional loan which could make life easier. What's more as an existing customer you can apply for the same great products we offer to new customers.

What options do I have as an existing loan customer?

You have two options:

• You could take out a second loan at our current interest rate, to run alongside your existing loan at its original interest rate.
  Our maximum personal loan lending is limited to two personal loans and a £40,000 limit per customer.
• Or you can choose to top up your existing loan and repay over a longer period.
  You will need to pay the fee for settling your current loan early – a maximum of 58 days’ interest. You’ll also pay extra interest as we’ll extend your loan term.

These options are not guaranteed offers – you will be subject to the normal credit application process. The rate you are offered on the new loan could be higher than your existing loan and will depend on your personal circumstances, credit assessment procedures and other related factors.

Benefits of borrowing more with BACB

• Quick and easy application process
• Repayment terms of 1 year to 5 years
• Fixed monthly payments
• Optional two month repayment holiday at the start of your loan
• Moneyfacts Best buy and 5 star rated products

Apply in Minutes

It's easy to apply, simply call us on and we can talk through your options and complete your application.

Lines are open 8am – 10pm Monday to Friday, 8.30am – 6pm Saturday and 9.30am – 5.30pm Sunday. Calls are free from landlines. Telephone calls may be monitored or recorded for quality control procedures