Apply for a personal loan


Personal loans

  • 1.0% discount for Royalties and Royalties Gold customers.

Monthly account fees apply: Royalties £6.95, Royalties Gold £12.95.

  • 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.

Continuing your application online


Existing customers

Already have an RBS current account?

I bank online with RBS

I bank with RBS but not online

Not got an RBS current account?

Our personal loans are only available to RBS current account holders. Not got one?


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 up to £14,950, the maximum repayment term is five 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

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

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