Over 18s only. Rates depend on circumstances and loan amount. Money in your account next day applies to existing RBS digital banking customers who apply between 6.30am and 5.55pm Monday to Thursday (excluding public holidays). For customer who meet all of our credit requirements, have their loan application accepted, are eligible and choose to complete their loan documentation online, the loan funds will be available the next working day from 9.00am. In some cases we may need to refer a decision, in which case, it may take longer.