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Holiday Loans

A helping hand to get you to your dream destination

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.

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About our Royal Bank of Scotland holiday loans

We all deserve to have a break, whether it’s a trip of a lifetime, a relaxing getaway or a family visit abroad. You could use a holiday loan to  help you get to your dream destination and pay it over time.

Use loan calculator

See how much you could borrow

Use our loan calculator to decide how much you want to borrow for your holiday, how long you'll need to pay it off and what the Representative APR rate is.

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Get a quote

Get a personalised quote for a holiday loan

We’ll confirm your loan amount and rate at the start of your application with no harm to your credit rating. All this if you have a Royal Bank current account and you're applying for a sole loan.

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Money in your account

Have your money on the same day

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm .

Sometimes we need to contact you for more information, so it can take a little longer.

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Holiday loan borrowing terms

This is the length of time you can take a holiday loan over, depending on the amount you're borrowing.

Holiday 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.

Find a little flexibility with our repayment holiday

When you apply for a loan, based on your circumstances, we might give you the opportunity to defer your first repayment. 

  • It's only available at the start of your loan term
  • You can defer your first loan repayment for a period
  • If this option is available to you, we'll show the details of your repayment holiday during the quote stage of your application
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 holiday 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.