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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.
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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.
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What is APR?

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

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.

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 top up loan in the app

Payments

Manage your loan in a flash

It's quick and easy to see what you owe, make payments and overpay with our app. And thats just for starters.

Get our free app.

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Check your credit score

Check your credit score for free

Want to borrow more money? A good credit score could help. See what your score is in our app and get tips to improve it. 

Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion

Check your credit score in our app.

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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:

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.

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

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.

You're about to start your application so just a heads up:

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a Royal Bank of Scotland current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days.
  • you'll be asked to log into the Royal Bank of Scotland mobile app to start your loan application.

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

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.
Are you applying on your own?

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

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

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.

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

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

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

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.