About our Royal Bank of Scotland holiday loans
We all deserve to have a break, whether it’s a trip of a lifetime, a relaxing getaway or a family visit abroad. You could use a holiday loan to help you get to your dream destination and pay it over time.
See how much you could borrow
Use our loan calculator to decide how much you want to borrow for your holiday, how long you'll need to pay it off and what the Representative APR rate is.
Get a personalised quote for a holiday loan
We’ll confirm your loan amount and rate at the start of your application with no harm to your credit rating. All this if you have a Royal Bank current account and you're applying for a sole loan.
Have your money on the same day
You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon-Fri.
Sometimes we need to contact you for more information, so it can take a little longer.
To apply for a loan online, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
Holiday loan repayment terms
Holiday loan 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.
Find a little flexibility with our repayment holiday
When you apply for a loan, based on your circumstances, we might give you the opportunity to defer your first repayment.
- It's only available at the start of your loan term
- You can defer your first loan repayment for a three month period
- If this option is available to you, we'll show the details of your repayment holiday during the quote stage of your application
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