Online banking

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This is the loan you are applying for:

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
  • be a UK resident and only have tax residency in the UK
  • only use this loan for personal (not business) purposes

Please note: If you're applying for a loan with another person, you must have the permission of the other applicant, and the above statements must be true about both of you.

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?

How we use your data

Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group take the security of your data seriously. We collect data when you browse our website (e.g. your IP address), request a quotation, apply for a product, partially complete an application or do not proceed with an application.

For more information on how we collect, use and share your personal data, please click here

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

How we collect and use your personal data

We use data to make you offers, provide our services to you, perform identity and eligibility checks, work out financial risk (including by credit scoring), manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.

We keep banking application data for up to 7 years. We may use this information if you apply for a product again in the future.

Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you such as about your financial history, both at application stage and on an ongoing basis. Records of credit checks may be shared with other organisations. Any joint applicant or other financial associate must understand that their records will be searched and linked to yours.

We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house- or flat-mates. We may use this information to tailor our communications, and to try to bring you better terms, deals or offers and this may include profiling.

Clubcard discounted rates are available on some loan amounts. By supplying your Clubcard number, you agree that we may use your Clubcard data when reviewing your application (including information relating to transactions made in Tesco using your Clubcard). Clubcard data will only be used to have a positive impact on our assessment of your application.

Detailed information on how we handle your data and your rights under data protection laws is available in our Privacy Notice.

By proceeding with your application you acknowledge we can use your data in this way.

If we’re unable to approve your application

We've teamed up with Shawbrook Bank who may be able to offer you a loan if we can’t. If we’re unable to offer you a loan, we'll share your application with them. They’ll automatically process this information and do a ‘soft credit check’ to decide if they can give you a personalised loan offer. Don’t worry, other companies can’t see this, and it won’t affect your credit score.

If Shawbrook Bank can offer you a loan you’ll see this after submitting your application and we’ll also send you an email with the details.

Shawbrook Bank Privacy Policy