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Royal Bank of Scotland

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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Loans displayed have term lengths between 6 months and 7 years, and 3.9% APR.

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The amount is based on monthly compounding and for comparison purposes only.

Monthly repayments

Royal Bank of Scotland Online Personal Loan

  • Debt consolidation allowed
  • No set-up fee
  • View and track your loan in Digital Banking
  • Current account customers only
More info
3.9% APR Representative
£8,101.44
£168.78 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Permanent UK resident
  • 21 or older
  • Good

Additional criteria for acceptance from the lender may apply.

Assumed borrowing of £7,500 over 48 months at a fixed rate of 3.9% per annum would result in a representative rate of 3.9% APR, monthly repayments of £168.78 and a total amount repayable of £8,101.44.

Royal Bank of Scotland Debt Consolidation loan

  • 5 minute application
  • Quick decision
  • Possibility to lower monthly payments
More info
3.9% APR Representative
£8,101.44
£168.78 repayable per month
Can I get this loan?
Please make sure you at least meet the following criteria:
  • Must be a UK resident
  • Aged 18 or over
  • Only available to current account holders

Additional criteria for acceptance from the lender may apply.

Assumed borrowing of £7,500 over 48 months at a fixed rate of 3.9% per annum would result in a representative rate of 3.9% APR, monthly repayments of £168.78 and a total amount repayable of £8,101.44.

Warning: Late repayments can cause you serious money problems. For more information see our debt help guides.

uSwitch Limited is a credit broker, not a lender, for consumer credit products. Our services are provided at no cost to you, but we may receive a commission from the companies we refer you to. For some loans a broker fee of up to 12.5% may be added to the cost of the loan.

About Royal Bank of Scotland

The 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.