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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.
Option 1: Replace your existing loan(s)
- Get one bigger loan that pays off your existing Royal Bank of Scotland loan(s) - and gives you the extra money you need.
- You'll have just one fixed-rate loan payment, so it's easy to manage.
- You'll have a new interest rate, which might be more than the interest on your existing loan.
- You'll need to pay an early repayment fee. This will be included in the amount needed to pay off your old loan.
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Option 2: Apply for a separate loan
- You'll keep your existing Royal Bank of Scotland loan – which will stay the same, with the same interest rate.
- Then apply for a second Royal Bank of Scotland loan for any additional borrowing you want.
- Each loan will have its own interest rate and a different number of years to pay it back over.
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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: