Improving your home

Bring your vision to life with
our home improvement loan

Representative 3.9% APR

Taking out a home improvement loan

If you're looking to spruce things up with some DIY, our home improvement loan could help

You'll get a personalised quote at the start of your application before deciding if you want to complete your application

In most cases, you could get your loan on the same day if you use Digital Banking, apply and are unconditionally accepted before 5.45pm Mon - Fri

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.

Home Improvement loan calculator

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

How much would you like to borrow?

How long would you like to repay?

20 Months

Representative Example




0 months

Monthly Repayment


Total Repayment





(Annual Percentage Rate)
Interest rate


% p.a


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. 

A handy explanation of APR

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!

Just a heads up – you’ll need your digital banking log in details at the next step.

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!

Just a heads up – you’ll need your digital banking log in details at the next step.

Anything else we can help you with?