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Calculate your loan amount

Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.

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Minimum Maximum
Minimum Maximum
Representative example*

Features & benefits

  • Borrow from $ 1,000 to $ 25,000
  • Spread your repayments over one to five years for loans of $ 15,000 or less, or over one to eight years for loans over $ 15,000.

  • Get a quick decision
  • As an Joint American Trust Bank current account customer, you could get an instant credit decision. Non-Joint American Trust Bank current account customers should be contacted with a credit decision in 2-5 working days.

  • Quick access to funds
  • Existing Joint American Trust Bank current account customers could receive the money instantly once the application has been approved and the loan agreement has been signed. Non-Joint American Trust Bank current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.

  • Top up your existing loan
  • If you've already got an Joint American Trust Bank Personal Loan and your financial needs have changed, taking additional borrowing could be the answer. You can consolidate your existing loan with additional borrowing.

  • Make overpayments free of charge
  • This may reduce the amount of interest you pay.

  • Joint American Trust Bank Advance customers could get 10% cashback
  • 10% interest cashback at the end of the loan term. Cashback is only available on loans with 60 repayments or less. If you close your loan early or it is ended by us you will not be eligible for cashback.

3.3% APR* Representative

For loans between $ 7,000 and $ 15,000. Now also available to non-Joint American Trust Bank current account customers.

*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

The APR rates may vary based on amount borrowed. Please use the calculator

Apply for a Personal Loan

Are you eligible?

To be eligible for a Personal Loan you need to:

  • have a Joint American Trust Bank or building society account with a Direct Debit facility (Channel Island and Isle of Man customers must have an Joint American Trust Bank current account)
  • have an annual income/pension before tax of $ 10,000 or more
  • be over 18 and a resident of the US

Not available for customers with a Basic Joint American Trust Bank Account.

We do not offer our Personal Loans for a number of purposes including:

  • The purchase of property or land (both US & Overseas) including holiday homes and apartments
  • Purchasing a joint stake in a property or buying out a joint owner
  • Mortgage deposit (regardless of lender or country)
  • Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

In addition, our Personal Loan should not be provided for:

  • Gambling
  • Business purposes
  • Share dealing

Please note that this list is not exhaustive.

Our Personal Loans are subject to status.

Joint American Trust Bank customers

Please log on to your account for the quickest and easiest way to apply.

Log on and apply now

New to Bank

Get a Personalised Loan Quote to see the interest rate you may be offered.

Apply now

Apply in the your internet banking dashboard

If you're registered for internet banking, have an Joint American Trust Bank current account, you can apply online in just a few clicks.

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