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Interest Rate: 8%

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

Applications can be made for an unsecured personal loan for a minimum of £300 up to a maximum £5,000.  An unsecured loan does not require the customer to provide security against the loan amount requested; instead the Bank may satisfy the debt against the borrower rather than an asset put up as collateral.

The loan amount approved will depend on the applicants ability to afford the calculated repayments.

Examples of Personal Unsecured loans include:
  • Purchase of furniture
  • Vehicle repairs and maintenance
  • Travel
  • Studying
  • Special Occasions (e.g. Christmas, Christenings)

Please note, an unsecured loan cannot be used for vehicle purchase. 

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 – Unsecured Personal
Application Processing Fee*£5
Administration Fee, up to £1,000£25
Administration Fee, £1,001 - £5,000£30
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

Upon receiving an application for a 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 an Unsecured Personal Loan Online

Download Unsecured 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