Loan options

• Personal loans
  • Common questions
  • Legal information
• FlexiLoan for Graduates
• Borrowing for home owners
• Already have an RBS personal loan?

Useful Information

• Guide to loans
• Ways to bank with us
• Historic RBS Base Rate changes

For existing current account holders

• Available to existing RBS current account customers only.
• Money in your account the next working day
  (online banking customers only).
• Online application takes just minutes.
• Borrow over a maximum of 10 years.
• Other loan amounts are available at alternative rates.

Over 18s only. Rates depend on circumstances and loan amount.

Money in your account next day applies to existing RBS online 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

Maximum term for loans up to £14,950 is 5 years, and up to 10 years for home improvement loans over £2,500.