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Discover your best borrowing options

Use our tool to find the top ways you could borrow money.

About you

Are you a Royal Bank of Scotland current account customer?

Let us know so we can show relevant options.

Which products do you have with us?

This helps us know what borrowing options, tools and support we can show you.

Your reason for borrowing

Know what you want to borrow for?

Tell us if you’re borrowing for something specific, or you just want to see your options.

What would you like to borrow money for?

We’ll show relevant borrowing options based on your answer.

Know what you want to borrow for?

Whether you’re looking to borrow for something new or need help or want to change your existing borrowing, we’ve hopefully got you covered. Just let us know what you’re looking to do.

Know what you want to borrow for?

Tell us if you’re borrowing for something specific, or you just want to see your options.

What do you want to borrow money for?

We’ll show relevant borrowing options based on your answer.

How do you want to change your borrowing?

Choose the adjustments you want to make to your existing borrowing below.

Which borrowing product do you need help with?

Money specifics

Do you know how much you want to borrow?

Not sure how much you need? Select ‘no’ below and we’ll work it out based on your estimated costs.

How much do you want to borrow?

We’ll show relevant borrowing options based on your answer.

Please enter amount.

More than £{morethanamount} inline

Let’s work out an amount

Add in the costs, and we’ll do the maths.

Items added
item
Total amount

Do you have a mortgage?

Let us know if you have a mortgage, even if it’s not with Royal Bank of Scotland. Knowing this could open up more borrowing opportunities.

Please reduce desired borrowing amount

You’re only able to borrow over £50,000 if you have a mortgage. You told us you don't have a mortgage, so please reduce the amount you want to borrow.

How quickly would you like to repay?

Choose how long you want to take to repay.

Time to repay

More than {morethanyear} years. inline

Check your answers

Your borrowing details

You can adjust any of your answers using the edit (pencil) button.

Borrowing for:
-
Borrowing amount:
-
Repay In:
-
Repayments:
-

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing details

Edit your answers to update these results.

Borrowing for:
-
Borrowing amount:
-
Repay in:
-
Flexible:
-

Should you borrow?

Sometimes getting creative and finding ways to save is a better option than taking on additional debt. Become a customer and get access to our spending and budgeting tools. These help you take manageable steps towards your goals.

Spending and Budget Tracker

Get on top of things by keeping track of where each penny goes in our app. Then set a budget to better manage that money. Eligibility criteria applies.

Savings goal tool

Keep your eye on the prize by setting up a savings goal (or two) in our app. It helps current customers know how much to save each month. Eligibility criteria applies.

Didn’t find what you were looking for?

Explore all borrowing options Start over

Didn’t find what you were looking for?

Explore all borrowing options Start over

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing details

Edit your answers to update these results.

Borrowing for:
-
Borrowing Amount:
-
Repay In:
-
Flexible:
-

Should you borrow?

Sometimes getting creative and finding ways to save is a better option than taking on additional debt. Become a customer and get access to our spending and budgeting tools. These help you take manageable steps towards your goals.

Spending and Budget Tracker

Get on top of things by keeping track of where each penny goes in our app. Then set a budget to better manage that money. Eligibility criteria applies.

Savings goal tool

Keep your eye on the prize by setting up a savings goal (or two) in our app. It helps current customers know how much to save each month. Eligibility criteria applies.

Didn’t find what you were looking for?

Explore all borrowing options Start over

All Royal Bank of Scotland borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Didn’t find what you were looking for?

Start over

Ways to reduce your existing borrowing

Scroll through this page to see all the different ways to reduce the amount you’ve borrowed.

Ways to increase your existing borrowing

Scroll through this page to see all the different ways to increase the amount you’ve borrowed.

Ways to save on your repayments

Scroll through this page to see all the different ways to reduce your repayments.

Ways to consolidate your debt

Scroll through this page to see all the ways you could turn multiple repayments into one.

Know your credit score

You can now check your credit score quickly and easily from our app.

Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion. Mobile app criteria applies.

Should you borrow?

Spending and Budget Tracker

Get on top of things by keeping track of where each penny goes in our app. Then set a budget to better manage that money. Eligibility criteria applies.

Savings goal tool

Keep your eye on the prize by setting up a savings goal (or two) in our app. It helps current customers know how much to save each month. Eligibility criteria applies.

Didn’t find what you were looking for?

Explore all borrowing options Start over

Your help options

Here are the results that best match your answers.

Know your credit score

You can now check your credit score quickly and easily from our app.

Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion. Mobile app criteria applies.

Other help

Missed a payment?

The sooner you let us know you’re struggling to pay off your overdraft, the sooner we can try to help you sort things out.

Help with cost of living

Times are tough - you’re not alone if you’re feeling the pressure. Discover ideas that could make you feel more in control and help your money go further.

Struggling financially

Sometimes people struggle financially and it can be difficult to ask for support. We’re here to help and give you extra support.

Free support & advice

If you’re having money troubles, as well as speaking to us, you can get free, independent advice from helpful organisations and charities.

Didn’t find what you were looking for?

Explore all borrowing options Start over

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.

Your borrowing options

Scroll through this page to see all the results that best match your answers. 

They’re not in any order of priority, and you may find that other borrowing options suit your needs better.