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Managing your loan repayments

How can we help?

Managing your loan repayments

Need help with your loan?

We are here to help you with your loan. If there's anything you need help with, please get in touch.

Make an overpayment

You can make overpayments to your loan at any time and this could shorten your loan term. Before you do this, we recommend that you contact us to discuss the impact of the extra payment before you make it.

Get in touch

Managing your loan

Make an overpayment

You can make overpayments at any time and this could shorten your loan term.

For loans applied for from 15 November 2010 we charge:
- 58 days interest if the remaining loan term is more than 12 months
- 28 days if the remaining loan term is 12 months or less
-  The remaining number of days interest if there are less than 58 days (or 28 days) left in the loan term
- Interest is charged on the amount by which your outstanding balance is reduced

We recommend you contact our Lending Team or visit your local branch if you would like to discuss the impact of the overpayment before you make it.

If you bank online:

You can set up a New Payee to make additional payments into your loan. You may be asked to use your card-reader when setting up a new payee. You can order your card-reader from within your Online Banking service.

You will receive a letter confirming the change to your loan.

Call our lending team on
0845 366 5507

Minicom
0800 404 6160

Lines open
Monday to Friday 8am-8pm,
Saturdays 9am-4pm
(excluding public holidays)
Calls may be recorded

 

Change your loan details

To change your personal details, the date your loan repayment is paid or the bank account that your loan is paid from, please get in touch and one of our lending team will be able to help you.

Update details

Managing your loan

Changing your details

Our lending team can help you to change your monthly repayment date or the bank account your loan is paid from or you can visit your local branch.

Call our lending team on
0845 366 5507

Minicom
0800 404 6160

Lines open
Monday to Friday 8am-8pm,
Saturdays 9am-4pm
(excluding public holidays)
Calls may be recorded.

If you need to change the name or address related to your loan, there are numerous ways that you can let us know.  Find out the method that suits you here.

Get help with your repayment

If you are struggling to make your loan payment, please contact us as soon as you can. We have specialist teams who can offer you guidance and help.

How we can help

Get in touch

Call us for help today

If you might miss your next loan re-payment:
Local rate number - 0345 301 5432
Minicom 0800 404 6160
Lines are open: Mon to Fri 9am-5pm, Saturdays & Bank Holidays 9am-2pm, Closed on Sunday.
Calls may be recorded. 

If you’ve already missed a loan re-payment:
Local rate number - 0345 300 8436
Minicom 0800 404 6160
Lines are open: Mon to Fri 8am-9pm, Saturdays 9am-5pm & Bank Holidays 10am-5pm.
Calls may be recorded. 

If you’re worried about your financial situation in general:
Local rate number - 0345 301 5432
Minicom 0800 404 6160
Lines are open: Mon to Fri 8am-5pm and Bank Holidays 9am-1pm, closed on Saturday and Sunday.
Calls may be recorded. 

To see how else RBS can help you to manage your money, visit our Managing your Money section.

Visit Managing your Money

Borrow more from us

If are thinking of borrowing more from us, we will ask if you want to keep or close your old loan during the application process. We have borrowing options that could suit your needs.

Find out more
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Repaying your loan

Trouble making your loan repayments?

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

Get in touch

Get in touch

Call us for help today

If you might miss your next loan re-payment:
Local rate number - 0345 301 5432
Minicom 0800 404 6160
Lines are open: Mon to Fri 9am-5pm, Saturdays & Bank Holidays 9am-2pm, Closed on Sunday.
Calls may be recorded. 

If you’ve already missed a loan re-payment:
Local rate number - 0345 300 8436
Minicom 0800 404 6160
Lines are open: Mon to Fri 8am-9pm, Saturdays 9am-5pm & Bank Holidays 10am-5pm.
Calls may be recorded. 

If you’re worried about your financial situation in general:
Local rate number - 0345 301 5432
Minicom 0800 404 6160
Lines are open: Mon to Fri 8am-5pm and Bank Holidays 9am-1pm, closed on Saturday and Sunday.
Calls may be recorded. 

To see how else RBS can help you to manage your money, visit our Managing your Money section.

Visit Managing your Money

Managing your loan

Keeping within budget

Using our handy budget calculator can help you keep your finances on track so that you can stay on track with your loan repayments - and maybe even help you to work out your potential to save!

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Managing your loan repayments

Help to manage your money

We know that staying on track and with your finances so that you can plan for your future can be tricky. Use our Money Help page for hints that might help and useful information from the Money Advice Service. We're here to help you to stay in control.

Visit Money Help
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