Loans

Whether you're looking to fund a new business idea, manage personal needs, or invest in your future, South Yorkshire Capital Trust Bank offers a range of flexible loan solutions tailored to your goals. We offer both secured and unsecured loans with competitive rates and a fast approval process.

Loan Categories

Personal Loans – For education, healthcare, renovations, and more
Auto Loans – Purchase a new or used vehicle with manageable repayment terms
Home Improvement Loans – Fund repairs, upgrades, or expansions
Business Loans – Support working capital, equipment, and expansion needs
Secured Loans – Higher limits and lower rates with collateral
Overdraft/Short-Term Credit – Bridge cash flow gaps quickly and easily

Loan Features

Loan amounts from £1,000 up to £500,000
Repayment periods from 6 months to 10 years
Fixed and variable interest rate options
Simple online application with instant status tracking
No hidden charges or early repayment penalties
Expert loan advisory for tailored planning

Secured vs Unsecured Loans

Feature	Secured Loan	Unsecured Loan
Collateral Required	Yes (e.g., property, vehicle)	No
Interest Rates	Lower	Higher
Loan Amount	Up to £500,000	Up to £50,000
Approval Time	2–5 working days	Same day to 2 days
Best For	Large projects or investments	Personal expenses or emergencies

Loan Application Requirements

Valid ID (passport or driver's license)
Proof of income (payslip, tax return, or bank statement)
Proof of address (utility bill or tenancy agreement)
Business registration (for business loans)

Ready to apply? Visit your local branch or start your online application here.