Improving your home

Bring your vision to life with
our home improvement loan

Representative 3.4% 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

Loan repayment terms

This is the length of time you can take a loan over, depending on the amount you're borrowing and what it will be used for.

Loan calculator

Is the loan for home improvements?

How much would you like to borrow?

Home improvement loans of £7,500 or more are available over an extended term of up to 10 years.
Borrowing amounts of £7,500 or more are available over an extended term of up to 8 years.

How long would you like to repay?

Representative Example

Borrowing

£7,500

Over

1 year and & 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)

A handy explanation of APR

APR stands for annual percentage rate of charge. When you see a representative APR, it means that over half of people who've taken out a loan of a particular size from that lender have been given this rate. 

All lenders advertise their loan rates in this way to help people compare across lenders. 

A few things to note about representative APRs: 

They include standard fees or costs associated with taking out a loan e.g. an arrangement fee.

They change depending on the loan amount. 

Just because a lender has a low or high representative APR, it doesn't mean they'll offer you the best rate. 

The rate you're offered won't necessarily be the same as the representative APR. 

Most lenders, including us, will offer you a personalised rate. This is called a personal APR. 

APR stands for annual percentage rate of charge. A personal APR is a rate that has been worked out especially for you based on things like how much you want to borrow, your financial situation and your credit history. Your personal APR may be different to the representative APR we advertise, and different lenders may offer you different APRs. 

If you already bank with us, you can find out your personal APR by using our Quick Quote tool. It'll tell you how likely you are to be approved, give you a personalised rate and show you what your monthly repayments could be. And all without affecting your credit rating. 

Next steps

Start your application

Use our Quick Quote tool to see how likely you are to be accepted for a loan or go straight to 'Ready to apply'.

Get a decision

In most cases you'll know in a matter of minutes if you've been accepted.

Money in your account

If you use Digital Banking, apply and have your loan unconditionally accepted before 5.55pm Mon - Thurs, the funds will be paid into your account the next working day.

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.

Ready to apply?

Great. Let's get started. Are you a...

To apply for a loan, you must:

Be at least 18 years old

Be a UK resident

Not have been declared bankrupt in the last 6 years

Be a Royal Bank of Scotland current account customer for at least 3 months

Not have applied for a personal loan with us within the last 28 days

Intend to use your loan for acceptable purposes

You can't take out a loan for...

  • Buying or putting down a deposit on a property or land
  • Household bills, rent or mortgage payments
  • Car tax
  • Business purposes
  • Payments in arrears
  • Tax avoidance arrangements 
  • Court or solicitors' fees
  • Gambling
  • Buying shares or other investment funds

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

Important information

We want you to be sure this loan is right for you. So before you carry on, please take a look at our lending commitments. They explain what you can expect from us and what we ask of you.

Are you ready to carry on?

Do you use Digital Banking?

So we can save you time by pre-filling parts of your application, please log in to your account.

Let's get started

To apply for a loan, you must:

Be at least 18 years old

Be a UK resident

Be a Royal Bank of Scotland credit card or mortgage customer for at least 6 months

Not have been declared bankrupt in the last 6 years

Not have applied for a personal loan with us within the last 28 days

Intend to use your loan for acceptable purposes

You can't take out a loan for...

  • Buying or putting down a deposit on a property or land
  • Household bills, rent or mortgage payments
  • Car tax
  • Business purposes
  • Payments in arrears
  • Tax avoidance arrangements 
  • Court or solicitors' fees
  • Gambling
  • Buying shares or other investment funds

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application

Important information

We want you to be sure this loan is right for you. So before you carry on, please take a look at our lending commitments. They explain what you can expect from us and what we ask of you.

Are you ready to carry on?

Do you use Digital Banking?

So we can save you time by pre-filling in parts of your application, please log in to your account.

Let's get started

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. 

Anything else we can help you with?

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