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 Quote - with no impact on your credit rating

Representative 4.9% APR for loans of £7,500 to £14,950.
Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from Representative APR. 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

Loan Quick Quote

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

Provide us with a few details and we’ll give you an indication of whether we can help. 

No impact on your credit rating

Find out if you’re likely to be approved

Find out how much you may be able to borrow
View your personalised interest rate and monthly payments

Representative Example (what's this?)


Borrowing £7,500.00 over 5 years at Representative 4.9% APR and Interest rate 4.90% p.a. (Fixed) will cost £140.81 per month, with a total amount payable of £8,448.60.


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

Find out if an RBS loan might be right for you?

Borrow between £1k and £25k

£1k - £14,950 repay over 1 to 5 years, £15k -£25k over up to 7 years. Home improvement loans over £2.5k repay over up to 10 years.

Borrow for almost any purpose

Car loan? Home Improvement loan? Tidying your finances? You decide. 

No obligations 'Quick Quote'

Find out if you're likely to be approved and how much you could borrow - there's no impact on your credit rating. 

Apply online and get your decision in minutes

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



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. 

Affordable monthly repayments – fixed for the life of the loan

Your rate is fixed for the term of your loan.

Personal loans

Ready to apply?

Apply now
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