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Can I make an extra payment on my loan?


You can make overpayments or additional payments to your loan at any time. The best way to do this is to contact our Lending Team or visit your local branch.

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 - 4pm (excluding public holidays)
Calls may be recorded.

Alternatively, you can visit your local branch.

Royal Bank of Scotland branch locator
Find your nearest branch using our branch locator (opens in a new window).