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What can I include as income when completing the application form for my personal loan?

You should add up all your monthly earnings. You can include:

  • Salary (after tax)
  • Pension
  • Disability Living Allowance

You can also include:

  • Child maintenance agreed by a Court
  • Long-term town, housing, or shift allowances from your employer
  • Child Tax Credit
  • Working Tax Credit (if it's not already included in net salary)
  • Under 'Other monthly income' you can include child benefit, any other state benefits and any other net (after tax) regular income you receive.

If you declare income that's not shown on your Royal Bank of Scotland current account statement, we may ask you for additional confirmation.