Overlay
Holiday Loans

A helping hand to get you to
your dream destination

Representative 3.4% APR

About our Royal Bank of Scotland holiday loans

We all deserve to have a break, whether it’s a trip of a lifetime, a relaxing getaway or a family visit abroad. You could use a holiday loan to  help you get to your dream destination and pay it over time.

See how much you could borrow

Use our loan calculator to decide how much you want to borrow for your holiday, how long you'll need to pay it off and what the Representative APR rate is.

Get a personalised quote for a holiday loan

We’ll confirm your loan amount and rate at the start of your application with no harm to your credit rating. All this if you have a Royal Bank current account and you're applying for a sole loan.

Have your money on the same day

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon-Fri.

Sometimes we need to contact you for more information, so it can take a little longer.

Holiday loan repayment terms

This is the length of time you can take a loan over, depending on the amount you're borrowing.

Holiday loan calculator

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

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years. 

Representative 50  APR

The Representative APR changes based on the amount you borrow. 

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% p.a.

(Fixed)

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.

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

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!

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - have a Royal Bank of Scotland current account (held for 3+ months)
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years
    - share a joint Royal Bank of Scotland savings, current account or mortgage
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Digital Banking log in details handy

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!

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - have a Royal Bank of Scotland current account (held for 3+ months)
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years
    - share a joint Royal Bank of Scotland savings, current account or mortgage
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Digital Banking log in details handy

Anything else we can help you with?