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What is a Bamboo top-up loan?

A Bamboo top-up loan is for existing Bamboo customers who would like to borrow some more money.

If you are accepted, we will close your current loan and open a new loan for the extra cash and the amount needed to close the old loan. To make things simple, you will continue to have just one repayment with us every month. We never increase the interest rate on a top-up loan and many of our customers who have a top-up loan are even offered a lower interest rate. The extra cash you can borrow will depend on your personal circumstances.

When can I apply for a top-up?

You can apply for a Bamboo top-up loan if you have made more than 10 monthly repayments on time. If you have finished paying off your current loan, you may be eligible for a repeat loan with us. Find out more about repeat loans.

Important things to consider:

  • It is important to know that refinancing through a top-up loan can be more expensive than taking out a concurrent loan. Unfortunately, currently Bamboo cannot offer concurrent loans.
  • It’s important that you can comfortably afford the loan repayments and it won’t cause you any financial difficulty in the future.
  • A top-up loan will increase the debt and the time it will take to pay off your loan.
  • A top-up loan application will be subject to the same checks as a new loan application. As a responsible lender, it is our duty to ensure that you meet our lending criteria and that you can sustainably afford your top-up loan repayments.

Here’s an example of how further borrowing can impact your current loan repayments.

Bamboo top-up loan example:

If the settlement balance of your current loan is £2,000 and you want to borrow an additional £1,000 then your new loan would be £3,000.

How to top up your Bamboo loan:

You can apply for a top-up loan by logging into your account.

If you have any questions, you can call us on 0330 159 6014 or send us an email at

Our opening hours are:
Monday to Friday: 9am – 5pm
Saturday: 9am – 2pm

Check if you’re eligible