To apply, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
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.
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.
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.
Highly rated by independent bodies
We've been independently rated 5 stars for our 'Unsecured Personal Loan' by:
- Moneyfacts in 2021, 2022 and 2023
- Defaqto in 2021, 2022 and 2023
Loan calculator
Representative Example:
£7,500
0 months
£137.55
£8,253.00
3.9
% APR
3.9
%
The rate you pay depends on your circumstances and loan amount, 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.
The rate you pay depends on your circumstances and loan amount, 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.
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.
Buy a car
Improve home
Consolidate debt
Get married
Go on holiday

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