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Can I make an extra payment on my loan?


You can make over-payments or additional payments to your loan at any time.

The Lending Team will talk to you about the impact of your overpayment. For example:

  1. Do you want to shorten your loan term or reduce your monthly payment?
  2. Will you be charged for the overpayment?

Personal Loans applied for after 14th November 2010 - we charge:

  • 58 days interest if the loan term was more than 12 months
  • 28 days if the loan term was 12 months or less
  • Interest is charged on the amount of the overpayment

Royal Bank of Scotland Lending
0800 121 121
overseas: +44 131 549 8888
Minicom: 0800 404 6160
Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm (excluding public holidays)
Calls may be recorded.