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Interest Rate: 7%

Repaid over a maximum of 3 years, depending on age of applicant

A secured loan requires the customer to provide items of security as collateral for a loan, making it a secured debt owed to the Bank.  Assets used as security on secured loans must be insured.

Approval of Secured Personal Loan value is dependent on the applicants ability to afford the calculated repayments and the provision of adequate security for the loan.


Examples of Personal Secured loans include:
  • Vehicle purchase
  • Higher value travel

Download our Loan Calculator to check the affordability of your loan. This will help you estimate your monthly repayment. For further details of loan calculations and repayment options, please contact our Lending team using the contact information below.

Agriculture Lending

Customers applying for a personal or commercial loan for the purpose of agricultural activities will receive a lower interest rate:

  • Secured Loan: 4.5%
  • Unsecured Loan: 5%

Bank of St Helena defines agriculture activity as the science or practice of farming, including cultivation of the soil for the growing of crops and the rearing of animals to provide food, wool, and other products.

Lending Fees & Charges – Secured Personal
Application Processing Fee*£5
Administration Fee, up to £1,000£25
Administration Fee, £1,001 to £5,000£30
Administration Fee over £5,001£45
Cancellation Fee£5

*To be paid on submission of application

Ready to Apply?

Customers making an application must be a Bank of St Helena account holder.  What is needed:

  • Fully completed application form and a signed bank transfer to cover the application fee of £5
  • Pay slip
  • Relevant insurance documentation (contact the Lending team for full details on insurance covers)

Upon receiving an application for a Secured Personal Loan our Lending team will ensure that all the necessary documents are present and that the application form is completed in full.

Terms and Conditions

Loan Calculator

Apply for a Secured Personal Loan Online

Download Secured Personal Loan Application Form

Need help completing your loan application form?  Please contact the Bank’s Lending team using the contact information provided below.

Personal loan processing can take between 2 – 3 weeks (10 – 15 working days)

Contact Us

Please contact us on (+290) 22390 or complete the Contact Form.

Personal Lending Contact Form

Please complete the information below and our Lending Team will be in touch
Please include Area Code