Top up your loan

Need to borrow
a little extra?

Representative 3.9% APR

Topping up your personal loan

  • Topping up your Royal Bank of Scotland loan could be a good option if your thinking about borrowing more money.
  • When you top up a loan, we don't actually add money to it. We use the new amount you've borrowed to pay off your existing loan and open a new loan.
  • You also have the option to open a second loan with us instead and run the two side by side.

Remember, if you decide to borrow over a longer term, this could mean that you'll pay more interest overall.

How to borrow 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, you have two options.

Option 1 - Replace your existing loan with a new loan for a larger amount

How does this work?

Apply for the total amount of money you need to pay off your existing loan plus any additional funds you require.


Things to remember

  • Your new loan will be used to pay off and close down your existing loan. The remaining balance will be given to you.
  • There will be an early repayment charge to pay off your existing loan early.
  • Your extra borrowing will be repaid at a new interest rate.
  • You can only pay off a loan if it has more than one repayment left to be made.
  • If you cancel your new loan within the 14 day cancellation period, we're under no obligation to re-instate your old loan. We could offer you a new loan for the amount of your old loan at the current interest rate.

Option 2 - Open a new loan and run them side-by-side

How does this work?

Start an application and apply for the loan amount you need. Your old loan will remain open and continue to be repaid at its current interest rate. 

Things to remember

  • Your existing loan will remain as it is.
  • Your new loan will be paid at the agreed interest rate.
  • Closing a loan early would incur an early repayment charge, you'll avoid this by keeping your loan open.

Loan repayment terms

This is the length of time you can take a loan over, depending on the amount you're borrowing and what it will be used for.

Loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

How long would you like to repay?

20 Months

Representative Example




0 months

Monthly Repayment


Total Repayment





(Annual Percentage Rate)
Interest rate


% p.a


The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator. 

What is APR?

Unsure about APR? Take a few minutes to read our helpful guide.

Find a little flexibility with our repayment holiday

When you apply for a loan, based on your circumstances, we might give you the opportunity to defer your first repayment. 

  • It's only available at the start of your loan term
  • You can defer your first loan repayment for a three month period
  • If this option is available to you, we'll show the details of your repayment holiday during the quote stage of your application

Applying for a loan online

How to apply online

Start your application and get a quote

If you're a Royal Bank of Scotland current account customer, in most cases we'll confirm your loan amount and rate and the start of your application. Great news, there's no impact on your credit score.

Apply online in just a few minutes

It takes around 10 minutes to apply online. We'll ask you to log in to digital banking so have your log in details handy. This helps us pre-fill some of your application, making it easier for you.

See money in your account the same day

If you apply online and are unconditionally accepted before 5.45 Mon - Fri, you could get your loan funds the same day. Sometimes we need a wee bit more information so it can take a little longer.

Mobile app features

Manage your loan in the mobile app

Know your credit score

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

Ready to apply?

Do you have Royal Bank of Scotland digital banking?
If you know your digital banking details we can pre-fill some of your information - making the application process faster.
Are you applying on your own?

Great, let's get started!

Just a heads up - you'll need your Digital Banking login details at the next step.

Great, log in to get started!

Just a heads up – you’ll need your digital banking log in details at the next step.

Let’s get you signed up for Digital Banking

You’ll need to sign up for digital banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland Debit Card, if you have one.


Once you’ve registered, select ‘next’ to log in and apply for a loan.

Are you applying on your own?

Fantastic, you're all set!

Just a heads up – you’ll need your digital banking log in details at the next step.

Fantastic, you're all set!

Just a heads up – you’ll need your digital banking log in details at the next step.

Anything else we can help you with?