Couple on the sofa researching information about borrowing more on a loan

Borrowing more

Already have a loan and want to borrow more?

Apply now Personalised loan quote - no impact on your credit rating

Our best ever Representative 4.9% APR for loans of £7,500 to £14,950. Other amounts available at alternative rates.
Over 18s and existing RBS current accounts customers only.

Borrowing options

Thinking of borrowing more?

When you apply for a new loan, we'll ask if you want to keep or close your old loan during the application process.
Things to bear in mind:

Option 1: Open a new loan and run two side-by-side.

Flexible borrowing options:

 - Loans of £1,000 to £14,950 can be repaid over a maximum of 5 years
 - Loans from £15,000 to £25,000 can be repaid over a maximum of 7 years

Option 2: Replace your existing loan with a new loan for a larger amount.


- Home improvement loans over £2,500 can be repaid over a maximum of 10 years
- The minimum loan term is 1 year, irrespective of loan amount

Personalised loan quote

Find out if you are likely to be accepted for a loan

No impact on your credit rating

View your personalised interest rate and monthly payments

Find out how much you may be able to borrow

If you choose to apply, additional checks (including a full credit check) may be carried out and this may affect our decision. 


Find out if you could get a loan


Personal loans

Here's why an RBS loan might be right for you.

Borrow between £1k and £25k

£1,000 - £14,950 repay over 1 to 5 years, £15,000 -£25,000 over up to 7 years. Home improvement loans over £2,500 repay over up to 10 years.

Funds next working day

If you use Digital Banking, apply before 5.55pm Mon-Thur & have your loan unconditionally accepted. Sometimes we'll need to contact you for more information so it takes a little longer.

Apply online and get your decision in minutes

Bank with us online? We can pre-fill your application, saving you time.

Personal loans

Ready to apply?

Apply now
Set Tab for lightbox