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Getting a loan and paying us back...
Check your eligibility before you apply
1. Start with a quote
Find out how much you could borrow and the cost. It won't hurt your credit score.
2. Complete your application online
You need:
- Your addresses for the last 3 years.
- Your income, spending and employment info.
After you know how much you can borrow, it’s up to you if you want to apply.
3. Get your cash in your account
You could get your money today – if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.
You could borrow from £1k to £50k
It depends how much you’re borrowing and what you’re borrowing for.
- Borrowing from £1,000 to £7,450? You’ll pay us back in 1 to 5 years.
- Borrowing for a holiday? You could borrow from £1,000 to £25,000: You'll pay us back in 1 to 5 years.
- Borrowing from £7,500 and £50,000? If it’s not for home improvements: You’ll pay us back in 1 to 8 years.
- Borrowing from £7,500 to £50,000? If it’s for home improvements: You’ll pay us back in 1 to 10 years.
3 popular ways to use a loan from us:
Let's start with a quote...
Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool.
At the start of your application, we'll say if you could get a loan and what it could cost. It’s then up to you if you want to go ahead.
How much you could borrow:
Had a current account with us for 3+ months?
You could borrow up to £50,000.
To apply online, you'll need to:
- Be 18+, a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
- Not have been declared bankrupt in the last six years.
- Not have applied for a loan with us in the last 28 days.
Okay? Here's a bit more to read: