Personal
Loans
Quick Quote

Check your eligibility for a loan

Get a quote for a personal loan

Representative 6.6% APR

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

It takes just a few moments

It takes minutes to find out how much you could borrow.

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Get a personalised rate

We’ll show you the rate you’re likely to get if you go on to apply.

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No harm to your credit rating

We use a soft credit search, which won't affect your credit rating.

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Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

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:

What you can't use a Royal Bank of Scotland loan for

Buying or putting down a deposit on a property, static caravan or land
Household bills, rent or mortgage payments
Car tax
Business purposes
Payments in arrears
Tax avoidance arrangements
Court or solicitors' fees
Gambling
Buying shares or other investment funds

How do I get additional support with my banking?

You can use the Banking My Way service to tell us about any additional support or adjustments you might need with your banking.

This information will be shared across the bank, meaning you won’t need to tell us about your requirements every time you interact with us.

As an existing customer, you’ll be able to provide this information online, over the phone, or by visiting a branch.

Learn more about Banking My Way

Our lending commitments to you

We want you to be sure this loan is right for you. So before you carry on, please take a look at our lending commitments. They explain what you can expect from us and what we ask of you.

Our Lending Commitments (PDF, 531KB)

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.

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.

Apply for a loan

What device are you using?

Are you using your mobile, or something else, to apply for a loan?

Please choose an option below to continue

I'm using my mobile

I'm using my desktop or tablet

Is our app on the device you’re using right now?

The Royal Bank of Scotland app is the easiest way for you to apply for a loan. Do you have it on this device?

Please choose an option below to continue

Yes, the Royal Bank of Scotland app is on this device

No, I don't have the Royal Bank of Scotland app

Are you applying on your own?

Please choose an option below to continue

Yes, it's just me

No, I want a joint loan

Great, let's get started

Just a heads up - you'll be asked to log into the Royal Bank of Scotland mobile app to start your loan application.

A quick heads-up before you apply...

To apply for a joint loan applicants must both:

Be 18+ and a UK resident.
Have your own mobile number and email address.
Have had a Royal Bank of Scotland current account for 3 months+.
Have our app - you'll use it to apply.
Not have been declared bankrupt in the last 6 years.
Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

Both your addresses.
Both your incomes and outgoings (how much you spend).

Do you have Royal Bank of Scotland Digital Banking?

If you know your digital banking details we can pre-fill some of your info - making the application process faster.

Please choose an option below to continue

Yes

Are you applying on your own?

Please choose an option below to continue

Yes, it's just me

No, I want a joint loan

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

What do you need to log in to Digital Banking?

You’ll need:

Your Digital Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Digital Banking.
Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
You’ll return to our loans page.
Choose ‘Apply for a loan’.
Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

What do you need to log in to Digital Banking?

You’ll need:

Your Digital Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Digital Banking.
Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
You’ll return to our loans page.
Choose ‘Apply for a loan’.
Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland Debit Card, if you have one.

How to register for Digital Banking

Head to 'Register for Digital Banking.'
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.
Go to the Royal Bank of Scotland website and click ‘login’ in the top right-hand corner, have your activation code to hand.
On the login page, type in your customer number and activation code.
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.
Done, finished, complete. Now you can manage your finances anywhere you can get online.

Do you have Digital Banking?

Got Digital Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Please choose an option below to continue

Yes, I've got Digital Banking

No, I've not got Digital Banking

Are you applying on your own?

Please choose an option below to continue

Yes, it's just me

No, I want a joint loan

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

What do you need to log in to Digital Banking?

You’ll need:

Your Digital Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Digital Banking.
Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
You’ll return to our loans page.
Choose ‘Apply for a loan’.
Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our loans page.

What do you need to log in to Digital Banking?

You’ll need:

Your Digital Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Digital Banking.
Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
You’ll return to our loans page.
Choose ‘Apply for a loan’.
Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

Let’s get you signed up for Digital Banking

How to register for Digital Banking

Head to 'Register for Digital Banking.'
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.
Go to the Royal Bank of Scotland website and click ‘login’ in the top right-hand corner, have your activation code to hand.
On the login page, type in your customer number and activation code.
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.
Done, finished, complete. Now you can manage your finances anywhere you can get online.