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Top up your loan

 

Want to top up your loan? Check out your options now.

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.

Why top up your loan with us?

Apply in minutes

It takes minutes to apply online. It's also easy, as we fill out your info where we can.

Get a free quote

Check what you could borrow and your rate before you apply - without affecting your credit score.

Borrow up to £50,000

You could borrow up to £50,000 over 1 to 10 years dependent on how much you are borrowing. If approved, your money will wing its way straight to you account. 

Money same day

You could get your money today

Your money could be in your account the same day if you apply online, are unconditionally accepted and sign your loan documents before 5:45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info).

How to top up your loan?

Option 1: Replace your existing loan(s)

  • Get one bigger loan that pays off your existing Royal Bank loan(s) - and gives you the extra money you need. 
  • You'll have just one fixed-rate loan payment, so it's easy to manage.
  • You'll have a new interest rate, which might be more than the interest on your existing loan.
  • You'll need to pay an early repayment fee. This will be included in the amount needed to pay off your old loan.
Information Message

Option 2: Apply for a separate loan

  • You'll keep your existing Royal Bank loan – which will stay the same, with the same interest rate.
  • Then apply for a second Royal Bank loan for any additional borrowing you want.
  • Each loan will have its own interest rate and a different number of years to pay it back over.
Information Message

What is APR?

Unsure about APR? Take a few minutes to read our helpful guide.

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.

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. 

How long would you like to repay?

60 Months

Representative Example

Borrowing

£10,000

Over

60 Months

Monthly Repayment

£195.24

Total Repayment

£11,714.40

Representative

6.6

% APR
(Annual Percentage Rate)
Interest rate

6.60

% p.a
(Fixed)

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.

Get a free personalised quote

Find out if we're likely to say 'yes' before you apply and how much your loan could cost. Don't worry - a quote takes minutes and won't affect your credit score. 

Take a break with a 3-month loan 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 then choose to delay your first repayment by 3 months.
  • You’ll need to say if you want to take a repayment holiday before you complete your application.

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

Can I pay off my loan early?

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:

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.