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Borrow between £7,500 and £19,950 at our rate of
Representative 3.4% APR
Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.
Give your house a makeover with a Royal Bank home improvement loan
Borrow between £1k and £50k
£1,000-£7,450 repay over 2-5 years. Home improvement loans of £7,500 or more can be repaid over 2-10 years.
Borrow for a range of purposes
Can be used for various projects such as a loft conversion, a new conservatory, replacement windows/doors, extension to property, central heating system, new kitchen or new bathroom.
Funds next working day
If you use Digital Banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted. Sometimes we'll need to contact you for more information so it takes a little longer.
Use our loan calculator to work out the best loan for you
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.
New TickWe'll show you how much you may be able to borrow
New TickView your personalised interest rate and monthly payments
New TickThere's no impact on your credit rating
Whether you're just starting to think about improving your home or have started planning, our home improvement guide includes some helpful tools and top tips. You can even share your own home improvement experience.