You could get your money today if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.
Get a free personalised quote
Want to borrow more? Apply for a top-up loan.
You could get your money today if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.
Get a free personalised quote
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.
To apply for a loan you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
£7,500
0 months
£137.55
£8,253.00
3.9
3.9
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.
1. Get your personalised quote
See if we're likely to say 'yes' before you apply. A quote takes minutes and won't affect your credit score.
2. Complete your application
After you know how much you could borrow, apply in less than 10 minutes – and get an instant decision.
You need:
Yes – and it’s easy to do:
To get our app, you need to be age 11 or over, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS or Android device.
3. Get your cash
You could get your money today. For more info, read 'When can I get my loan?'
You could get your money the same day if:
you apply online.
you've been accepted.
you sign your documents by 5.45pm Monday to Friday (excluding bank holidays).
It might take a bit longer if we need to get in touch with you for more info.
Yes, but you’ll have to pay an early repayment charge (ERC).
The cost of the ERC depends on how long you’ve got left to pay off your loan:
Want an idea of what an ERC could cost?
Let’s say you borrowed £10,000 for 5 years, paying 6.6% interest, and you want to pay off all your loan 2.5 years early. The ERC would be £53.28.
You’d pay the ERC on top of the loan and interest you still owe.
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.
We make it easy to manage your loan, so you're in control:
You'll just need to pay a fee.
Chip away at your balance as and when you can.
Everything you need in one place.
Just give us a call and we’ll update your Direct Debit.
It's easy to manage your loan
We make it easy to manage your loan, so you're in control:
Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool.
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.
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.
Your loan top up must be at least £1,000. The most you can borrow is £50,000 in total (including any existing Royal Bank of Scotland loan).
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.)
It’s easy to check how much you still owe on your loan – just go to our mobile app.