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Couple applying for a loan
Joint Loans

Take on life together. Apply for a joint loan.

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

Pay back the same amount each month.

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.

Information Message

To apply for a joint loan, you must be 18+ and a UK resident. Plus, you must have shared a joint Royal Bank of Scotland account for 3+ months. Or each had your own Royal Bank of Scotland current account for 3+ months.

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 50  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 50  APR

The Representative APR changes based on the amount you borrow. 

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% 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.

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.

If you borrow between:

£1,000 - £7,450
£7,500 - £50,000
£7,500 - £50,000 for home improvements

The time to pay back will be:

1 to 5 years
1 to 8 years
1 to 10 years
Take a break with a 3-month repayment holiday

Take a break with 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 then 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 joint loan

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

Pay us back early, if you want

You'll just need to pay a fee.

Make overpayments

Chip away at your balance as and when you can.

Use our quick and simple app

Everything you need in one place.

Change your payment date

Just give us a call and we’ll update your Direct Debit.

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

It's easy to manage your joint loan

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

Pay us back early, if you want

You'll just need to pay a fee.

Make overpayments

Chip away at your balance as and when you can.

Use our quick and simple app

Everything you need in one place.

Change your payment date

Just give us a call and we’ll update your Direct Debit.

Confused about APR?

Take a couple of minutes to read our APR guide. 

Is a joint loan best for you?

Read our guide to explore your borrowing options. 

Compare your borrowing

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.

Apply for a loan
What device are you using?
Are you using your mobile, or something else, to apply for a loan?
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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?
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Are you applying on your own?
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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.

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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).
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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.
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Are you applying on your own?
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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.

How to apply:

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

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

Log in and apply

Previous

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.

How to apply:

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

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

Log in and apply

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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.

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Do you have Digital Banking?
Got Digital Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.
Previous
Next
Are you applying on your own?
Previous
Next

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.

How to apply:

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

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

Log in and apply

Previous

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.

How to apply:

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

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

Log in and apply

Previous

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.

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