Royal Bank of Scotland Loan

Compare Royal Bank of Scotland loans

Whatever you are considering a loan for; a new car, debt consolidation or to carry out some home improvements, Royal Bank of Scotland loans could be just what you are looking for. With a wide range of products to suit your specific needs. However, it is important to compare the market thoroughly before settling for one deal, you can compare rates and deals with using the free comparison tables below

ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £25,000Good Credit Only3.2%


(£7,500 - £25,000)

1 year to 7 yearsGet Quotes >
  • No arrangement fees or hidden charges
  • Instant online decision
  • Funds transferred within 2 working days
  • No penalty for overpayments
  • You must be aged between 21 and 70 
  • You must have been a permanent UK resident for 3 years 
  • You must have an annual income of at least £12,000 and have a UK bank or building society account
  • You need to make payments on time or you will be charged a late payment fee. Missing payments could have severe consequences on obtaining future credit
  • Post Office Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender

Representative Example:  The Representative APR is 3.2%. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.2% p.a. (fixed). Monthly repayment of £180.37. Total amount repayable £10,822.20.

£2,500 to £15,000Good Credit Only3.4%



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 3.4%, so if you borrow £7,500 over 3 years at a rate of 3.40% p.a. (fixed), you will repay £219.27 for 36 months and £7,893.72 in total.

£1,000 to £20,000Good Credit Only3.44%



1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • Instant Online Decision
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Permanently resident in England, Wales, Scotland or Northern Ireland

Representative Example: The Representative APR is 3.4%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.4% p.a. (fixed). Monthly repayment £181.41 & total repayable £10,884.60.

£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.

RBS personal loan features:


  • Borrow between £1,000 - £25,000 for almost any purpose
  • Enjoy a special online rate on loans of £7,500 or more
  • Spread your payments over 1 to 5 years, or up to 7 for loans over £15,000
  • Home improvement loans over £2,500 can be repaid over 10 years
  • If you apply online before 5:55 the funds can be in your account by the next day


RBS loan calculator 


To get an estimate of how much your loan repayments would be you could use the Royal Bank of Scotland loan calculator, you just need to enter; the reason for your borrowing, how much you want to borrow and how long you would like the repayment term to be. The Royal Bank of Scotland loan calculator will then be able to estimate how much your repayments would be based on their Representative Annual Percentage Rate for a loan of that size.


However if you do apply for the loan the actual annual percentage rate you are offered may deviate from this, this is because most lenders will work out what APR they are willing to offer you based on an assessment of your credit score and other financial circumstances. This check will also affect the specific amount you can borrow, £25,000 is just the maximum you can borrow with this plan you are not necessarily guaranteed to be able to borrow up to that much.


Before you take out a personal loan


Loans can be long term commitments, therefore before you apply for a loan of any sort, you should shop around and compare different offers, there are a diverse range of loans on the market, you should think about when looking what features are important to your specific needs. You can use the comparison tables above to look at loans from a variety of different lenders at the same time


You may also want to think about alternatives to borrowing such as using savings instead.


There are also other types of borrowing such as authorised overdrafts and credit cards you might wish to consider.