Apply for a personal loan


Personal loans

  • Representative 8.9% APR for online loans of £7,500 to £14,950. This includes your 1.0% Royalties/Royalties Gold discount.
  • 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 other rates

Representative Example:
Personal Loan of £10,000 over 60 months. 60 monthly repayments of £205.45. Total amount payable: £12,327.00.
Interest rate: 8.9% p.a. (fixed).
Representative 8.9% APR

Important information

Please make sure you have read the following before you make your application:


If you bank online we could save you time by pre-filling your application.

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.