Find a loan to bring your
plans to life

Representative 3.4% APR

Loans from £1,000 to £50,000

To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

Getting a Personal Loan

Borrowing money is a big decision. But with our personal loans, it needn't give you a headache.
  • Our loan calculator helps you figure out the best loan for you
  • See how likely you are to be approved without affecting your credit rating
  • You could get a decision online in minutes
  • If you use Digital Banking, we can pre-fill parts of your application to speed things up

Reasons to take out a loan

Buying a car

A loan could help you get the car you've been dreaming of.

Improving your home

Bring your vision to life with our home improvement loan.

Consolidating debt

Make life simpler by organising your finances in to one monthly payment.

Getting married

Have everything in place for a truly memorable day.

Going on holiday

A helping hand to get you to your dream destination.

Top up an existing loan

Borrowing more

If you already have a loan with us but need to borrow more, we may be able to help. You could...
  • Open a new loan and keep your existing one
  • Replace your existing loan with a larger one

Helpful tools

Loan calculator

Try our calculator with no impact on your credit rating. Based on your borrowing needs, we can estimate your potential monthly repayments and representative APR.

Quick Quote tool

Use our Quick Quote to find out how much you may be able to borrow, your indicative personal APR and monthly payments. There’s no impact on your credit rating.

Borrowing needs tool

Our tool can help you decide whether a credit card, loan or overdraft is the most suitable borrowing option for your individual needs and circumstances.

Already have a loan with us?

You can now manage your loan online, and do things like request your final settlement amount, make an extra loan payment or check your interest rate.

Helpful information

You can use a personal loan for things such as:

  • Buying a new or used car 
  • Consolidating your debt 
  • Making home improvements 
  • Paying for a wedding 
  • Going on holiday

If you use Digital Banking, apply and have your loan unconditionally accepted before 5.55pm Mon - Thurs, the funds will be paid into your account the next working day. Sometimes we'll need to contact you for more information so it takes a little longer.

Having a good credit history, paying bills on time, not missing payments and not applying for credit regularly will all help give you a good score. 

You can manage your bank account in a way which will help to improve your credit score. This means that further down the line you may then be able to successfully take out the product you originally applied for. 

Each lender has it's own system, but generally these things can improve your score: 

  • Being in the same job for a long time 
  • Owning your home 
  • Having lived at the same address for a while (more than a year)
  • Keeping your address records current 
  • Being on the electoral roll 
  • Cancelling unused credit and store cards 
  • Reducing your debts with savings 
  • Paying for insurance up front rather than monthly 

What type of borrowing is right for me?

Depending on what you need money for, a credit card or overdraft might be a better option than a loan. Our Borrowing Options tool could help you figure out what type of lending is best for you. 

Anything else we can help you with?

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