Royal Bank of Scotland Loan

Compare RBS loans

If you’re thinking about borrowing money to; consolidate debt, carry out home improvements or for any other reason you may be wondering if an RBS loan is right for you. You can check the free comparison tables below to look at a range of loans from different providers at the same time.

Featured Loan Deal - Royal BAnk of Scotland Personal Loan
ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £50,000Excellent Credit3.90%



1 to 5 YearsGet Quotes >
ProviderLoan AmountCredit HistoryRates FromTerm 
£2,500 to £15,000Good Credit Only3.2%



2 years to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.2%, so if you borrow £7,500 over 3 years at a rate of 3.03% p.a. (fixed) plus an arrangement fee of £30, you will repay £218.94 for 36 months and £7,881.84 in total.

£1,000 to £25,000Good Credit Only7.9%


1 year to 7 yearsGet Quotes >
  • 7.9% APR Fixed for personal loans between £1,000 and £25,000 
  • Sole or joint names
  • Choose loan length (1 to 5 year for loans £1,000 to £15,000, 1 to 7 year for loans £15,100 to £25,000)
  • Get a personalised quote online without affecting your credit score
  • Option to repay early, unlimited over payments and payment holidays
  • No fees to pay
  • Must be aged between 50 and 75 
  • Must own your home in England, Scotland or Wales
  • Must have a single or combined income of at least £12,000, which includes pensions and income from savings and investments.
  • Provided by Shawbrook Bank Limited
  • Acromas Financial Services Limited is a credit broker, not a credit lender

Representative Example: The Representative APR is 7.9%. Based on an assumed loan amount of £10,000 over 36 months at a interest rate of 7.9% pa (fixed), you will repay £311.65 per month. Total amount you repay £11,219.40.

£1,000 to £25,000All Credit Histories Considered14.9%


1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £20,000All Credit Histories Considered42.5%


1 to 4 YearsGet Quotes >
  • Rebuild Your Credit
  • Interest rates start from 9.3% APR
  • Fast,online application - optimised for all desktop / mobile / tablet devices
  • Instant Online Decision using 'soft' credit searches (Won't affect your credit score)
  • Funds as soon as same day
  • No hidden fees or early repayment charges
  • Must be aged 18
  • Must be UK resident
  • Administration fee applies, not payable upfront but instead included in monthly repayments
  • Applicants must have a net monthly income of at least £1,000, be in full time or part time employment, and have no CCJ's

Representative Example: The Representative APR is 42.5% (fixed). If you borrow £3,000 over 3 years at a rate of 31.9% p.a (fixed) plus an arrangement fee of £157.90, you will repay £137.31 per month & £4,943.24 in total.

£1,000 to £20,000All Credit Histories Considered99.90%


1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% (fixed) - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

Royal Bank of Scotland Loan features:

  • Borrow between £1,000 and £25,000
  • Repayment terms available from 1 to 7 years
  • Home improvement loans over £2,500 can be repaid over 10 years
  • Apply and online before 5:55pm and it’s possible to be paid the next day



Royal Bank of Scotland loan calculator


If you are wondering if an Royal Bank of Scotland loan is the right choice for you, you could use the Royal Bank of Scotland loan calculator to get an indication of how much the loan would cost you in repayments.  You just need to enter how much you would like to borrow and how long you want the repayment term to be. The Royal Bank of Scotland loan calculator will then generate an estimate for you based on the lender’s Representative APR for a loan of that size. Remember however that if you decide to apply for the loan and are accepted you may be offered a different APR by the lender. This is because lenders may adapt the APR they are willing to offer a borrower once they have carried out an assessment of the borrowers financial circumstances. Also although the maximum that Royal Bank of Scotland will lend as a personal loan is £25,000, the amount each individual borrower can borrow is also subject to status.


Before you apply for a loan


As loans can vary greatly, it is a good idea to shop around before you apple for one to try and ensure it is the best choice for you. As well as comparing different loans, you may also want to look into alternatives to credit to see if they could better suit your needs, for example if you already have the required sums saved, then it may be better to use your savings than to borrow. This is because interest you earn from your savings may be less than the rate of interest that you would need to pay on your loan.


It is also important to consider if you are thinking of taking out alone to consolidate debt that spreading your payments over a longer term means you may ultimately be paying more overall than with your existing arrangements, even if the interest rate on this new loan is less than the rates you have at the moment.


The free comparison tables on this site can be used to compare loans from various different lenders at the same time.