Loans | Royal Bank of Scotland Private

Man and woman having breakfast

Loans

Fast, flexible loans, tailored to you

Apply now
Apply for a loan

Borrowing between £1,000 and £25,000?

Apply online today for a decision in minutes.

Apply online now

 

Borrowing more than £25,000?

Get in touch today and your Private Banking Manager will work with you to understand your needs and help you through the process.

Existing customers with a Private Banking Manager
Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398
Existing customers without a Private Banking Manager  Telephone 03457 24 24 24
International +44 131 549 8888
Minicom 0800 404 6160
New customers Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398 


Eligibility criteria

Royal Bank of Scotland Private is available to all customers with a sole income of at least £100,000 paid into their Royal Bank of Scotland account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

Our lowest ever Representative 3.9% APR  for loans of £7,500 to £25,000.

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Over 18s and existing Royal Bank of Scotland current account customers only.

Loans Help with your borrowing needs

Whatever your goal – a new car, a new kitchen, or anything else, a Royal Bank of Scotland personal loan could help.

Loans between £1000 and £25,000

If you’d like to borrow between £1000 and £25,000, apply online and get a decision in minutes. You can also get an indication of whether we can help with your loan before you apply with no impact on your credit rating.  

Quick Quote Apply now

Loans over £25,000

As a Royal Bank of Scotland Private customer, if you’re looking to borrow a larger amount, your Private Banking Manager will work with you to understand your needs and help you through the process.

Arrange to speak to your Private Banking Manager
NatWest Private Team Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. You can call our dedicated telephony team who can book an appointment for you.

   

Customers with Private Banking Managers

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

Customers without Private Banking Managers

Telephone 03457 24 24 24
International +44 131 549 8888
Minicom 0800 404 6160

Your borrowing options

Find out what you can borrow using our personalised quotes, and use our loans calculator to see what your interest rate and monthly payments could be. If you’re unsure or undecided, our borrowing needs tool can help you compare your borrowing options. 

More about our loans
Already have a loan with us?

You can now stay in control of your existing loan. Request your final settlement amount, find out if you can borrow more, make an additional loan payment, change your payment date and find out the interest rate you're paying on your loan.

Manage your loan
Loans Get in touch

Your Private Banking Manager will have given you their mobile number to call, or our Private 24 team can arrange an appointment.

Private Banking Manager
NatWest Private Team Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. You can call our dedicated telephony team who can book an appointment for you.

   

Customers with Private Banking Managers

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

Customers without Private Banking Managers

Telephone 03457 24 24 24
International +44 131 549 8888
Minicom 0800 404 6160

For expert banking support call your Private Banking Manager anytime. They'll have the latest exclusive offers and will be happy to meet whenever and wherever suits.

Contact your Private Banking Manager
NatWest Private Team Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. You can call our dedicated telephony team who can book an appointment for you.

   

Customers with Private Banking Managers

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

Customers without Private Banking Managers

Telephone 03457 24 24 24
International +44 131 549 8888
Minicom 0800 404 6160

24/7 telephony service
NatWest Private Team Telephone banking

Wherever you are – home or abroad – call our dedicated telephone banking team (Private 24) at any time, day or night. They can help you with several things including:

  • Transfers, payments and international payments;
  • Balances and up-to-the-minute statements;
  • Managing your Direct Debits and standing orders;
  • Arranging a free Financial Health Check; and
  • Booking an appointment with your Private Banking Manager.  

Customers with Private Banking Managers

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

Customers without Private Banking Managers

Telephone 03457 24 24 24
International +44 131 549 8888
Minicom 0800 404 6160

  
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

Speak to our UK-based team anytime. Reach them directly (no automated telephone system) and you’ll only be transferred if it’s absolutely necessary.

Call us
NatWest Private Team Telephone banking

Wherever you are – home or abroad – call our dedicated telephone banking team (Private 24) at any time, day or night. They can help you with several things including:

  • Transfers, payments and international payments;
  • Balances and up-to-the-minute statements;
  • Managing your Direct Debits and standing orders;
  • Arranging a free Financial Health Check; and
  • Booking an appointment with your Private Banking Manager.  

Customers with Private Banking Managers

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

Customers without Private Banking Managers

Telephone 03457 24 24 24
International +44 131 549 8888
Minicom 0800 404 6160

  
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

Dedicated WebChat service
NatWest Private Team Chat with our team online

Our dedicated WebChat team is on hand 24/7, to help you. They can help you with things like:

  • Real-time balances and up-to-the-minute statements;
  • Online banking and the mobile app;
  • Instant transfers between your Royal Bank of Scotland accounts, paying bills and making payments;
  • Managing Direct Debits and standing orders; and
  • Arranging a free Financial Health Check with your Private Banking Manager.  

 
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

View MyRewards

Have an urgent question? Our team can help you with account queries, book an appointment with your Private Banking Manager and more.

Chat now
NatWest Private Team Chat with our team online

Our dedicated WebChat team is on hand 24/7, to help you. They can help you with things like:

  • Real-time balances and up-to-the-minute statements;
  • Online banking and the mobile app;
  • Instant transfers between your Royal Bank of Scotland accounts, paying bills and making payments;
  • Managing Direct Debits and standing orders; and
  • Arranging a free Financial Health Check with your Private Banking Manager.  

 
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

Add your signposting title here… A Word in Private

Keep up to date with insightful articles from industry experts

Get your finances in shape

NatWest Private How can we help you?
Apply now
Apply for a loan

Borrowing between £1,000 and £25,000?

Apply online today for a decision in minutes.

Apply online now

 

Borrowing more than £25,000?

Get in touch today and your Private Banking Manager will work with you to understand your needs and help you through the process.

Existing customers with a Private Banking Manager
Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398
Existing customers without a Private Banking Manager  Telephone 03457 24 24 24
International +44 131 549 8888
Minicom 0800 404 6160
New customers Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398 


Eligibility criteria

Royal Bank of Scotland Private is available to all customers with a sole income of at least £100,000 paid into their Royal Bank of Scotland account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

Set Tab for lightbox