Tell me moreApply for our personal loan online
Personal loans
Our personal loan could be a good choice if you’re looking for fixed-rate repayments.
- Fixed rate - repayments are fixed for the length of the loan
- 11.4% APR Typical for online loans of £10,000 to £25,000
- Other loan amounts are available
- Money in your account next working day (online banking customers only)*
- For existing RBS current account customers only
Important information
You need to be aged 18 or over and a permanent resident in the UK for tax purposes.
Please note our personal loans are only available to existing RBS current account holders.
For loans under £15,000, the maximum repayment term is five years. And for loans between £15,000 and £25,000 you can borrow over a maximum of seven years. However, if you borrow over £2,500 for home improvements, the maximum repayment term is 10 years.
Please ensure you have read the product information and have read and understood the legal information
Continuing your application online
Please note we no longer sell Loanguard personal loan protection. Please do not select this option when applying for your loan.
Existing customers
Already have an RBS current account?
Not got an RBS current account?
Our personal loans are only available to RBS current account holders. Not got one?
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 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.