Looking for answers
Ask a question

What happens once I have applied online for a personal loan?

Following your online submission for a personal loan

  • We'll print the loan agreement and send it to you as soon as we can (usually the next working day).
  • Once you receive your agreement, please sign and date it where indicated and send it back to us in the envelope provided. If we've asked for confirmation of identity, income or other documents, please be sure to enclose the original documents. We will return these to you.

Once we've received your signed agreement (including all the supporting documents we requested), we will usually process your application within two working days. However, we may need to contact you to clarify details in your application. If so, we'll phone or write to you within two working days.

Once we've processed all your documents, we'll transfer your loan funds into the Royal Bank of Scotland account that you've specified on your application.

Please note: Your application remains an agreement in principle (rather than our final decision) until we've completed our credit assessment process. We may also need to contact you for further information to support your application. If this is likely to affect our final decision or the timing of our final decision, we'll contact you to let you know.

If you wish to speak to someone about your application

If you have submitted an online application for a personal loan and would like to enquire about the status of your application, please call us.

Royal Bank of Scotland application helpdesk
0345 3030 344
Minicom: 0800 027 1398
Open Monday to Friday 8am - 8pm, Saturday 8am - 6pm, closed Sunday
(Opening hours may vary on Public Holidays)
Calls may be recorded.