You could get your money today if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.
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Top up your loan
Want to borrow more? Apply for a top-up loan.
Representative 6.6% APR
This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.
To apply for a loan you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
Try our personal loan calculator
Representative Example
Borrowing
£10,000
Over
60 Months
Monthly Repayment
£195.24
Total Repayment
£11,714.40
Representative
6.6
% APR
(Annual Percentage Rate)
Interest rate
6.60
% p.a
(Fixed)
The rate you pay depends on your circumstances, loan amount and term 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.
How long could you borrow for?
You could pay back your loan over one to 10 years – it depends how much you’re borrowing and what you’re borrowing for.
Option 1: Replace your existing loan(s)
- Get one bigger loan that pays off your existing Royal Bank loan(s) - and gives you the extra money you need.
- You'll have just one fixed-rate loan payment, so it's easy to manage.
- You'll have a new interest rate, which might be more than the interest on your existing loan.
- You'll need to pay an early repayment fee. This will be included in the amount needed to pay off your old loan.
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Option 2: Apply for a separate loan
- You'll keep your existing Royal Bank loan – which will stay the same, with the same interest rate.
- Then apply for a second Royal Bank loan for any additional borrowing you want.
- Each loan will have its own interest rate and a different number of years to pay it back over.
Information Message
How to get your top up loan
1. Get your personalised quote
See if we're likely to say 'yes' before you apply. A quote takes minutes and won't affect your credit score.
Take a break with a 3-month repayment holiday
- At the start of your application, we'll give you a quote. This might include the option to take a repayment holiday.
- You could then choose to delay your first payment by 3 months.
- You'll need to say if you want to take a repayment holiday before you start your loan.
If you take a loan repayment holiday, your loan will take longer to pay back. You'll also have to pay back more each month - so your loan will cost more. This is because we charge interest during your loan holiday.
It's easy to manage your loan
We make it easy to manage your loan, so you're in control:
Pay us back early, if you want
You'll just need to pay a fee.
Make overpayments
Chip away at your balance as and when you can.
Use our quick and simple app
Everything you need in one place.
Change your payment date
Just give us a call and we’ll update your Direct Debit.
It's easy to manage your loan
We make it easy to manage your loan, so you're in control:
Pay us back early, if you want
You'll just need to pay a fee.
Make overpayments
Chip away at your balance as and when you can.
Use our quick and simple app
Everything you need in one place.
Change your payment date
Just give us a call and we’ll update your Direct Debit.
