Apply now important information | Personal loans | Royal Bank

Apply for a personal loan with Royal Bank

You can apply for a personal loan if:

You're 18 or over and have either a Royal Bank current account (held for 3+ months), credit card or mortgage (held for 6+ months) 

You are a UK resident

You haven't been declared bankrupt in the last 6 years

Your loan request is for an acceptable purpose. Check here for unacceptable loan purposes

You haven't applied for a personal loan with us within the last 28 days


Representative Example

Borrowing £7,500.00 over 5 years at Representative 3.4% APR and Interest rate 3.40% p.a. (Fixed) will cost £135.92 per month, with a total amount payable of £8,155.20.

Our current Representative APR's

Representative 24.9% APR for loans of £1,000 - £2,950
Representative 19.9% APR for loans of £3,000 - £4,950
Representative 7.9% APR for loans of £5,000 - £7,450
Representative 3.4% APR for loans of £7,500 - £19,950
Representative 3.9% APR for loans of £20,000 - £25,000
Representative 6.2% APR for loans of £25,050 - £35,000
Representative 6.9% APR for loans of £35,050 - £50,000

The Representative Example applies to loans of £7,500 - £19,950 only. See above for the Representative APRs that apply for available loan amounts. Our interest rates depend on your circumstances & may differ from the Representative APR shown for a particular loan amount.

Before applying, please read our lending commitments, which outline our responsibilities and what we ask of you when borrowing from us.

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.

If you're an existing Digital Banking customer we will pre-fill your application saving you time.

Want to get a quote before you apply?


Find out if you're likely to be approved and view your personalised interest rate and repayment details - in just 2 minutes. There's no impact on your credit rating.

The Royal Bank of Scotland plc, registered in Scotland no. 83026. Registered office: 36 St Andrew Square, Edinburgh, EH2 2YB.

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