All The Magic
No Upfront Fees.^*

Get competitive interest rates, pay no bank fees and more with an RBC^® Personal Loan.

^**Conditions apply. Offer ends December 31, 2026.

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Affordable Financing Meets Holiday Magic

We've designed our loans around what actually matters, so you can focus on making memories to last a lifetime.

No Bank Fees

^*You pay no upfront bank fees, freeing up cash to do more. Non-bank fees, including legal and other third-party costs, may apply. For full details see below¹.

Flexible Rates

Do more for less with competitive interest rates, flexible terms and payment options that best suit you.

100% Financing

No downpayment² allows you to keep your cash and still do more of what you want.

Explore Financing Solutions That Match Your Needs

Personal Loans

An RBC Personal Loan can help you achieve your short, or long term goals. We’ve got a solution to help you achieve what’s important to you.

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Auto Loans

Whether you’re buying your first car, ready to upgrade or looking for greener alternatives, we can help you finance the vehicle that best suits your needs.

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Experience Different Ways to Use an RBC Personal Loan

Home Renovations

Whether a major renovation or small project, we have financing options for all your home improvement needs.

Travel

Planning a dream vacation? A travel loan can help you get to your destination of choice.

The Perfect Gift

Want to make their holiday unforgettable? A personal loan can help you access the funds for everyone on your list — including you.

Your Best Rate Starts with a Conversation

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^®/^TM

Trademark(s) of Royal Bank of Canada. Used under license.

^‡

All other trademarks are the property of their respective owner(s).

^**

Promotional Period October 19, 2026 – December 31, 2026

Subject to normal lending criteria. Special conditions apply based on eligible country. The cost of borrowing will be made available upon application.

The up-front bank fees refer to the bank’s service charge applied to the loan. It is either stated as a percentage of the loan amount or a flat fee. In either case, the bank will waive the full cost of this specific charge. Non-bank fees apply.

The bank reserves the right if in their assessment of the client’s application OR by regulatory standards, equity injection is required for the intended borrower to fulfil their obligation.

All The Magic No Upfront Fees.*

Get competitive interest rates, pay no bank fees and more with an RBC® Personal Loan.