Loan support
This page covers a range of options which may be applicable for customers in different circumstances. Please consider all the options carefully before applying for further support.
What to do when your repayment break is coming to an end
Before your repayment break ends, we'll send you details of what you need to do. Your payments will start again on your normal payment date.
- Be sure to go through your options carefully to work out which one is the best one for you, especially as some options will affect your credit file. Additionally, some options mean that you will pay more interest overall.
- If you can't afford to make your next payment, we can help in a number of ways, depending on whether the changes to your financial situation are temporary or more permanent.
Please note if you don't take any action, your new payments will resume on your regular payment date.
Premier customers
If you are a Premier customer please speak to your Premier Banking Manager.
Business customers
If you are a Business customer please see our dedicated coronavirus hub.
Options to consider
Apply for further temporary support
If your income has been temporarily affected by coronavirus and you're still concerned about making your next payment we are here to help.
App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers with a Royal Bank of Scotland account.
Long term repayment arrangement
If you already know your circumstances are unlikely to improve and you wouldn't be able to start repayments after a further repayment break, Cora your digital assistant can help you sort it.
Ask Cora via the 'Help' button in the bottom right corner of the page and quote 'payment holiday ending' in your message.
Independent support available
If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts.
Other independent organisations who can help
Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.
Money Advice Service
Free advice on debt, divorce/separation, setting up a new home, care & disability.
Stepchange Debt Charity
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.
Shelter
Free advice on housing, debt, benefits, eviction & homelessness.
National Debt Line
Free and confidential advice on debt.
Financial Conduct Authority (FCA)
Find out about the measures introduced to support you if you are experiencing a change in financial circumstances due to coronavirus (Covid-19).