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Try our loan calculator

Ready for a loan with Royal Bank of Scotland? Try our Loan Calculator

How much could you borrow? And what could it cost you? Have a play with our loan calculator to get an idea. 

Information Message

Get an instant estimate with no impact to your credit score

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. 

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. 

Ready to apply? Okay, 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. 

We'll start with a free quote - this won't hurt your credit score

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.

To apply online, you'll need to:

  • Be 18+, a UK resident and have had a current account with us for at least three months.
  • Not have been declared bankrupt in the last six years.
  • Not have applied for a loan with us in the last 28 days.

 

All good? Here's a bit more info to read:

Are you applying on your own?

Great, let's get started!

Just so you know, you can only apply if you have two loans or fewer with us. 

More than two loans? You'll need to pay one off before you apply.

A quick heads-up before you apply...

To apply for a joint loan applicants must both:

  • Be 18+ and a UK resident.
  • Have your own mobile number and email address.
  • Have had a Royal Bank of Scotland current account for 3 months+.
  • Not have been declared bankrupt in the last 6 years.
  • Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

  • Both your addresses.
  • Both your incomes and outgoings (how much you spend).