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You may borrow between £1,000 - £25,000 but you must be a UK resident aged between 18 and 65 to be able to apply for a Morgan Stanley loan and have no County Court Judgements (CCJs).

Morgan Stanley operates two loan bands, up to £5,000 and £5,000 - £25,000, charging a premium APR for smaller loan amounts. However, Morgan Stanley does not operate risk-based pricing. This means that thee interest rate you see is, if you are accepted as a customer, the interest rate you will get.

The APR you will be charged is based solely on the amount you borrow and not on your circumstances. Morgan Stanley will, of course, carry out a credit check before deciding whether to lend to you or not.

You may arrange to repay your personal loan back over a term from 12 months up to seven years and if you need to do so to help your budget, Morgan Stanley offers you the option of deferring the first repayment on your loan for three months. You may not take repayment holidays thereafter. Morgan Stanley does allow lump sum repayments to be made to its personal loan subject to a minimum lump payment of £500.

Funds will be transferred to your account within five days of your loan application being accepted but you can opt for faster delivery. Next working day transfer can be arranged at a cost of £25 which Morgan Stanley deducts from your loan advance.

Morgan Stanley is US-based global financial services firm. It launched personal financial services in the UK with the establishment of Morgan Stanley Card in September 1999. It has offered personal loans in the UK since October 2002.

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