A loan to help you borrow £1,000 - £50,000
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
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 you ready to apply
We just need to run a few things past you before you start your application.
To apply online, you must:
be at least 18 years old and a UK resident
hold either a Royal Bank of Scotland current account (for at least 3 months), credit card or mortgage (for at least 6 months)
have not been declared bankrupt in the last 6 years
have not completed a personal loan application with us within the last 28 days