Your borrowing options


Your borrowing options

Need to borrow money but not sure which product might be right for you? Find out more about the different borrowing options that we have available below.

A personal loan could help with your borrowing needs


Available to over 18s and existing Royal Bank current account customers only.

Put your plans into action

A personal loan from Royal Bank of Scotland lets you borrow between £1,000 and £25,000 over a term of up to 10 years (depending on loan purpose). With a personal loan you'll know exactly how long it will take to repay and your monthly repayments are fixed for the term of the loan.


Find out more and apply

Representative Example: 
Borrowing £7,500.00 over 5 years at Representative 3.9% APR and Interest rate 3.90% p.a. (Fixed) will cost £137.55 per month, with a total amount payable of £8,253.00

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

An overdraft for a little breathing space


Overdrafts can give you a little extra flexibility with managing your finances.

If you withdraw more money than you have in your bank account, the extra money you take out after your bank balance reaches zero is called an overdraft.

An arranged overdraft is an overdraft that we’ve approved for you, and you can borrow up to that limit. We’ll only charge you interest and/or fees if you actually use it. Depending on the type of current account you have, the fees and any interest-free threshold will differ.

Find out more and apply

Arranged overdrafts are only available to eligible customers with a Royal Bank current account, aged 18 or over.

Paying a high interest rate on your credit card?


To apply you need to be UK Resident, aged over 18 and earn at least £10,000.

At Royal Bank of Scotland we have a range of credit cards to meet your everyday needs. Our range includes reward credit cards and a simple balance transfer card. 

Are you looking to transfer your current credit card balance? The good news is we will never charge you a balance transfer fee!

Click below to find out if we have a credit card that's right for you.

Find out more and apply
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