Loans

Find a loan to bring your
plans to life

Representative 3.4% APR

This rate is available on loans between £7,500 and £19,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

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Get a new loan

Reasons to take out a loan

Take out a joint loan

Top up an existing loan

Already have a loan with us?

Loan calculator

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Loans from £1,000 to £50,000

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.

Getting a Personal Loan

Borrowing money is a big decision. But with our personal loans, it needn't give you a headache.

Our loan calculator helps you figure out the best loan for you
See how likely you are to be approved without affecting your credit rating
You could get a decision online in minutes
We'll pre-fill parts of your application to speed things up

Find out more

Reasons to take out a loan

Buying a car

A loan could help you get the car you've been dreaming of.

Car loans

Improving your home

Bring your vision to life with our home improvement loan.

Home improvement loans

Consolidating debt

Make life simpler by organising your finances in to one monthly payment.

Debt consolidation loans

Getting married

Have everything in place for a truly memorable day.

Wedding loans

Going on holiday

A helping hand to get you to your dream destination.

Holiday loans

Take out a joint loan

Joint personal loans

Work together to get where you need to be with a joint loan

Borrow money with someone close, such as a relative, partner or friend
You could use the money for a shared project or special event
Work at repaying the loan together

More about joint loans

Top up an existing loan

Borrowing more

If you already have a loan with us but need to borrow more, we may be able to help. You could...

Open a new loan and keep your existing one
Replace your existing loan with a larger one

How to borrow more

Your next steps

Use our loan calculator

Try our personal loan calculator to work out what's best for you. Based on your borrowing needs, we can estimate your potential monthly repayments and representative APR.

Use loan calculator

Get a personalised quote

Find out if you're likely to be approved, with no harm to your credit rating. We'll show how much you could borrow and your personalised rate.

Get your quote

Compare borrowing options

Our tool can help you decide whether a credit card, loan or overdraft is the most suitable borrowing option for your individual needs and circumstances.

Compare your borrowing options

Get the Royal Bank app

With our mobile app you can do your day to day banking, apply for a loan and manage your loan long term. Mobile app eligibility criteria applies.

Download our Mobile App

Know your credit score

It's quick and easy to see your credit score in our app. Available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion.

Get your credit score

Support with your existing loan

Managing your existing loan

You can now manage your loan online, and do things like request your final settlement amount, make an extra loan payment or check your interest rate.

Manage your existing loan

Support with Coronavirus

If you're concerned about being unable to make your repayments on your Royal Bank loan, we have lots of guidance and support to help you.

Visit the Coronavirus support hub

Find a loan to bring your
plans to life

Representative 3.4% APR