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Loan Repayment

Help with financial difficulties

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.

Are you experiencing difficulty paying your loan?

If you're experiencing difficulty please contact us now! It's important you take action as soon as possible. We have specialised teams who can offer guidance and may even be able to defer or reschedule loan re-payments.

You might miss your next loan re-payment:
Local rate number - 0345 301 5432
Lines are open: Mon to Fri 9am-5pm, Saturdays & Bank Holidays 9am-2pm, Closed on Sunday.
Calls may be recorded. Minicom 0800 404 6161.

If you’ve already missed a loan re-payment:
Local rate number - 0345 300 8436
Lines are open: Mon to Fri 8am-9pm, Saturdays 9am-5pm & Bank Holidays 10am-5pm.
Calls may be recorded. Minicom 0800 404 6161.

You’re worried about your financial situation in general:
Local rate number - 0345 301 5432
Lines are open: Mon to Fri 8am-5pm and Bank Holidays 9am-1pm, Closed on Saturday and Sunday.
Calls may be recorded. Minicom 0800 404 6161.

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The Money Advice Service, provides free impartial independent advice and information on how to manage your money better. Clicking on the links to the tools and guides below will take you to the Money Advice Service website where you will have access to all of their information.  

Helpful tools

Useful tools from the Money Advice Service

Find out how to plan your budget.

Use the quick and easy debt health check to find out if you need to take action to reduce your debts.

Use the cut back calculator to find out how you can make savings on things that you buy regularly.

See your money priorities, and get a plan that helps you meet your money goals with the Money Health Check

Debt consolidation loans

Debt consolidation - helpful tips


An RBS loan for debt consolidation could help by:

  • lowering your monthly re-payments or interest rate
  • paying off your debts faster
  • creating a single monthly payment

Taking on any new debt is a big decision. Extending the term of your debt can incur more interest and cost more in the long run, and an Early Repayment Charge may apply.

Find out more about RBS debt consolidation loans
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