However, Bank of Scotland is offering customers the chance to cut out all those fiddly forms and apply for a personal loan online. Amounts from £1,000 to £25,000 can be accessed.
If this was not enough incentive, a special online rate of 6.4 per cent typical APR is being put forward, which is fixed for the life of the loan so there is no need to worry about rising repayments.
A decision can also be provided online instantly, so there is no need to waste time in work frantically checking your personal inbox for a decision that could hep you book that well-earned holiday.
A cheque can also be distributed in 24 hours via an optional courier service. There are also no repayments for the first three months.