Loan options

• Personal loans
  • Summary Box
  • Common questions
  • Legal information
• Graduate loan
• Borrowing for home owners

Useful Information

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

• Online rate - 11.4% APR Typical for online loans of £10,000 to £25,000
• Other loan amounts available at alternative rates
• Ten year loans - if you borrow over £2,500 for home improvements
• Money in your account next working day (online banking customers only)*

• Personal Loans Summary - Rates & Charges

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 customers 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.