Bank of Scotland Personal Loans UK The Bank of Scotland offer a fast online application process for your personal loan. The Bank of Scotland is part of the HBOS (Halifax Bank of Scotland) group which was the result of the merger between Halifax and The Bank of Scotland. The merger happened in 2001. HBOS has over 22 million customers. The company is one of the UK's largest savings and mortgage providers. Personal Loans Consolidation also Offers Secured Personal Loans , Unsecured Loans & Debt Consolidation