Rating based on 6 reviews

Royal Bank of Scotland

  • Personal loans up to £50,000
  • Low-interest starting from 3.9%
  • Repayment up to 10 years

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Royal Bank of Scotland homepage
Author Royal Bank of Scotland. Screenshot of Royal Bank of Scotland website.
[Accessed April 21, 2020]

About Royal Bank of Scotland

The Royal Bank of Scotland started working since 1727.

The Royal Bank of Scotland has been playing an instrumental role in supporting Scotland’s economic and industrial development for the past three centuries.

We are all about improving life

Our main purpose at the royal bank of Scotland is to improve people's lives as well as installing their confidence. We have employed almost 12,000 people. Our services have reached 1.8m personal customers and more than 110,000 business customers. We have 20 mobile branches that serve around 650 communities in Scotland.

We invest in society improvements

We are a direct lender that has the people of Scotland's needs at heart. We want to see the life of those living in Scotland improving from what it was when we started working. Up to date, we have provided  £2.5million towards Scottish EDGE prize funding, and Scottish EDGE’s offices are now located within the bank’s headquarters.

The benefits of using the us

We want the best for our customers. Hence, we always look for ways to simplify their lives. All Royal Bank of Scotland customers has access to rugby tickets and unique experiences because of our long-standing partnership with the Scottish Rugby Union.

You are safe with us

We are a bank that offers almost everything that has to do with finances. All the loans offered at the Royal Bank of Scotland are transparent. We will never make any decision behind your back. We lend responsibly. Some of the money we make from all our services combined is also used to better the lives of the people of Scotland. Not everything is about but it is about the love we have for our people.

Royal Bank of Scotland Services

Royal Bank of Scotland has a wide range of products for its customers to choose from.

All our services are designed to accommodate every person’s financial status as well as your financial needs. Our loan application form is so easy and quick. You can complete it in a few minutes.

Personal loans at the royal bank of Scotland

With personal loans from the Royal Bank of Scotland, you can borrow from £1,000 to £50,000. When you take a loan that is between £7,500 and £19,950 you will receive a representative 3.4% APR. While other loan amounts are available at alternative rates. Furthermore, rates depend on your circumstances and loan amount and may differ from the Representative APR.

The Royal Bank of Scotland joint personal loan

When you decide to work with a partner to apply for a loan, at Royal Bank of Scotland you can do so, it is called a joint loan.

  • You can borrow money with someone close, such as a relative, partner, or friend.
  • You can use the money for things such as shared projects or special events.
  • You will contribute to the loan repayment

Top up an existing loan

At Royal Bank of Scotland, you have the freedom of doing everything with your loan including adding another loan on top of the one you have. However, there are two ways to top up the loan:

  • Open a new loan while you still have another one.
  • You replace the one you have with a larger loan.

Royal Bank of Scotland – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 3.9%
  • Loan Amount up to £50,000
  • Repayment 1 year to 10 years

Benefits of Royal Bank of Scotland

  • Loan calculator online to help determine the cost
  • Get an online decision within minutes
  • Speedy loan applications

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Royal Bank of Scotland your number financial service provider

Apply for an online loan as you need and save yourself from financial stress.

When you need any of our services you can simply visit our banking app and apply. However, if you are a new applicant you can visit any of our branches.

The helpful tools you should use

  • Loan calculator- using a loan calculator will not affect your credit score. It only estimates your potential monthly repayments and representative APR.
  • Quick quote tool- it estimates the amount you may be able to borrow, your indicative personal APR, and monthly payments.
  • Borrowing needs tool- it helps you decide which borrowing option is suitable for your individual needs and circumstances credit card, loan, or overdraft.

How long do you wait for your money

At the Royal Bank of Scotland, we hate to keep you waiting. When you apply on Digital Banking on weekdays, you can expect your loan on the next day. Provided that you are approved. However, your application might take a little longer when we need to contact you for more information.

Who can apply for the Royal Bank of Scotland

Before you apply for our loan, you should be:

  • An above 18 years old UK resident
  • Hold a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months).
  • Stay in the UK.

Contact the Royal Bank of Scotland

We are a bank with many branches. Whenever you need our service, you can simply visit one of our branches. However, if you cannot reach our branches, you can simply call us, and we will give you all the answers you need. You can as well be in contact with us daily by following us on Facebook, Twitter, and LinkedIn. Apply now, Royal Bank of Scotland’s consultants are always ready to serve.

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Royal Bank of Scotland is a trusted & reliable provider of personal loans

In our review, Royal Bank of Scotland adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Royal Bank of Scotland is a registered credit provider in UK: FSA 114724

Customer Reviews & Testimonials

November 2019

I am amazed by the location of the Royal Bank of Scotland branches. They are so close to people

George B
— Scotland —

September 2019

The loan I received from the Royal Bank of Scotland has the lowest interest rates

Bryan T
— Chelsea —

Royal Bank of Scotland Contact

Contact Number


  • not available


Physical Address

  • Admiralty Arch, 49 Charing Cross Rd London SW1A 2DX United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 16:45
  • Tuesday 09:00 – 16:45
  • Wednesday 10:00 – 16:45
  • Thursday 09:00 – 16:45
  • Friday 09:00 – 16:45
  • Saturday – Closed
  • Sunday – Closed