From 4.5% APR · Decisions in minutes · 150+ countries

Loans that move as fast as you do

Personal loans, home mortgages, auto financing and business credit — all from one global platform. Transparent rates, zero hidden fees, instant decisions.

Zero early repayment fees100% digitalAvailable globally

Products

A loan for every milestone

Whether it's a personal goal, a business dream, or the home you've always wanted — we have the right product at the right rate.

Personal Loan

Quick funds for any personal goal — travel, medical, home improvement or a fresh start.

From 7.9% APRUp to $50K · Up to 84 months
Apply now

Line of Credit

Flexible credit at your fingertips. Draw, repay and redraw as many times as you need.

From 12% APRUp to $25K · Revolving
Apply now

Business Loan

Fund growth, purchase equipment or manage cash flow with a tailored business credit facility.

From 6.5% APRUp to $500K · Up to 10 years
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Home Loan

Competitive fixed and variable rate mortgages for purchase, refinance or home equity.

From 5.5% APRUp to $2M · Up to 30 years
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Auto Loan

Finance any new or used vehicle from any dealer. Quick pre-approval, no mileage restrictions.

From 4.9% APRUp to $100K · Up to 72 months
Apply now

Student Loan

Undergraduate, graduate and professional degree financing at low, government-backed rates.

From 4.5% APRUp to $150K · Up to 25 years
Apply now

Calculator

Know your repayment before you apply

Adjust the sliders to see exactly what you'll pay each month. No surprises, ever.

$20,000
$1,000$100,000
24 months
6 months84 months

Repayment estimate

Monthly repayment

$904

Loan amount$20,000
Interest rate7.9% APR
Tenure24 months
Total repayable$21,687
Total interest$1,687
Apply for this loan

Estimates only. Actual rate subject to credit assessment.

Process

Get funded in 4 simple steps

01

Apply in minutes

Complete our simple online form — no paperwork, no branch visit required.

02

Instant credit check

Our AI-powered system reviews your profile in real-time using bank and identity data.

03

Decision in minutes

Receive an approval decision and review your personalised offer digitally.

04

Funds disbursed

Money lands directly in your SilverBrook account the same business day.

Couple reviewing home loan documents

Eligibility

Simple requirements, fast decisions

Our AI-powered credit assessment reviews your profile holistically — so more people across the world qualify.

  • Available to residents and citizens of 150+ supported countries
  • Government-issued photo ID required
  • Minimum age 18 · Maximum 70 at loan maturity
  • Consistent verifiable income or business trading history
  • Valid SilverBrook main or savings account
  • No active loan defaults in the last 24 months

Your data is fully secure and private. We never share your information with third parties without consent.

FAQ

Loan questions answered

Still unsure? Chat with our loan team at loans@https://silverbrookbank.com/

Start application

Ready to apply for your loan?

Get a decision in minutes. No branch visit, no paperwork. Available in 150+ countries.

Apply now — it's free