Digital Banking
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Personal Loans -
Additional borrowing for existing RBS loan customers
Borrow more at Representative 6.9% APR online between £7,500 and £14,950
- Other amounts available at alternative rates, and rates depend on circumstances and loan amount.
Information about our loans
- Borrow between £1k - £25k in total across your loans
- Flexible choice of repayment terms
- Borrow for almost any purpose
- If you bank online we’ll pre-fill your application and you could have the funds next working day
What options do I have when borrowing more?
As an existing loans customer you have two options:
- Open an additional loan at our current rates and retain your old loan at its original interest rate. Or,
- Replace your existing loan with a new loan for a larger amount. We'll close your existing loan for you as part of the process.
If choosing this option:
- An Early Repayment Charge (ERC) will apply, take this into account when working out costs.
- To find out your outstanding loan balance, current rate, and your ERC please call us or visit your local branch.
- Your existing loan may have Personal Loan Protector which will end if the loan is repaid, and is not available on new loans. If you wish to protect your income please visit your local branch.
- Minimise costs by keeping the term of your borrowing short, a longer term can increase the overall interest you pay.
What important information do I need to be aware of?
- To find out your outstanding loan balance, current rate, and your ERC please call us or visit your local branch.
- Your total loan borrowing with us cannot exceed £25k
- You must be over 18 and have a RBS current account to apply.
Loan calculator
Calculate rates, monthly repayments, and total loan cost.
Other useful links
Do you have existing debts? See if our debt consolidation guidance could help you
Get in touch
Lines are open: Mon to Fri 8am-8pm, Saturdays & Bank Holidays 9am-6pm, Closed on Sunday. Calls may be recorded-
Telephone
0800 148 8331 -
Minicom
0800 404 6160 - Find your nearest branch
Flexible repayment terms
- 1 to 5 years for loans from £1k to £15k
- 1 to 7 years for loans from £15k to £25k.
- Up to 10 years for home improvement loans over £2,500.
Remember, you could save money by keeping your repayment term short as this minimises the interest you pay.
Apply for a personal loan
When applying online, please ensure you agree with the following statements:
- I am an existing RBS current account customer and I am over 18 years old
- I have used the loans calculator and can afford the monthly payments for the loan I want
- I have not been declared bankrupt or received a CCJ (County Court Judgement) or Court Decree for unpaid debt
- I have not repeatedly missed payments on bills or debt
If you cannot agree with the above, we recommend you visit your local branch or call us to receive personalised guidance from one of our advisors.
Important information about additional borrowing
If you opt to close your old loan early an Early Repayment Charge (ERC) will apply.
Your existing loan may have Personal Loan Protector which will end if the loan is repaid, and is not available for new loans. If you wish to protect your income please visit your local branch.
Minimise costs by keeping the term of your borrowing short, a longer term can increase the overall interest you pay.
Important information
When applying online, please ensure you agree with the following statements:
- I am an existing RBS current account customer and I am over 18 years old
- I have used the loans calculator and can afford the monthly payments for the loan I want
- I have not been declared bankrupt or received a CCJ (County Court Judgement) or Court Decree for unpaid debt
- I have not repeatedly missed payments on bills or debt
If you cannot agree with the above, we recommend you visit your local branch or call us to receive personalised guidance from one of our advisors.
Important information about additional borrowing
If you opt to close your old loan early an Early Repayment Charge (ERC) will apply.
Your existing loan may have Personal Loan Protector which will end if the loan is repaid, and is not available for new loans. If you wish to protect your income please visit your local branch.
Minimise costs by keeping the term of your borrowing short, a longer term can increase the overall interest you pay.