Royal Bank of Scotland provides a wide range of loan products to both new and existing customers. Their specialist loans include car loans, home improvement loans, and holiday loans.
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Royal Bank of Scotland is one of the three current Scottish banks, but it also provides lending and saving facilities to customers across the United Kingdom. It is part of the Royal Bank of Scotland Group that also includes NatWest and Ulster Bank. Although most of their branches are still in Scotland, they also have a presence in major urban centres south of the border. As of 2014, Royal Bank of Scotland had around 700 branches nationwide. The Royal Bank of Scotland has a long history, and was founded by charter in 1727. The Bank of Scotland predates it by 32 years, and at the time of the foundation of Royal Bank of Scotland they were competing in more ways than one. The two Scottish banks represented the two sides of a fractious political scene. The Bank of Scotland was thought to sympathise with the Jacobites, whereas the Royal Bank of Scotland was supportive of the monarchy in London. The Royal Bank of Scotland is responsible for an innovation that transformed banking: in 1728 they invented the concept of the overdraft, when they provided one of their customers with an overdraft facility that would be worth more than £100,000 in today’s money. They expanded throughout Scotland in the nineteenth century, and made their first excursions into English territory in 1874. After this, government intervention saw Scottish banks agree not to open banks in England, with English banks not opening branches in Scotland. This status quo persisted until the 1960s. Royal Bank of Scotland provides a wide range of loan products to both new and existing customers, as well as credit cards and mortgages. Their specialist loans include car loans, home improvement loans, and holiday loans. They also offer debt consolidation loans, allowing customers to move all of their unsecured credit into one manageable place. Personal loans are available for amounts up to £25,000 and can be paid back over periods of up to 5 years.