A helping hand to get you to your dream destination
Representative 3.9% APR
About our personal loans
You can apply online or via our app and get a decision in minutes*
You'll be given a personalised rate depending on your circumstances and how much you want to borrow
You can repay your loan early. Repayment charges apply**
You could have the funds the next working day if you use Digital Banking, apply and are unconditionally accepted before 5.55pm Monday - Thursday
To apply, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
Please note, our minimum loan term is 2 years. You can apply to use a loan for a holiday but please ensure you have considered all borrowing options available to you.
*Mobile app available to customers with Digital Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.
**If you repay your existing loan early, you'll pay 58 days interest (28 days if loan term 12 months or less, or the remaining number of days interest if there are less than 58 days (or 28 days) left in the loan term) to close the old loan early.
Loan repayment terms
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
Get a decision
Money in your account
Find out if you're likely to be approved
Don't worry, there's no impact on your credit rating.
If you meet our eligibility criteria, we'll show you how much you may be able to borrow, your personalised interest rate and monthly payments.
If you're approaching retirement, please call us or visit a branch rather than using this tool.
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 will help you figure out what type of lending will suit you best.
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