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Find a loan to bring your plans to life

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.

Quick, simple, highly rated loans with Royal Bank of Scotland

Get a quote with no impact on your credit score

If you have a Royal Bank of Scotland current account and you're looking for a sole loan, in most cases we’ll confirm the loan amount and rate at the start of your application with no impact on your credit score.

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Apply in minutes

It can take as little as 10 minutes to apply for a Royal Bank of Scotland loan online. We'll ask you to log in to Digital Banking so have your details handy.  We will also pre-fill some of your details to make the journey easier.

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Get you money on the same day

You could get your loan funds on the same day if you apply online before 5.45pm Monday to Friday (excluding bank holidays).  Sometimes we may need to contact you for a little more information, so it can take a little longer.

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Highly rated by independent bodies

We've been independently rated 5 stars for our 'Unsecured Personal Loan' by:

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Loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years. 

Representative 50  APR

The Representative APR changes based on the amount you borrow. 

You want to repay it over

20 Months

Representative Example:

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

Interest p/a (fixed)

3.9

%

The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

Get a free personalised quote

Find out if you're likely to be approved for a loan and get your personalised rate at the start of your application. It only takes a few moments and there's no impact on your credit score.

Loan repayment terms

This is the length of time you can take a loan over, depending on the amount you're borrowing and what it will be used for.

You can borrow for more than one purpose on the same loan. For example should you be looking to consolidate debt and do some home improvements you can do this under the one loan application. Your loan purpose should be selected as the purpose that will make up at least 50% of the borrowing purpose. Should you be borrowing for multiple purposes and no element makes up more than 50% of the borrowing then the loan purpose should be your largest expenditure of the funds.

Take out a joint loan

Joint personal loans

Work together to get where you need to be with a joint loan

  • Borrow money with someone close, such as a relative, partner or friend
  • You could use the money for a shared project or special event
  • Work at repaying the loan together 
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Already have a loan with us?

Top up an existing loan

If you already have a loan with us but need to borrow more, we may be able to help.

Manage your existing loan

Manage your loan online and find out more about making extra payment, paying off your loan, and more.

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • Are 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months)
  • Have not been declared bankrupt in the last 6 years
  • Have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

Ready to apply?

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute.

What device are you using?
Are you using your mobile, or something else, to apply for a loan?
Is our app on the device you’re using right now?
The Royal Bank of Scotland app is the easiest way for you to apply for a loan. Do you have it on this device?
Are you applying on your own?

Great, let's get started

Just a heads up - you'll be asked to log into the Royal Bank of Scotland mobile app to start your loan application.

You're about to start your application so just a heads up:

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a Royal Bank of Scotland current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days.
  • you'll be asked to log into the Royal Bank of Scotland mobile app to start your loan application.

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

Do you have Royal Bank of Scotland digital banking?
If you know your digital banking details we can pre-fill some of your info - making the application process faster.
Are you applying on your own?

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Digital Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Digital Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for digtial banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland Debit Card, if you have one.

Do you have Digital Banking?
Got Digital Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.
Are you applying on your own?

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Digital Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Digital Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotlan debit card, if you have one.

Anything else we can help you with?