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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
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.
*Mobile app available to Digital Banking customers with a UK or international mobile number in specific countries.
**If you repay your existing loan early, you'll pay 58 days interest (or the remaining number of days interest if there are less than 58 days left in the loan term) to close the old loan early.
Loan repayment terms
A handy explanation of APR
Start 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.
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, static caravan 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
Are you ready to carry on?
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, static caravan 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
