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Need a loan? Apply for a top-rated loan.

Get your free, personalised quote

Get your money today if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.

 

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Your rate depends on your personal circumstances, loan amount and term and may differ from this Representative APR.

Information Message

Try our personal loan calculator

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

How much would you like to borrow?

Representative 6.6%  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years. 

Representative 6.6%  APR

The Representative APR changes based on the amount you borrow. 

You want to repay it over

60 Months

Representative Example:

Borrowing

£10,000

Over

60 Months

Monthly Repayment

£195.24

Total Repayment

£11,714.40

Representative

6.6

% APR
Interest p/a (fixed)

6.60

%

The rate you pay depends on your circumstances, loan amount and term 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.

How long could you borrow for?

You could pay back your loan over one to 10 years – it depends how much you’re borrowing and what you’re borrowing for.
Take a break with a 3-month repayment holiday

Want a 3-month repayment holiday?

  • At the start of your application, we'll give you a quote. This might include the option to take a repayment holiday.
  • You could choose to delay your first payment by 3 months.
  • You'll need to say if you want to take a repayment holiday before you start your loan. 

If you take a loan repayment holiday, your loan will take longer to pay back. You'll also have to pay back more each month - so your loan will cost more. This is because we charge interest during your loan holiday. 

It's easy to manage your loan

We make it easy to manage your loan, so you're in control:

Pay us back early
Make an overpayment
Check your credit score via the mobile app
Change your payment date

Are you ready to apply?

Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool. 

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?

Just so you know, you can only apply if you have two loans or less with us right now. (More than two loans? You'll need to pay one off before you apply.)

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute.