Royal Bank of Scotland

Visit Site

Company Information

  • Company Name :
    Royal Bank of Scotland
  • Website Address :
  • FCA IP :
  • Business address :
    36 St Andrew Square, Edinburgh, United Kingdom, EH2 2YB
  • Phone number :
    0800 148 8331

The Royal Bank of Scotland (RBS.co.uk) is a member of the Royal Bank of Scotland Group. The bank is one of the largest providers of financial products and services in the UK, with current accounts, savings, insurance, mortgages and loans available to help its customers manage their money.

The Royal Bank of Scotland’s personal loan can be used in whatever way the customer sees fit – once the loan is in your account, it’s yours to spend, with no obligations as to where the money goes. Whether you’re looking to improve your home, cover the costs of an important life event or simply pay for a holiday without blowing your savings, the Royal Bank of Scotland’s loans are there to help make your dreams a reality.

Customers taking out a personal loan from the Royal Bank of Scotland could borrow as little as £1,000 up to £25,000. Loans between £1,000 and £14,950 can be paid back over a term of one to five years, while larger loans up to £25,000 can be repaid over seven years. The interest rate that you’re given when you receive your loan will be fixed for the entire term, meaning you’ll be looking at a predictable and affordable monthly repayment, potentially up to seven years.

The Royal Bank of Scotland personal loan is available to customers who have held a current account with the bank for six months or more, are over the age of 18, and are current UK residents. If you meet this criteria, you can easily find out how much you may be able to borrow and what sort of interest rate you’ll receive by using the Royal Bank of Scotland’s website’s “Quick Quote” calculator. This tool fills the necessary form in for you automatically and could give you an immediate decision on your loan.

If you are self employed or nearing retirement and want to apply for a Royal Bank of Scotland personal loan, you’ll need to apply in your local RBS branch or over the phone.

252 Reviews of Royal Bank of Scotland

Hello there, my name is Adrian, I’m a 45 year old civil servant and a long time Royal Bank of Scotland customer. I took out a personal loan from the bank last year to help pay for some improvements to my home, and found the whole experience to be remarkably simple and easy.I’m not one to take out loans frequently as I prefer to pay for things upfront if I can, but this renovation to my home worked out to be more expensive than I initially calculated, and I preferred the idea of taking a loan out to cover the costs rather than paying for it all upfront. Because I have a regular and substantial income, I knew I could afford to meet the repayments and having taken a look at the sort of interest rates on offer at RBS, I felt fairly confident that the personal loan suited my needs perfectly.I generally do my banking online, and RBS make it very easy to apply for a personal loan using your online banking. I got a Quick Quote, which gave me a personalised interest rate based on the amount I needed and the length of time I wanted to repay over, and from there my application was approved straight away. It was incredibly simple and quick and I didn’t even have to speak to anyone on the phone. The bank used my statements and income information to prepare a quote and I was ready to go.Because I knew I wouldn’t need too long to repay the loan, I also got a great interest rate and the money was in my account by the next day. I’m very happy with The Royal Bank of Scotland’s personal loan service and will certainly use it again in the future if the need comes up.

Review posted by Adrian O'Henry

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I gave RBS a try for a loan as I have a current account with them and I thought I might get a more personal service. I’m not sure what the reason was, but the service was terrific and I ended up staying with them – no need to try anywhere else! I was after quite a bit of money (£20,000) over quite a long time (at least 6 years so I could easily manage the repayments) and there was absolutely no problem. I expect if my credit rating or job security had been worse than it was, there might have been issues, but as it was, I was fine and the whole process was smooth and painless. The “quick quote” tool was excellent- I wanted to see what the repayments were going to be, and once I’d done that, it even filled in the form for me. No hassle borrowing. The decision was instant and there was no delay in getting the money either after the necessary checks were done. I think it might be more of a problem if you’re self employed or older and near to retirement, but for me, it was easy. You also have to be a RBS customer, which will be a problem for some. But if you are, I reckon they’re the best deal you can get.

Review posted by Adam Baker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am going to tell you the whole truth and nothing but the truth now! I am apparently in middle of what my wife calls 'a midlife crisis'. Just because I woke up one morning and and had this uncontrollable urge to rush off and buy the biggest motorcycle I could get my hands on - anything wrong with that? She seemed to think that it was a problem and refused to allow me to use our joint savings to get myself a motorcycle. I then began looking online for a personal finance company that could help me.I did not want to upset my wife, but I just had to get my hands on a bike so that I could ride into the wind. Not long after starting my search, I found RBS and the best part about them is the fact that there are no questions asked about what you plan on doing with your money when you get it. I submitted my application and three days later I was signing the papers for my brand new motorcycle. My wife is still not that happy with the idea, but I am super excited that my interest rate is as low as it is.

Review posted by Sebastian Webb

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A personal loan from the Royal Bank Of Scotland is very easy to get hold of but you must be a member of the Royal Bank Of Scotland and have had a bank account with them for six months or over. This loan is therefore very good but only if you use the Royal bank of Scotland. However, the majority of personal loans that are taken from banks are used most of the time by customers of the bank.The bank has very competitive rates with many other banks that offer personal loans to their customers. There is a good range of loan amounts as you can loan as little as £1,000 and as much as £25,000 which is very similar to other company's. You can also pay the loan back from 12 months all the way up to 60 months.The bank sets out the repayments of the loan very simply and it could not be easier to understand. The bank offers it's loans out with relatively little information about the client, providing you have held a bank account with them for six months or more. The decision about your loan could even be immediate online and their friendly in store advisors will only be too happy to help with any questions.

Review posted by Demi Morley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I needed a personal loan my first port of call was my bank, RBS, and I'm pleased to say my application was approved and the funds in my account on the same day. I never realized it was so quick and easy to apply for loans.I really just checked out the RBS loans out of interest as I didn't intend to apply through them. When I logged into my personal digital banking account I selected the loans option and noticed I could get a quick quote for a loan. I selected the amount I wanted to borrow and the amount of time I wanted to take the loan over. Almost immediately a message flashed up on the screen to say my loan application had been approved. I could not believe it. I wasn't aware that I had actually applied for a loan. The clerk in my local bank branch told me afterwards that the online service just completes all the necessary details for bank customers and loan applications really are that easy.My loan was for £7.500 over a term of five years and I was given the 4.9%APR interest rate on this application. I pay £140 per month for this loan and this is fixed for the duration of my loan so I know I won't be bothered too much if interest rates do rise over the next few years.I am really pleased with the speed of this loan application and will use RBS in future if I have any borrowing requirements.

Review posted by Josh Harding

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS have had a long road back to gain the general public’s trust. The high street giant was fined £14.5 million in August of this year because of irregularities regarding mortgage advice to customers. Nevertheless, they offer a reasonable 4.9% APR representative for loans of £1,000 to £25,000. The interest rate offered is one of the best offered by the leading banks. Loans can be taken out over a period of 12 to 60 months, like many of the aforementioned lenders. If you were to take out a £8,000 loan over a 2 year period, the monthly payments would come to £350.22, with a total payable amount of £8405.28. Taking out a loan with RBS could be risky because of recent misgivings and honesty relating to advice given. Caution should be applied because if you are given loan advice by this lender as you may be slightly dubious of its validity. Nonetheless, it is ultimately the decision of the customer if they are going to take out a loan with this particular leading lender. Furthermore, RBS have put a lot of effort into restoring public confidence and their low interest rate does seemingly reflect this.

Review posted by Ryan Daniels

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Having banked with RBS for a long time, I never expected to need to take out a personal loan with them, as I have always been careful and saved for what I need. When my partners mother became very ill, we took the decision to help her with private medical care. We got a very quick response from RBS online, and were accepted at a very low interest rate.Although there was a waiting list for my mother in law, we still wanted to get everything wrapped up and organised, as we had our last loan about ten years ago and in those days it was a lengthy process to get the money in your account. Once we were accepted, the money was paid in very quickly.RBS make their online banking very easy and if you have a personal loan as well as any other accounts you can see them all easily. We were really shocked at how quick the turnaround was, and you can pretty much complete the whole process online. Seeing as though we didn't ever plan on having to take this amount of credit, we did have a bit of concern about paying it back, but we have chosen to repay the loan over 5 years which means it is by far affordable in our current circumstances.

Review posted by Alicia McLean

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Most people say to stay away from the high street banks, because they are supposedly more expensive, but I did not find that the 4.7% APR I got for my home office set-up loan to be too excessive at all. I have recently cut back on days at work and been moved to a part-time schedule, so I’ve been setting up my own home-based accounting and stock-trading business.The costs of the office are covered completely by the RBS loan and I can pay it back over a period of 4 years. This is a great rate, because I plan to make all the money back within the first few months of my business starting. The interest rate is going to be fixed and this is really going to be my ticket into financial freedom.In addition, since I am also banking with them, they are giving me discounts on their other services in addition to extra air miles that I can use to travel for business or pleasure. I can also get discounts on fees and other services throughout my financial portfolio. Overall I’m really impressed with their service and couldn’t recommend a better provider.

Review posted by Morgan Lynch

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Early last year, my wife and I decided to buy a home. That had always been our dream and, therefore, we had saved heavily to realize it. Unfortunately, being the first time for both of us to buy a home, we didn't do a good job at inspecting it. Both roofing and plumbing system were in need of repairs. With these repairs in mind, we managed to get a good bargain from the seller.After paying for the home, we began making preparations for moving in. Part of these preparations involved carrying out repairs on the house. That is when we realized how grossly we had underestimated the level and cost of repairs that were needed. A professional inspection revealed we needed four times the estimates we had made earlier. We were desperate to move in the house but we couldn't comfortably raise the money for repairs. Almost all of our savings had been used up in purchasing the home.It was then that we started to seriously think about getting a personal loan. After discussing with my wife, I decided to take a loan with Royal Bank of Scotland. I quickly made the application online. Its instructions were simple, straightforward and easy to follow. After I was done, I was happy to be informed of my successful application minutes later. I also realized I could get a very low interest rate if I paid the loan fast. I therefore decided to take a large monthly repayment figure. This was not going to be a big burden for us since we had agreed to share the repayment. The following day after the application the money was already in my account. Repairs started in earnest and two months later, we moved in our new lovely home. We are now living happily in our new home thanks to Royal Bank of Scotland's loan.

Review posted by Robert Watson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The trusted Royal Bank of Scotland Group has not been left behind in the booming personal loans business. They don’t just offer a personal loan; it is one of the best in the market today just like any of their other regular loans. The best part of this personal loan is that, you don’t need to visit their branches to fill it or any documents sent to you for filling, since the Quick Quote tool automatically fills your details. When you use the “Quick Quote” from their website, you will know how much you can borrow and the rate it will attract. If you are okay with the quotes the program gives you, then proceed with the application.The £1,000 to £25,000 they give you has no limits on what you can do with it. This means, you have full control of your money. The repayment period for amounts between £1,000 and £14,950 is one to five years. Those above £15,000 have a payment period of up to 7 years. The APR you get is fixed over the payment period.If you are 18 years old UK resident and have held a current account with the bank for the last six months, don’t hesitate to apply for this loan on your PC now. Those who are self employed or those who are approaching their retirement age, need to apply over the phone or by visiting local RBS branch.

Review posted by Melissa Webster

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a few thousand pounds to attend a course. The enrollment date of the course was approaching and I didn't want to wait a year while I saved the cash for the next term. RBS offered low minimum amounts with a short minimum term. As I only needed a fairly small loan, and I knew I could pay it back promptly, RBS seemed like the perfect choice.I was approved in next to no time and received the money in no more than 2 weeks. The quick approval meant I could secure my place so I was very happy with that. I am easily on top of the payments and my course will lead to a boost in income so I have no financial worries because of the loan. I think my case is a perfect application for such a product. It is important to have a plan and an end-goal for the loan. I expect that people who get into financial problems with loans have just taken them out for some quick cash.As a review of the service, I would say that it has all gone without a hitch. From the start to where I am now, it has been a good experience. I am on track to complete my repayments in 2 months’ time and I am completely satisfied that I made the right decision.

Review posted by Naomi Roberts

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I wasn't looking to rush into borrowing any money but I was in the market for a personal loan, I've had quite a few personal loans of the past 15 years, I mainly use them for their flexibility, to achieve my ambition and maintain a certain lifestyle. I may need a little more or a little less from month to month so I find that in the end it balances itself out, besides I'm not a big fan of credit cards!I'd had a couple of bad experiences with other lenders as I generally shop around for the very best deal, which in retrospect may not have been the best action to take, I wanted to go back to a provider I knew I could trust. One of my first loans was with RBS and I always remember it being such a painless experience, I was relatively new to the world of finance back then and as such had a lot of different questions which were all duly clarified.I decided to check out what they would be willing to offer me, I was pleased to see that even after all these years things had not changed. They were able to offer me everything id asked for at a competitive rate, I was even able to request the same monthly repayment date as I had with my old loan, resulting in a seamless transition from one to the next.

Review posted by Jude Humphreys

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Royal Bank of Scotland offers loans that can be used for home improvement and other purposes. Loans are only offered to adults over 18 and existing customers of the bank. Flexibility when it comes to overpaying is just one of the advantages of doing business with RBS. An online loan calculator will help you to determine how much you will have to repay if you take a personal loan from this financial institution. Customers of the Royal Bank of Scotland can complete applications more quickly than other UK residents. Their information can be used to fill the online application. This means you can find out even more quickly whether you qualify for a loan. You can apply online at any time of the day or night. Up to ten years are given for you to repay your loan if you get the maximum of £25,000. Customers who borrow £1,000 have up to 5 years to repay. The interest rate charged on personal loans disbursed by Royal Bank of Scotland is 4.9% APR. This means that this bank offers one of the most affordable loan rates in the UK. The rates at this bank are a little higher than the lowest, at 5.4% after discount. You can apply to borrow more money at any time if you are an existing customer. With fairly low rates and fixed repayments, the Royal Bank of Scotland is a recommended option for consumers who want personal loans.

Review posted by Poppy Robinson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

In my search to find the best personal loan out there for me I had to take a few things into consideration. Some of the other lenders just didn't allow me to borrow as much as I wanted with an acceptable APR. That's why I short listed several that could accommodate for my specific needs. Eventually, I settled on RBS . Obviously the main reason I choose RBS was due to the great rate they offered when compared to certain other providers as well as other benefits. I needed a loan that could help me consolidate my debts as well as giving myself and my family a long overdue holiday. The Royal Bank of Scotland accommodated all of my financial needs as well as paying back over a number of years which suited me. Basically I just completed the online form and listed what I wanted to borrow and for how long and then waited for a response. A few days later I found I was accepted for the loan and after it was a simple case of signing and agreeing to the contract and then sending it straight back. I was ecstatic that within a week of applying I had access to the money to use on the things I had planned for. Everything went so smoothly it was like a dream come true. Thanks so much for your help RBS.

Review posted by Ben Pickering

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Despite their less than stellar reputation during the banking crisis, there are still plenty of reasons to choose RBS. First and foremost, they can either run through the application in branch or online, meaning that whether you are an internet expert or a complete Luddite, you are entitled to the same great rates of interest and payment terms no matter what method of application you choose. With many banks opting to go solely online, or offer better rates for internet customers, this really does set RBS apart from its rivals. The amount they can lend also matches those of other high sreet lenders, with borrowers being eligible for anywhere between £1000 and £25000, with payment terms ranging from 12 to 60 months. This means that an emergency bailout, or long term house repairs, both qualify as valid resons for an RBS loan. Customers who have been accepted for one of their loans have reported that they have received the money in their accounts the very next day, and have also been offered very competitive rates on other RBS products, such as home and car insurance, as a direct benefit of taking out their loan. The bank have also been praised for lowering the APR on loans over shorter periods, whereas other banks apply a 'one size fits all' approach, or in some cases rack up the APR to ensure maximim profit from their customers. Whether you're an existing customer or a newcomer to RBS, they appear to be doing a great job for anyone they deal with.

Review posted by Bailey Waters

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Royal Bank of Scotland offers the most attractive terms as far as personal loan is concerned. Their loan facility is the most lucrative in this country because of their competitive and friendly rates. Moreover, the application processes were the easiest because the Quick Quote software in their will work out everything automatically for you. This means you do not need to visit their head office or any of their branches.Quick Quote tool provides information you need. You can proceed with the application and complete it online. You can get your money within forty-eight hours from the bank.You can borrow from £1000 to £25,000. The repayment period always ranges from one to 5 years depending on the amount you borrowed from them. The repayment period could be extended to 7 years if you borrow up to £15000 from them.Their lending rate is very competitive with an APR of 4.9%; it is among the best rate you can get in view of your bad credit record. The customer care is excellent. You do have any reason to make a phone call or visit their branches as the customer service has made everything simple and easy for you.They have a solution to your queries once you put it across to them. If you are looking for mortgage, car loan or any other type of loan, visit the bank website.

Review posted by Anita T. Richmond

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was thinking about getting a personal loan for a car that cost me 8000 pounds. I had a look on the RBS site and saw that they had good rates. However, I was first able to use the calculator and see how much the loan would cost me. It is really helpful.The company also offers a service that tells you online if you are likely to be accepted for the amount. This means that you do not have to ruin your credit rating and submit an application to find out if you get the loan. The system said that I was likely to be accepted, so I went ahead with the rest of the forms. The advisor on the phone was very professional and explained the next steps. Indeed, I had no idea what I had to do next, and the guy on the other end of the phone was really helpful.I got everything arranged, and my money was transferred the same day. The advisor was very helpful, and I was surprised that there was no extra cost for faster transfer. Recommended for loans over £7000. I heard that the rates are much lower for people who apply for a smaller amount, but I am satisfied with my repayments. 

Review posted by Sarah Hopkins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Call it paranoia or something else. The 2008 crisis made me very reticent regarding just about anything. Buying my own house used to be a dream, until then. I gave up yes, which left me depressed for months, so not years. Borrowing money from a bank, exactly the institutions who were responsible for the mess (and they became victims of themselves) sounded as a crime in my ears (the paranoia part of me). Working my ass off throughout the year seems to be a waste of time. It never depended on me, unable to improve my personal situation other than staring myself blind to others, owning their property before 2008.Then, to make things even more worse my dad died a year ago. The house he lived in with my mom got abandoned until I heard from her that she was willing to pass the rights, worth £65.000 to me on the condition I would take her as long as she lives. Well, nothing better than that as I'm still single.The place was left behind in a devastation condition without what we call nowadays the minimum of what's needed to live comfortably. After appraising the premises it would take £25,000 extra to bring it in a acceptable state with double glass windows, electric boiler, a heating system, isolation and a new kitchen including fixtures and fittings.It was my mother herself who pointed me to go the bank. 'the bear pit' as I called the branch of the Royal Bank of Scotland. It appeared, without my knowledge, that the mortgage my parents had was with this bank and that they were willing to take a personal loan into consideration. Imagine how I must have felt.The branch manager, who knew her personally gathered the information he needed to make a calculation and came back with me the other day by phone, advising me to go into a personal loan other than into a mortgage for such a 'low' amount. To finish things: I had a quarrel with my mom that night. I was called old fashioned while I found her naive, not knowing the truth about banks in common.The outcome was that I decided to accept the personal loan as offered, for reasons as she said 'care for me in an elderly home is not going to be cheaper in the future. This is the best we can get.' What surprised me most of all was the bank's willingness and patience to understand me, hearing my reserves against them. For me it means there's still hope.

Review posted by Ron McNaber

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm not the kind of guy who sends letters easily of to write a review. This time I make an exception because I do think it can be useful to others.I needed a loan to consolidate my debts with a few banks that haven't been much profitable to me. My plan was to go to the Royal Bank of Scotland. They told me to wait 6 months before opting for a loan as that period is what it takes before they can help me.Not entirely what I had in mind. Applying for the loan itself was very easy. The bank's Quick Quote calculator fills out the application form on their website automagically. The APR interest rate turned out to be acceptable for me. Too bad the result of it all was that now I cannot proceed with my plan.After all a good idea. However, this rule isn't very attractive towards potential customers of this bank.

Review posted by Mick McCormick

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I lived and worked in Edinburgh for many years and when I moved back down to Yorkshire I stayed with RBS because I had been very happy with them and saw no reason to change banks.I think that loyalty has paid off because the personal loans I have had with them in recent years, including my current one, have been as good if not better than any of the other personal loans that have been on offer with most of the other loan companies including the other High Street banks and for that reason I will continue to bank with RBS and consider them first every time I need a personal loan.

Review posted by Brenda White

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Although I've been living in England for many years I have never felt the need to change banks, preferring to stick with RBS who I have been with since I left school and got my first job working for a very famous whisky distillers.My wife is English and she still has her own bank account with Barclays but when we were looking for a personal loan to pay for an extension on our house it was RBS that came up with the best deal for us. Both banks have provided us with a good service over the years otherwise we wouldn't still bank with them but when it came to the crunch RBS was the better option for the loan.

Review posted by Colin McInley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Although I was born in England both my parents, who are sadly no longer alive, were born and bred in Glasgow and so when I opened my first bank account I was influenced by my parents and went to the RBS. My dad in particular was very patriotic and was very happy when I told him who I was going to entrust with my hard earned money.Over the years the RBS have served me well and so when I needed a personal loan to pay for my daughter's wedding I naturally looked to them first and I am very pleased to say they didn't let me down. I was able to borrow the amount I needed at a rate that even my canny Scottish parents would be satisfied with so that's a good enough endorsement for me.

Review posted by Don Mitchell

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As most modern banking is done online nowadays it doesn't really matter where you live. And so getting a personal loan with RBS when I actually live in Devon isn't so strange.The simple fact of the matter is I wanted a personal loan to buy a boat and RBS were able to offer me the best deal.Most of the process was done online and things were finalised after a couple of telephone calls to clarify a few details. From start to finish the whole process was straightforward and hassle free and so I wouldn't hesitate in recommending RBS to my friends.

Review posted by Martin Anderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My girlfriend and I live in London but our hearts are in Scotland where we met when she was at University. I was living there at the time with my parents but moved down to London when my girlfriend graduated. I was lucky that my job enabled me to get a transfer to the London office so I didn't have problems finding a new job.When we decided to get married in a beautiful Scottish castle we knew it wasn't going to be cheap and that is why I applied for a personal loan with RBS who I had banked with for several years.They were really helpful and the package they put together for the loan was really competitive and I was hard pushed to find anything better so I accepted the loan agreement and we are now busy planning our Christmas wedding in Scotland and we don't even mind if it snows on the day!

Review posted by Stephen Murray

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Blam! That was another appliance gone to the dogs in a month time. For some unclear reason the main switch in the fuse box of my apartment got switched off, leaving me and my wife in complete uncertainty about what it eventually could be.An investigation by British Gas did not bring the answer I expected though. The reason was that the fuse box had been installed in the wrong way. The amperage was too low and the main fuse was of the wrong type! But what really bothered me was the attitude of the mechanic. He told me it was me who caused everything to tilt, but it wasn't me but most probably the former tenant, a young bloke having nothing better to do than to mess with the power supply I guess.End of the story: my TV set needed to be replaced as the internal amplifier was blown into pieces and technicians in my house the other day for replacing the entire fuse box with a decent one.Not so great: I had to take out a loan with my bank, the Royal Bank of Scotland as my insurance did not cover the damages made. Shoot! The only advantage was the speed the bank worked with as the other day I had 1250 quid on my account which allowed me to have a new set delivered the very next morning. For my rating: see below.

Review posted by Hal Combs

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been banking with RBS since leaving university and settling in Edinburgh with my girlfriend who also banks with them.When we moved into our new flat we needed a bit more than the bare essentials we had been getting by on in our student digs so we decided to both apply for a personal loan and use some of the money for furniture etc. and the rest for a trip to New Zealand before we settled down and got into all the serious stuff of marriage and babies.My loan was with RBS because I just liked the whole ethos of using a 'proper' bank and my girlfriend applied for a loan with a well know High Street store who shall remain nameless.Both our loans were for the same amount over the same period but my deal was better to the tune of several hundred pounds hard cash saved on a lower interest rate. My girlfriend was still happy with her deal apparently because of some so called clubcard points she got because of her loan.

Review posted by Angus Scott

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm a scotsman living in England but somethings never change and my loyalty to RBS is one of them. I have been banking with them since I was in my twenties and still living with my parents in Edinburgh but saw no reason to change banks when I moved down to the south with my new job.My wife was one of the best things to come out of the move down south as I met her on a night out in London and before I knew it we were engaged to be married. This is our first loan with RBS since being married and our much anticipated first child is the reason for borrowing the money so that we could extend our terraced house to get a bit more space for when he or she or they (there are twins on both sides of our families!) arrives.

Review posted by Alistair Fermoy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Although I bank with RBS I have taken out personal loans with other loan companies before but they were only for small amounts over a short term period.When I needed to borrow considerably more to have new windows put in throughout the whole house I decided to go with a personal loan from RBS.Their interest rates were not much different to some of the other banks and high street store loan companies but I sometimes think it is better the devil you know and so because of my long standing relationship with RBS it just felt right to go with them on this occasion.

Review posted by William Stewart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I took out a personal loan with RBS, having been customers of theirs for many years, to help our son and his wife when they were in some financial difficulties and stood to lose their home because of it.We needed to get things moving pretty quickly as my son had not said anything about the problems they were experiencing until they were weeks away from having their home repossessed.Thankfully our relationship with RBS stood us in good stead and they pulled out all the stops to process our loan and get the money to us as quickly as possible. We were able to stop my sons house being repossessed and give them a bit of a buffer until their finances improved.

Review posted by John Shearer

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Personal loans from RBS have played a very important part in my life over the past 15 years. The first loan helped me to set up my own business and the second one paid for my wedding. This most recent loan is to treat myself and my husband of 10 years to a a Mediterranean cruise to celebrate our milestone wedding anniversary.I know there are lots of other loan options out there but when you have been completely satisfied with the service you have received it seems only fair to reward that good service with your loyalty. That's why I felt I wanted to post this review to thank RBS for their help over the years.

Review posted by Beth McGovern

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have had my current account with RBS since my first job leaving school at 16 years old. i have not had any issues with my account, my wages go in and i take my money at the cash machine. I have no direct debits or bills as it is a stander account. When i was looking to buy my first car i went to RBS first as i had an account with them and though they could help. My current account has now been upgraded into a debit account with a meastro card now and my payments for the loan were set up from this account for me. Still use my card for the account the same. Happy with the easy service Elsa Smith

Review posted by Miss Elsa Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I believe to give credit where credit is due, and my service with The Royal Bank of Sscotland has always been good. I never had any accounts with RBS and only applied for them because of there APR rates were good. I was happy i didn't need to be a customer to apply for a persona loan and i done this in the local branch in Lancaster. Took around 10 days in total to get everything finalized and the money in to my account with another bank. I still get consistently good and helpful, friendly and sensible service from my local RBS in Lancaster.

Review posted by Charlotte Down

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS loans department have helped me out so much, they are clued up on what they are doing. They accepted me for a £4,500 loan and sent me an email to sign the agreement electronically.I have never heard of this system before and though this was a great way to save time. I then hearing nothing for a two days and decided to call them back up. I was then told they needed payslips, although my wages have gone through my account for the last 6 years and could see this. I sent my payslips and finally everything was finalized. I did take more time than i expected so i am glad i did not need the funds in no real rush.

Review posted by Ruby Rose

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have my current RBS royalty account holder that gives me benefits and discounts monthly and also cover my mobile phone. I have my savings and is with The Royal Bank of Scotland and have trusted them to keep my money safe all the time. So when it came to looking to borrow money i contacted the people i trust. Being a RBS loyal customer for more than thirty years and have never needed any financial help until recently i was happy when they could help. RBS have always been out standing customer service and have not let me down. Keep up the good work!

Review posted by Marc Bates

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Last month I changed jobs and some standing orders took me into my overdraft on my current account. On the same day my Loan repayment to RBS also comes out, taken me £36 over my £100 agreed Overdraft limit. I spoke with RBS to see if they could help me as my loan is with them and it came out there bank account. I was advised this was not the first time it had happened and can result to a charge of £6 per day untill i am back in credit on my account. I asked so many questions about charges and did not get a straight answer was no annoyingly repeatedly told fees come out at the end of the month. This customer service agent i spoke to is the only one who has been un helpful in all my experience with RBS. I spoke with there loan department who were happy to refund the charges due to my payment that took my over was to my loan with the same bank. I have since reconstructed my personal loan all in to ony loan with RBS , this was easy to do with the help and assistance of Great employees at RBS. Thank you

Review posted by Amber Willow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I went into my local RBS when i applied for my loan. I done a little research online and had a look at some customer reviews and comparison banks to see what others had to offer. RBS online was helpful and gave me all the information of what identification i would need when applying for a personal loan. I went to my local branch and made an appointment for later in the week. This is the fastest way to get the money in to your account and sign all the paper work as this is all done in person. If dealing with money i would always recommend your local bank and also in person.

Review posted by Georgia Jackson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The Royal Bank of Scotland have always been loyal and reliable as a bank. They are always so poliet and welcoming each and every time i go in to my local branch and i have friends who do work with this company. I have alot of services with RBS from my bank account, savings and mortgage. First time buyer we took out a mortgage at they end of 2013 and have been pleased as to how wel RBS handle them self as a Bank. Today i have applied to take out another account with RBS and this is a small loan to decorate the youngest bedroom. I am waiting on the confirmation but i feel confident that RBS will help me out again

Review posted by Mr J Lee

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am really happy with service i have had with The Royal Bank of Scotland. I have been with The Royal Bank for almost thirty years now and I have always had the same checking account and my Mortgage also with RBS. I have always had a good service from RBS over the years, and more so recently. Having never borrowed from my bank before i was surprised as to how prompt and efficient this process was to make a request for a personal loan. I was looking to apply fast as I needed a loan right away and they connected me Asap with a trained member of the RBS team who could go threw my lending needs who could provide the funds almost immediately in to my bank account when accepted. I would like to say Thank you to RBS they have always been my local bank and i have always had a pleasant service with them. I can not fault them in any way.

Review posted by Mrs Agna Woodburn

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have mostly positive things to say about The royal bank of Scotland, as always i have found everything with them pretty easy to understand, and easy to use services. I have always felt safe using the royal bank of Scotland and i love having the benefits of their network online. I have had taken advantage of some lovely deals threw out my time as a customer with RBS and now again this is no different when i used RBS for my car loan. I applied online as this is the fast option to me for applying for the loan. This was a little annoying as it was a manual check but i was contacted by the bank them self to ask me further questions. I liked how RBS contacted me so i did not need to call and waste my own money they made me feel like they wanted my service and called me to sort it all out. The only thing i didnt like was the loan money when accepted and processing the loan the money is not same day funds. There is paper work needed and this was a process to be sent out, not impressed. How ever the lovely adviser who did contact me advised if i went into my local branch paper work can be printed and signed there. speeding up the money being sent to me.I would like to thank RBS for a easy and nice reliable service of the years. An i hope my new loan service with you will be as easy and takes care of its self, like my other services.My only complaint is that I didn't get my loan the same day...

Review posted by Emma Ingles

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The Royal bank of Scotland Online website does exactly what it says with no strings attached and no fuss. There was no set up or application charge for my loan and there was not hidden charges or payment charges when paying this off.It was easy to do. all you need is to fill out the form online, you get a selection of payment options to choose from. An can borrow with them for up to 5 years , 7 depending on the cash amount. It's all really easy actually and your personal information stays protected and safe. I picked the loan ammount suitable to me and the time scale with the most affordable option of repayments, and got approved the same day i applied. In saying this i do really like the RBS site and how helpful i have found this. After they online application i did need to wait around 6 working days for the funds to be clean into my bank account, due to documentation being sent back and forth between me and the bank.

Review posted by Simon Saiyas

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am very impressed by the speed of this service and how legitimate the process was when filling out my loan application with The royal bank.I have been with RBS years, years and i did think of anyone else when it came to borrowing money, i always stay with my own. My locak branch in glasgow is always buy and a pain to get to speak with someone, so i done this application as you call it, online. I though when or if i was accepted i would then take my ID to my branch and get the money.The form its self took around 15 mins and got my loan within a few hours. i picked the lending options myself out of the options given and i am very happy with the loan i chose. Everything was simple and i knew the site was safe, which was very important to me. I would recommend this to absolutely anyone to do the same if looking to borrow money, borrow with RBS. Have never let me down

Review posted by Lee Caio

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS Online i found is a great way to get a loan if you can't or don't want to go in person to a local branch. The application is around 15 minuets and can be alot more faster if you all ready have an account with RBS online. Online banking is a god sending, and i love having this service, i don't know how i managed with out it. I feel RBS offer a very safe way and controlled and manage your money and no hassle or time of getting or going in to a bank. Before i applied for the loan with RBS i did have a look at some competitor options and I did read a lot of reviews and information on line. The RBS site i felt content knowing how safe the process was and I felt comfortable giving additional information. RBS have gave me a great loan and I would definitely use this service again!

Review posted by Jenny

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a loan to do some remodeling at home. I was looking to borrow £12000 over a possible 12 to 18 months if the APR was reasonable i would pay this back fast. My mortgage has been paid off a little over 5 months now and as a full owner of the house i was looking to make some changes and well deserved upgrades! I knew that going the traditional route through my own bank would be nothing but complicated and I wasn't sure my bank would lend me the money as i did have the best record with them. They offered me a 12 months loan for £12000 with a APR if 9.6% ... shocked and out raged i did shop around.!This was plain easy to do with RBS I called the customer service line to make sure I was doing it right and they talked me through the entire application process. I was approved right away and got to pick my own loan term from many options presented to me. I have been very happy with RBS and they did offer me a better rate then my own bank so i did once paper work recieved i signed and sent back to accept the loan. Thank you RBS , and THANK your APR rates... i was accepeted with a rate as low as 5.8% The money was available the very same week for me.Would certainly recommend.

Review posted by Ribbon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a loyal Royal Bank of Scotland Customer and have been going on twenty years. I have recently joined there online line banking service as a team member at the local branch helped set this up for me. With time changing and things moving on i wanted to make use of all the best options to me. I do like RBS online site and has taken me a few weeks to learn to navigate around and log in and manage me accounts. I find the site layout is clean and easy to use and move around the system, also the information on the application process is consistent and informative. There is no need having to fill out forms just to find about the service. This sevice is helpful in that it matches all your borrowing needs. saving time and frustration when applying for a personal loan.

Review posted by Mrs H Hillbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I called The royal bank of scotland for help when i was looking into borrowing money. Being a long term account holder with the royal bank i though of them first. So i called them up. Always happy to help i spoke with Nadina is a uk call centre and she ran threw some lending options with me. I then took some time to speak to my wife about there credit card and personal lending options. We both decided the loan option with a fixed APR rate and affordable payments would be better for us. A Credit card has the option of re use and APR rate goes up after the offer period. My wife and i agreed it would be best to apply online as it would be a fast process to fill in. This website is very user friendly in the setup. Its services are extremely helpful and the website is simplistic in design making it so easy to read and understand. They have a step by step process and a log in if you have a RBS account. This makes answering your own questions and starting the application process easy. I would definitely recommend this company.

Review posted by James Logan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm not really one for borrowing money as I tend to make do with my earnings which are pretty substancial, having been in a managerial position for a number of years. However a short while ago the need arose for me to apply for a personal loan from RBS and having always been a client of theirs, they seemed to be the right option.It was all done online and using the ''Quick quote'' everything was made clear in terms of the amount I could borrow and the interest rate I'd be paying.The amount I requested was £7000 and RBS agreed to a repayment period of 36 months at a fixed rate. This was all completed with very little red tape and the money was soon made available. Thank yoy RBS.

Review posted by Michael Asherson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Like most relationships you have your ups and downs and that probably applies to most people's relationship with their bank as well unless they are particularly fortunate.So even though I have had a few disputes with the RBS over the years that I have been banking with them they always get resolved to my satisfaction and that is why I will always go to them first when I need a loan.This recent loan is to help pay for my grandson to go the a private school. I am not against the State education system but my daughter was really not very happy with the state school her son would have to go to and was looking at the possibility of getting him into a private school nearby. I said I would help with the school fees for the first year to see how he got on.RBS were very helpful when I had a few queries after doing the online application and within a week we had the loan sorted and my daughter was already arranging an interview at the school she had chosen for her son. If he gets in and he likes it I can see me taking out another loan in the not too distant future.

Review posted by Gerard Davids

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I chose RBS for my first personal loan because RBS were my first proper bank after leaving school and getting a job. Up until then I had relied on a bank account that my parents had opened for me when I was a kid and as my earnings from various part time jobs generally didn't stay long in my account I didn't really take a lot of notice of it unless I had a disaster like losing my debit card or something.I am obviously much more responsible now and I chose to bank with RBS after giving it a lot of thought and I am glad I did because when I applied for this loan to buy my first car I was sure my age and salary would go against me even though I am over 18 and have been with RBS for nearly 3 years.I needn't have worried because RBS have a Quick Quote calculator that more or less tells you straight away if you are eligible for the loan amount you want and according to it I was.So now that I have just had the money transferred to my account I am going to start looking for another first for me which is my new car of course.

Review posted by Niall Fergusson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been banking with RBS for the best part of 10 years now and during that time I have had three personal loans with them. The first was to help pay for my wedding, the second to buy a bigger car when my wife announced she was pregnant and the two seater sports number would have to go. And this third but hopefully not final one is to pay for my wife and I to go on a romantic holiday to the Maldives to make up for the honeymoon we never had.I did take the time to look at other loan options on a loan comparison website but none of them were competitive enough to win me over from the RBS who are still worthy of my loyalty and long may it stay that way.

Review posted by Bernie Stewart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My husband worked for RBS for a few years when we first got together but that is not why we are still customers of theirs. It is because we don't believe in change for the sake of change and we have never had any major issues with RBS that would make us want to change banks.My husband isn't in baking anymore but he still keeps his eye on the ball as such and when we decided to get a personal loan to buy our daughter a pony for her 18th birthday we didn't hesitate to go with RBS as we had done for previous loans.As I said earlier we don't believe in change for the sake of change unless of course there was a much much lower interest rate available with another bank or loan company but it would have to much much lower to persuade us.

Review posted by Sheila McKinley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I left school I opened an account with RBS because that was who my first job was with. However it didn't take too long for me to realise that working in any bank not just RBS wasn't really for me because deep down I had always wanted to be a vet.Well now I am a newly qualified vet and I am still with RBS as a customer which is really helpful as I have just applied to them for a personal loan to help me set up my own veterinary practice and I am pleased to say they have approved the loan without hesitation. I already have my eye on a suitable property to covert into a small but well equipped surgery and I couldn't have done it so quickly without the loan from RBS.

Review posted by Aiden Dingle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The last loan I took out with my previous bank about 10 years ago involved taking the morning off work to go and speak to the Loan Manager in person at my local branch. I don't necessarily agree with all modern things that are changing the world on a daily basis but the online loan application service that banks like RBS are offering is the right way to go especially for people like me who can't afford to take too much time off work.With my son's help I filled out the online application form by way of the RBS Quick Quote calculator and after a bit of adjustment with regard to the amount I wanted to borrow and over what time period, my loan was approved.I have just had confirmation that the money is in my bank account and I just wanted to share my positive experience of applying for a loan in this modern way and in particular with RBS.

Review posted by Declan McBride

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I only just qualified for my loan with RBS because my 18th birthday was just last month. But I have been banking with them for over a year since leaving college and getting my first job.I wanted the loan to pay for a car as my new job involves a lot of travelling at unsociable hours and I can't always rely on public transport to get me to some of the out of the way places that I have to go to in my job as a painter and decorator.My girlfriend helped me with the online application as I am not very good with typing but apart from that I found the whole process very easy and straightforward and as soon as the money was deposited into my account I asked my girlfriend to type this review by way of thanking RBS for giving me the loan.

Review posted by James Flynn

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After discussing it with my husband I decided to apply for a personal loan with RBS to pay for our son to have private tuition to help with his maths and English grammar. He had been in and out of hospital from a very early age and had missed a lot of school time because of it. He is now fully recovered but we could tell he was struggling with his schoolwork as a result of it.I have just completed the online loan application with the help of the RBS Quick Quote calculator and I am delighted to say we have been approved the loan in principle and are just waiting for the formalities to be completed and then the money should be in our account within a few days. Then we will be ready to get the private tutor we have lined up to begin the task of getting our son up to the standard we know he is more than capable of attaining because deep down he is a very clever young man and we are very proud of him.

Review posted by Ellen MacDonald

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Even though I have been banking with RBS for a number of years I haven't always gone to them first when I have been looking for a personal loan. I thought that perhaps the companies that specialise in personal loans would be the ones to offer the most competitive rates but time and time again I found myself reverting back to RBS.For me the competitive interest rates are an important factor but getting the best overall package is equally important and so even if there is a slightly lower interest rate somewhere else it usually comes with terms and conditions that I am not entirely happy with.So for the the time being I will stick with RBS for this particular personal loan as I like the package they have put together for me but I will always check out the loan comparison websites for any future loans just in case there is a better option to be had.

Review posted by Jim Prentiss

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been a satisfied customer of RBS for several years since coming back to the UK after working abroad for most of my early career as a teacher teaching English as a foreign language.My elderly parents are virtually housebound now and my sister and I decided we should share the responsibility of looking after them for as long as practically possible. We don't consider it a burden or a task because both our parents are still mentally alert and we enjoy spending time with them and cherish every moment we have with them.Anyway, my personal loan with RBS is to pay for some home improvements in our parents bungalow to make things easier all round when it comes to the practical things. The bathroom is our main priority and now that I have just had confirmation that the loan money is being deposited into my account we can give the builders the go ahead to start the work while my parents are enjoying a change of scenery at my sister's house for the next week or two.

Review posted by Vincent Skeltern

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Hi there, I found myself through some hard times last year and had to borrow money from a few friends and family. I needed to pay these people back as I dont want money issues between us anymore.I decided that the best thing I could do was to settle 4 different "friendly-loans" with 1 bigger loan from the bank.I found this company to be quite solid as I got my money in a few days and was given very decent rates. The person who I dealt with was very professional and deserves my respect.You know where to come if you need a quick cash boost :D

Review posted by Mckenzie

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I just recently got divorced from my husband of 20 years and although we parted as friends there was a slight problem. Together we had bought a nice small cottage and now he would have to buy me out, or me him... As I was keen on staying, I suggested that I buy his half. He settled for £60 000 which I accepted as I knew it was a very fair amount as the cottage was worth a lot more, however he was willing to take a loss just so he could move on and allow my kids to stay with me. My parents gave me £35000 so I needed another £25000. I debated for a few days on which bank to approach for the loan and in the end decided to apply with the Royal Bank of Scotland as they allow you to pay over 7 years which to me sounded like the best deal because I did not want to risk defaulting were I to opt for only 5 years...which is what most banks offer. The loan was approved and I am very thankful to RBS for the speedy and positive decision.

Review posted by Susan Frost

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was my parents 50th wedding anniversary so I felt that a very special present was in order. My mother has always wanted to wear a set of diamond earings and necklace but could never afford it...so I felt this would be the perfect gift. For my dad I decided on a gold chain too, something not too showy but classy. The total was close on £4000 but as I could afford £2000 cash I applied on line to the Royal Bank of Scottland. They approved the loan over 24 months and were rather quick at making this decision. The money was credited to my account the following day. It was an uncomplicated process and they were professional

Review posted by Frank Johnson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This summer my wife and I went to the Greek Islands on holiday. We had been saving for some time but were still on the short side, so therefore applying for a small loan from the Bank of Scottland seemed the best thing to do. I had applied to them before and had been impressed with their professionalism and interest rates, so it made sense to approach them again. I asked for £2000 over a 12 month period after checking what the instalments would be on their calculator. Just like the first time I applied, they were quick at making a decision and putting the cash in my account. I'm overall pleased with them.

Review posted by Stefan Cook

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I fell in love with a speed boat when I went to the boat show a few months ago.I made my mind up there and then that I would buy one still this year.I went on line to Readies.co.uk and made various comparisons to try to get the best possible deal.I decided on the Royal Bank of Scottland for a few reasons.The interest rates looked fair and they would be fixed for the total duration of the loan, also it is a well known bank so I was bound to be safe.I applied on line and must have met their criteria as they gave me the £6000 loan over 36 months. The repayments I'll be able to meet and I'll have my dream boat. Good result!

Review posted by Christopher Randall

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a personal loan of £10 000 and for what better reason than the fact that my eldest daughter was getting married. Having been with the RBS for many years I approached them for the loan and they were really helpful. My financial and residential status were checked and the loan approved. I opted for the longest period to pay back as I wanted no pressure and the money was transferred into my account soon thereafter. The really good thing is that it was a fixed rate loan which meant that my instalments would not change for the duration of the loan. Thank you RBS.

Review posted by Ralph McCormack

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Let me start by saying I am currently a customer of RBS and have held an account with them for about 5 years. So once I had decided to get a personal loan the first thing I did was to go online to RBS's Quick Quote calculator to get some idea of what I could borrow and more importantly, at what interest rate. The Quick Quote calculator is a very good feature of RBS's online loan facility and saves you a lot of time, especially if like me you are not the fastest user of a computer keyboard.Once I had that potential loan quote I then went ahead with checking out some other loan company websites so that I could do a comparison with the RBS quote and because it wasn't just a case of who was offering the lowest APR but more to do with weighing up the pros and cons of the overall loan package, it was a while before I came to the conclusion that the RBS quote was my best option.The reality of this is that for the sake of an extra hour or so researching more than one loan company I have ended up saving myself a bit of money and have a loan that suits my personal requirements. The irony is I could just have opted for the RBS loan in the first place but then I wouldn't be posting this particular review if I had done so.

Review posted by Nigel Biggins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Lots of my friends have taken out personal loans recently and not all of them have had good experiences with their particular lenders. So when I needed to get a personal loan to pay for a new kitchen I was a bit worried about getting myself into trouble by choosing the wrong lender.I spent hours going through several websites to check out all the different banks and loan companies only to end up with my own bank RBS as my best option. I really liked the fact that I could use their Quick Quote calculator before having to commit to anything and I think that is one of the reasons I chose to get my loan from RBS because I knew exactly what I would be signing up for right from the word go and it didn't seem too bad at all. Maybe some of my friends should have tried RBS's Quick Quote calculator before they committed themselves to their loans. I'll be sure to tell them about it in any case.

Review posted by Wendy Tennyson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It took me less time to apply for my personal loan with RBS and get it approved than it did to choose and book my holiday to the Maldives.The personal loan was to pay for the aforementioned holiday and I wanted to get the loan asap so that I could surprise my wife on our 5th wedding anniversary next month with the honeymoon we couldn't afford at the time of our wedding.We had taken out a personal loan with RBS to help pay for the wedding and so now 5 years later I was in a position to be able to afford another loan and would not have gone to RBS for it if they weren't still offering such competitive rates with equally affordable repayments. I found that with a lot of other lenders you have to sacrifice one for the other and that just wasn't for me.

Review posted by Jonathan Bourne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I thought I would write a review to tell anyone interested in getting a loan from the Bank of Scotland, what a neat experience it was. I had decided to pay for a holiday using a bank loan instead of touching my savings. I looked at their website and did the quick quote to find out what the repayments would be and what interest rate I would get.It was a pretty cool to see the computer working it all out for me and I was pleased with the result of course because it was a positive one. I liked the process as it was quick and easy and the money appeared in my account almost immediately. I am happy with the interest rate I received and think its comparable in today's market. Another satisfied customer that had to tell.

Review posted by Dave Scotts

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have had an account with the Bank of Scotland for a while now and figured I could finance a project by applying for a personal loan with them. Not having applied for a loan before, I was pleasantly surprised at how accommodating they were and answered the few questions I had before applying.The interest rate they quoted and the repayment amount wasn't bad at all and fitted my budget, so I went ahead and funded my project with their money. The loan amount was deposited into my account within a day or so, after applying so I was well pleased with the speed that they responded.

Review posted by William P.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Within a month of retiring my car decided it was going to retire as well. Being without a car to get out and about to do all the things I had been looking forward to in my retirement was not an option and I had to find the money to buy another one quickly.I didn't bother getting quotes from any of the lenders that I looked at on the website because I really just wanted to get an idea of what the going rate is for a loan of this sort before going to my own bank.Because I am retired I had to make my application over the phone but I didn't mind that as I prefer to speak to someone when discussing this sort of business and had I been able to get the old car working I would have driven to the branch and spoken to them face to face.After a long but very helpful discussion with the RBS Loan Adviser at my local branch we were able to come to an agreement for a loan amount at repayments that would suit my retirement budget. I have just had a call to say the money has been transferred into my account and my wife and I are going to start looking for a new car, and hopefully one that will see us right through our retirement years without breaking down.

Review posted by Peter W.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been an RBS customer since my university days and still prefer to bank with them because they have been very helpful and understanding over the years especially when I was struggling financially as a student.So when I moved into my new flat and had to find the money to make it more habitable after what looked like years of neglect, I worked out an estimate of how much I would need to get the work done and then went to RBS to see if I could get a personal loan.Thankfully they were more than happy to lend me the money and were even able to improve on the Quick Quote calculation I did initially. Within less than a week I had the money and the work on my flat is about to start. So thanks to RBS I can look forward to a nice new kitchen and bathroom before we see in the New Year.

Review posted by Robyn T.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My previous and first loan with RBS worked out very well and I have recently made the final repayment on it. That loan was to pay for a cruise for me and my wife to celebrate our 10th wedding anniversary and we managed the repayments on it very easily and at no time were we struggling financially to do so.We are now in need of a new car and I did initially consider going down the dealership finance route but decided against it because of various reasons but mainly because I knew RBS could give me a better interest rate on the loan and more importantly the car would be mine legally from day one. I had heard stories from friends whose cars had been repossessed because of problems with late repayments and didn't want to find myself in that situation.My new loan has just been approved at a very competitive rate and with repayments that are easily affordable for me and whatever unlikely problems I might have with RBS with regards to my loan repayments, my car is still my car legally and that is what helped me make my final decision about getting the loan with RBS.

Review posted by Conrad P.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

One of the reasons I bank with RBS is because I don't want to have to check out the competition to make sure I am getting a competitive deal whenever I want to borrow money.Everybody's loan requirements are different and just because a lender is advertising a low APR for their loans I know from experience that 9 times out of 10 you end up with a higher APR.With RBS I know I can just go online and use their Quick Quote calculator which fills out the form for you and if I like what I see and if RBS are happy to approve it then what more do you need from a lender?

Review posted by Bernard Selhurst

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am not quite sure what you are supposed to write on these reviews but I just wanted to say that I am sooooo happy with my very first personal loan from RBS that I could kiss next door's Rottweiller!I have only been working 3 years since leaving uni and although I have been banking with RBS since I was in my last year at school, I have never had the need to borrow money in this way and certainly not for this amount.But the opportunity to join some friends on a trip to Australia and New Zealand over Christmas and New Year was something I just couldn't miss out on and that is why I approached RBS for this loan.I could have done the application online but I had a few questions to ask before commencing with the loan application and it suited me better to pop into my local branch and speak to the staff there.They were so helpful and before I knew it the application had been made and they said they would contact me as soon as the official approval was given.So after a quick look at my bank balance I can see the money has been transferred and like I said, I could kiss the neighbour's dog but I think I'll play safe and just throw it a bone.

Review posted by Cathriona

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

2015 is proving to be one of the best years of my life after meeting the girl of my dreams, moving in together and if everything goes to plan, proposing to her on Christmas Day.Of course I can't give RBS credit for the first two but the proposal definitely wouldn't be happening without the personal loan I have just got from them to buy the engagement ring.After deciding how much I wanted to spend on the ring I went online and used the RBS Quick Quote calculator and was relieved when I got an immediate decision. Now that the loan process has started I need to get to the major task of finding the right ring and thanks to RBS it is going to be a very special ring just like my girlfriend.

Review posted by Stuart Reagan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My mortgage is with RBS and I have always been satisfied with their banking practices. I needed to find a personal loan for a short time to pay for some renovations to our summer home. It seemed appropriate to use RBS as they knew me as a customer already.I went on line and plugged in the amount I was thinking of borrowing. The application was easy and understandable and when I used the quick quote calculator is came back with all the pertinent details already filled in on the form. That was painless. I felt the interest rate they quoted was reasonable and the repayment amount was doable so I accepted their offer and they came back with an immediate decision. Another satisfied customer.

Review posted by Stephen D.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been with the Royal Bank of Scotland for a while now and always found them to be a professional outfit with good customer service. I had been thinking of getting rid of my credit card debt as I was paying a lot in fees and interest rates, so to consolidate the amounts in one loan with a better interest rate seemed a good idea.I wanted to keep my finances in one place really so decided to apply to RBS for a personal loan to see what they could offer me. I went on line and completed the application which was fairly simple. I used the quick quote calculator and was really surprised at the interest rate they offered, which was a lot lower than the cards I was paying on. This had been an excellent choice. I accepted their quote and waited for a decision, which came fairly quickly. I received the money into my account within a few days and was able to pay off my cards.

Review posted by Leonard Sewell

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS have just sorted out a brilliant loan for me so that I can go to Vegas for my best friends stag weekend.I didn't want to borrow too much because the temptation to gamble it all would be too hard to resist but I wanted enough for the flights, hotel and a reasonable amount of spending money. I was kind of hoping that I would have a bit of luck and maybe win a bit more than I lose in the casinos.Either way, I have just had confirmation that my loan money is being transferred to my account within the next 24 hours and I just hope I manage to have some fun in Vegas whilst keeping an eye on the groom who has a tendency to get himself into all sorts of compromising situations when he has had a few drinks!

Review posted by Will

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

With the loan I have just got from RBS I am going to make sure my wife and I have the best Christmas ever this year.We have been married for 5 years and so far every Christmas has been a nightmare for us in one way or another. This time I'm leaving nothing to chance and I am taking her away to the Maldives where we can just relax on a beach and be waited on hand and foot without a single turkey or mince pie in sight.Don't get me wrong my wife and I love the whole idea of a family Christmas when everything is going well. And when we have our own children we know it will be great fun, but for the time being its all about us and Santa has come a bit early for us in the form of the great loan RBS have given us.

Review posted by Scott Minchin

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been with RBS since my days at university in Dundee and it never occurred to me to change banks when I moved back down to the south of England. That's one of the benefits of online banking and I am glad of it.My personal loan with RBS was not my first experience of borrowing money but it has certainly proved to be a much more pleasurable one. I have to admit to making a few 'school boy' errors in my early days of working after university and payday loans were a bit of a weakness of mine. I managed to get out of the habit in time to sort my credit rating out and get back to a healthy financial status.Because of that I was able to get an exceptionally good interest rate on this loan and together with the easily affordable monthly repayments I can make the most of the money I borrowed. I plan to get down on one knee and propose to my girlfriend and then take her shopping for a ring of her choice. I figure if I'm spending that sort of money it has to be on a ring she really wants so I'd better let her choose it.

Review posted by Laurence D.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

In all the time I have been a customer of RBS I have never taken out a loan with them until now and I have to say I really wish I had taken advantage of this service before now. I had always assumed borrowing money from your bank was a necessary evil and to be avoided at all costs if possible. But the reality is it is just a modern way of allowing people to make the most of their money and provided you borrow from a responsible lender it really can be a good thing to do.I have convinced myself of that now and will enjoy planning my summer wedding thanks to the personal loan from the RBS who not only gave me a very favourable APR but they monthly repayments are not too bad at all and its only what I would have been spending on all sorts of things that I really didn't need so that makes me feel even better, if a tiny bit smug as well.

Review posted by Carmela Reagan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

While paying all my monthly bills one day I realised that I was paying a ridiculous amount of interest on some debts that were really nondescript and thought about how good it would be if I could settle all of them and pay one instalment at a favourable interest rate. So that's what I did. I applied online with RBS for a personal loan of £10000 and asked to repay over 5 years at a fixed rate.Obviously all my credentials had to be checked to confirm my credit status but this was very quick and the loan was approved. All that remained was to sign the loan agreement and the money was mine. I enjoyed the fact that there was so little red tape and I've settled all those irritating little debts and now only pay RBS one instalment via a debit order. This has changed my life. Thank you RBS.

Review posted by Simon Liddle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed to do some alterations at our house and had been putting it off for years but now things were becoming critical. We had damp and roof leaks you name it. I got a few quotes and the best one with guarantees was about £8000 and being a client of RBS decided to approach them for a personal loan to cover the costs. Certain credit checks were carried out and the loan was approved. RBS were so efficient. They also understood the need for urgency and the next thing I knew the money was in our account. We chose to repay over 4 years at a fixed rate. This suited us down to the ground.RBS are to be recommended..

Review posted by Raphael Weston

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It's been some years since the wife and I have been on a real holiday. We've been married for 14 years and we went on a Caribbean cruise for our honeymoon and we still talk about it today. So we decided on a Mediterranean cruise this time and while my wife did the choosing I popped into our local RBS and requested a personal loan of £5000 to repay over two years. The staff at RBS are so helpful and very soon the loan was approved. All the criteria was met because the money was soon in our account. The beauty about this type of loan is that the rates are fixed and you can debit order your monthly instalments and they will not change for the entire repayment period. We had an unbelievable time all thanks to RBS.

Review posted by Richard Bannister

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was approved in next to no time with RBS and received the money in the 2 weeks i was promised. The quick approval meant I could use the funds to secure my home move from London to Glasgow.I think in my case when applying for a loan it was a perfect application process. It is important to have a good understand of the loan and agreement before you apply and RBS online gave me everythinf i needed to know. I expect that people who get into financial problems with loans if they do not understand the process fully and the outcome if you can no longer stick to the agreement policy.I would say that it has all gone without a glitch from the very start to where I am now, it has been a good and smooth experience I have successfully made 3 months repayments.I am completely satisfied that I made the right decision to bank with royal Bank of Scotland.

Review posted by Stacey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My bank account and savings is with Royal Bank of Scotland and I have always been satisfied with their banking services, and I use many of them. I needed to find a short term personal loan to pay off and close the temptation of my credit cards and get them away from me. To me it seemed very appropriate to use the Royal Bank as they knew me as a customer already and I use them daily.I went on line and plugged in the amount I was thinking of borrowing on there calculator and looked at the rates. There was many options so logged into online banking and found the right application for me. It was easy and understandable and when it came to came fill in all the application details. Filling everything in was totally painless. I felt the interest rate they quoted was reasonable and the repayment amount was affordable, so I accepted their offer and they came back with an immediate decision. So RBS has another satisfied customer.

Review posted by Leona

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As most modern banks have gone an done online applications nowadays its really the most convenient way to apply. To me it doesn't really matter how you apply as long as I am accepted.The simple fact of the matter is I wanted a personal loan to buy a newer car and Royal Bank were able to offer me the best deal on the market when I needed the cash. Most important thing is to pay back less in interest and get the money I need, and RBS provided this for me.Most, if not all of the application process was done online and things were finalised after 2 telephone calls to clarify a few personal details and i was approved. I found from start to finish the whole process was very straight forward. If I am honest I wouldn't hesitate in recommending the Royal Bank of Scotland to my friends and family.

Review posted by Holly

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I shopped around looking for a loan and i found most places advertise or tell you to apply online. I do not necessarily agree with all modern things so u needed help when applying online as i do not usw the internet on a daily basis, but the online loan application service that the RBS offer is the right way to go especially for people like me who are not computer confident or 100 % computer ellitarate. With my son's help I filled out the online application form after i had used the RBS Quick Quote calculator they provide. I used it many times and adjusted it many times to get the best option for me. I had to look into to the amount I wanted to borrow and over what time period that i could afford before my loan was approved.Then i just had to wait for the confirmation that the money would be in my bank account. It was all very easy in the end and I just wanted to share my experience of applying for a loan in this modern way and to thank RBS for making this easy for us and not scary at all. Thank you

Review posted by Paul

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been with The Royal Bank of Scotland for years, an years and i did not even think of anyone else when it came to borrowing money. I have always been with the RBS and they have been reliable and never let me down since the beginning so I am happy to stay loyal. My local branch in Ayr is always available to pop in and is pain free to get to speak with someone when you do. It was late a night so I done the app online threw my online banking. It was really easy and did not need to fill in alot of personal info as I was all ready with this bank. Was really fast. I though when and if i was accepted i would then take my ID to my branch and get the money faster.The form its self took around 3 mins and igot my loan approved within a few hours of applying.. i picked the lending options myself out of the options given and i am very happy with the loan i chose for myself. RBS made everything so easy and I am glad o stuck to my own bank. The next day I took my I'd to the branch and the money was in my account within minuets. Thanks RBS !!! Everything online was safe and the whole process was done extremely fast and private, with is important to me.

Review posted by Ebony

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've had quite a few personal loans over the past 15 or 16 years from many diffrent lenders, so when it comes to borrowing money it's no big deal. I have never used or owned any type of plastic credit card, if i needed o would borrow long term with fixed agreement than hefty cc rates and the option to over spend. At times i feel i may need a little more money or need to look closely at my finances and I look to reconsolidate and borrow what little extra i needed from time to time. So this month I find mysef with a small dilemma and I round RBS who were willing to help me, an in the end it all balanced itself out.I wanted to go back to a provider I knew I could trust and the financial market has changed so much, and I had 1 of my first loans with RBS. In the past experiences I always remember them being helpful and offer such a painless experience when borrowing from them so I decided to check out what they would be willing to offer me with a new personal loan customer.They were able to offer me everything that i had asked for at a competitive rate that was even less than i was paying now. If thay was not enough to top it all off I was even able to request the same monthly repayment date as all my other monthly bills so I know exactly what I am left with each month.

Review posted by Lewis

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A number of years ago when i was looking to buy my first car i went to RBS first as i had an account with them. I borrowed 2 k over 2 years to buy a small run around when I was learning to drive. I have been driven for 4 years now and I am still a RBS customer and my loan was paid off long ago.Since then my current account has now been upgraded into a debit account that i can use worldwide , chip and pin and I continue to use this daily. Never haven any problems in all the time I have been with RBS I have stuck with them as they have stuck by me. I was looking to borrow some money again so I checked online to see what was on offer. The rates didn't not look at good to me as I was seeing else where but I did Want to stay with RBS so I called them up.After a few hours on the phone everything was arranged for myself with my new loan and I am just waiting on some documentation to be delivered before the funds will be placed into my account.The only thing I did not like was the online rates. They are subject to credit scoring and they rate can be alot less than they let you see. Update to website would be nice or maybe I was not using it correctly.I am glad to see RBS is still here to help me

Review posted by Wilma

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have recently applied and been approved by the Royal Bank of Scotland, and I am happy with this and I have recieved the funds into my bank now.I will say the good about RBS is they are reliable service and a well knowing bank that offer compidative rates and with this it was easy choice to go with them when borrowing money. Online application was simple and glad it was easy and fast to do.The only think I can say that is bad is when waiting on the money was horrible. 2 working days for paper work turned into 4 working day's, then I had to sign and send them back. Took around 13 days in total and this was not the best service for me I needed this to be faster. There was also no local branches close to me and the one that I was willing to drive to is not open at weekend when I am not working.

Review posted by Mr cool

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Even though I have been banking with the Royal Bank for a number of years I have not always gone to them first when I have been looking to borrow funds, as thwy do not always rank number 1 in interest % rate. In the past i have used other companies but never had the same banking servicw or company that meets my needs quit like The Royal Bank. So perhaps this is the reason i find myself reverting back to RBS from time to time to see if they can help.The competitive interest rates are an important factor when looking to borrow funds but also getting the best overall package is equally important to myself.There was one company there were slightly lower interest rate but when it comes to service there is nowhere else than RBS that offer an impeccable service so this time around I applied with my own bank for a personal loan, and I am satesfied with the sercice as I always have been over the years.

Review posted by Josh

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I vaguely remember my first loan I had taken with RBS it was over 20 years ago and I have always been with them. For all my banking needs and insurance needs are covered with the Royal Bank not that my morgtage is paid off with them too. When I was younger we didn't have all this online technology but as the times have changes I have managed to also. The online service took me many months to master and I am glad I have managed to do this. I keep an eye on my accounts online and can send money to my hidden and grandchildren very easy. Also being with the same bank I have never looked else where and I have no reason too. RBS has always been there to help me and always take care off my money I have invested and saved with them. I have moved forwards with the times but my person loan I did not apply threw there Web site option, I called RBS up just to make sure everything went correctly.Very happy with the progress the banking system is making. RBS offer and very safe and secure banking system and I am happy to know my money is still safe with me, and I am not old to borrow from them.

Review posted by Mrs L Cooper

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I´m 45 years old and work with an Insurance company. Recently I needed to borrow £3000 and wondered which bank I should speak to. In the end I thought to myself: Im Scottish so maybe my best option is the Royal Bank of Scottland. Also as I have banked with them for the last 12 months, rather go with a bank that I´m already familiar with. I worked out that my best bet would be to repay the loan over a 36 month period, so that it would be easy on my wages. I applied on line , found it to be an easy process. They granted me the loan and were professional so I think I made a good choice. Recommended.

Review posted by John Mc Pherson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Plastic surgery is never cheap. But sadly its something that NHS will not cover if they feel its cosmetic. Well I´ve lived with this horrible nose all my life and this awful bags under my eyes so enough is enough. I made up my mind to ask for a personal loan, pay it off over 48 months but change my looks and feel better about myself. The RBS seemed a good bank to approach. Its the bank I have dealt with for the last 3 years, I have no complaints, so why not apply with them rather than with another bank? I filled in the application on line, asked for £6000 and waited. The decision was quick and the loan given. I´ve now booked both my surgeries and am extremely excited. I need to thank the RBS for this!

Review posted by Christine Grant

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a recently retired lady who has banked for more than 10 years with the Royal Bank of Scottland. I have never personally taken out a loan, except a mortgage many years ago, which is long paid off. This year I wanted to give my 21 year old grandson a car as a gift. I told my granson that I did not like to touch my savings but he pointed out to me that I could apply for a personal loan with the RBS. He went on line on my behalf but read on the internet that I neeeded to go to the branch to apply personally. I did go, asked for £6000 and the staff who were very helpful worked out the repayments that I could afford on my pension and over how many months would be suitable. They were very good and gave me the loan. My grandson now has his little car and I wanted to write my experience down, so others can consider doing what I did. Thank you RBS.

Review posted by Tracey Pritchard

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It is my first request for a loan. Im only 20 years old, I am a client of the Royal Bank of Scottland and I work for a Pizza restaurant. I get decent wages and fortunately normally lots of tips which are a big help financially. I live comfortably from month to month and always have some money left over at month end which I save. However, my car broke down and the repairs were almost £2000. With Xmas around the corner iIdo not want to leave myself short, so I applied to the RBS for a £1500 loan to take off the pressure. I understand I´m young, and have no credit history, but based on my salary and expenses, RBS approved my request for the loan and I will be paying them back over 24 months directly from my monthly wages. Thank you for not descriminating me based on my age!

Review posted by Peter Evans

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I spoke and made the decision to make some home improvements to our cottage. As she wanted a brand new kitchen as well as other aletrations, the amount we needed was £19 000. We have paid off our mortgage as we are in our late 50´s and bought our house when we got married in our early 20´s. This means that we would not be under pressure to pay back the loan, specially as the Royal Bank of Scottland allow us to repay over 7 years, making the installments lower. We did not feel comfortable applying on line as we are from the old school, so we went to the RBS´s branch near us. They were efficient and helpful and made a decision on the spot. I congratulate them on the smoothness of the process.

Review posted by Briege Fraser

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We bank with 2 banks. The RBS and another one. My wife and I like both, so we hold 2 different accounts. When we needed £2000 overnight last week, we compared the interest rates, fees, speed and so on, offered by both banks. Although by a short head, the Bank of Scottland came up tops, so we applied with them for the personal loan. With the RBS, the interest is fixed, so we know excatly what the monthly payments are, something that we prefer, and this was the main reason for our choice. Also I read that the decision can be instant and as we needed the money rather urgently we used the RBS. Our choice worked out well as we were given the loan in record time and the funds were made available the next day. We are really impressed so decided to tell others by posting here.

Review posted by Frank Hudson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I hope that all the people who need money are treated the way I was when I was in a tight spot and needed a quick £1000 loan.I was a new customer of RBS and was unsure if I should contact them for the loan or maybe another bank, as I went to Readies.co.uk and saw that there are many who provide this financial service, maybe even offering better deals than the RBS.In the end I decided to approach 3 different banks and apply with all of them, deciding to work with the one that was the fastest.RBS gave me and instant YES decision, so I cancelled the other applications.The interest I pay is fixed, so I know exactly how much will come out of my bank account when I get paid, with no extra surprise fees. Im pleased!

Review posted by Paul Lopez

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I used the Royal Bank of Scottlands Quick Quote calculator to see how much I would pay per month on a £3000 personal loan over 36 months. The monthly amount seemed affordable to me so I applied on line to borrow the money. I guess I must have met their criteria as after doing what I think was some background check on me they said yes to my application. What pleased me is that they did not pry into my personal life to ask what I needed he cash for. For a 21 year olsd man this was a bit of a victory as I had been told that they were far too strict and refused almost all the young people, which in my case was not the case. So youngsters, you try them!

Review posted by Mark Mc Keen

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I have been married for 20 years and felt that we should celebrate in style. We booked a cruise on one of the Royal Caribbean cruise ships and went to Fort Lauderdale and to the Cariobbean islands. What an incredible experience and a lovely unforgettable holiday. We could only afford it thanks to the Bank of Scottland as they gave us a personal loan. We are now paying them back over 24 months so that it is an affordable monthly amount. When we have paid it off we will book another cruise this time to Australia. We feel we were not ripped off with the interest rate and also it feels good that they do not add hidden fees or extra charges. Thank you RBS.

Review posted by Shaun Taberman

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a self employed business lady and needed a £5000 personal loan. On advice from my sister who had borrowed from the Royal Bank of Scottland and had had a good experience with them, regarding client services and a good interest rate, I approached them too. I went on line via readies.co.uk, and was about to fill in the on line application form, when I noticed that if you are a businessman you need to apply personally at our local RBS branch. I was NOT happy with this, I felt that its unrealistic as business people have less time and its an inconvenience. I was in a very bad mood over this, but went to the branch, applied, received the loan...I thanked them for their professionalism at the branch but cursed this ridiculous rule. Everything was good. The interest rate, the speed at which the decision was made...but this rule should be altered as they will lose client cause of it! My opinion ofcourse.

Review posted by Phillip Anderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Its impressive to use the Quick Quote calculator on the Royal Bank of Scottlands website.It helps you to fill in the application form to borrow money and once it is all filled in and you have given them the required details, like your age, required amount needed to borrow, wages etc, it automatically calculates the interest rate being charged as well as the exact monthly installment that you will have to pay.I was really taken aback, as I am 45 years old and its not the first time that I apply on line for a personal loan but this bank surprised me.The motto " KISS" ( Keep It Simple Stupid) must have been used with RBS , to ensure anyone could apply, with ease.I requested £4000 over 36 months and got my answer immediately.I´m impressed! I knew I banked with a resonably good bank, but this confirmed it. Good work RBS.

Review posted by Peter Norris

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have banked with the Royal Bank of Scottland for the last 3 months and recently applied on line for a personal loan. They were quick to refuse it, the reason being that apparently one has to hold a current account with them for at least 6 months. As it interested me to take out the loan with them, as upon searching with various institutions , they appeared to offer a good deal...I was not disheartened...I re-applied, this time under my wife´s name who has banked with them for the last 3 years. Fortunately they approved her application for a £3000 loan, and the decision was almost immediate. Its good to use them as the interest is fixed aso one knows how to manage the finances. We are happy with their services.

Review posted by Albert Davies

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My daughter has just got engaged to a lovely Irish young man. They are very much in love and he treats her with so much respect and tenderness. My wife and I are so happy for them both that we decided to buy them 2 nice flights and a 1 week holiday to Miami as an engagement present. We could have afforded to use our credit card but the interest rates were a lot higher than taking out a personal loan, therefore we opted for the latest. A £3000 loan, meant an affordable monthly installment, so we went down that road. We were pleased with the quick confirmation from the Royal Bank of Scottland that we qualified for the loan. I guess there is an upside to banking with them. Good bank.

Review posted by Sean Taylor

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My name is Pamela and I live with my boyfriend of 2 years in a nice suburb. My parents help us a lot with the expenses, so we live comfortably. We both work full time and earn average to good wages. This year we went on a nice holiday and got the money as we both applied for a personal loan with the Royal Bank of Scottland. We are both RBS clients so it was only normal to apply with them rather than apply with another bank. The interest rate was calculated by the bank when we used the loan calculator online and the exact installment was given. The whole process was quite simple and the loan was given. We had a lovely holiday thanks to RBS. I feel it is worth borrowing money as they do not kill you with interest.

Review posted by Sharon Malloy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I needed to find £15000 to pay for my son´s wedding ceremony, I considered very seriously which institution to approach. Although I am a client of the Royal Bank of Scottland, and have been for the last 5 years, I did not want to necessarily apply for a personal loan with them, without first comparing what they offered,compared to other banks. Overall I was pretty convinced that the interest rate with the RBS was a fair one and slightly lower than most other banks offered, but what really convinced me to apply with the RBS was the fact that I could take the loan over 7 years, whereby most other banks only authorised 5 years. That was the main reason for my choice. Ive had no headaches since the loan was granted and the installment is taken off my account automatically every month. Im happy overall with my decision.

Review posted by Adam Katz

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS approved my loan almost immediately which was very reassuring because I had been very irresponsible with my finances when I was younger and my parents kept warning me that it would come back to bite me on the b#m so to speak! Several of my friends were in a similar situation but hadn't been so lucky with their loan applications so I am really grateful to RBS for approving this loan. It means I can buy a ring and propose to my girlfriend on Christmas Eve and if she says yes I will be the happiest and luckiest guy on the planet. If she says no there is a nice second hand BMW that I have seen for sale and so I might have to make do with that instead.

Review posted by Daniel Caan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I never realised how straightforward and easy it could be to apply for a personal loan with RBS. It didn't involve awkward meetings with my bank manager or even making an appointment to speak to a loan adviser. I was able to do it all online and RBS have a brilliant Quick Quote calculator that helped me decide on how much I could afford to borrow.My loan has been approved and I am told my funds will be in my account within the next 48 hours. So it has only taken less than a week to secure this loan and I think that is worthy of a positive review for RBS. It goes without saying that I am very happy with the service I have received from RBS in the time I have been with them and I shall continue to bank with them for the foreseeable future.

Review posted by Stephen Penhaligon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This great loan from RBS means I can settle all my current and outstanding bills and debts and start 2016 with a clean slate. I don't know why I didn't do this sooner but better late than never as they say and I certainly agree with that.RBS were totally honest about the pitfalls of borrowing money to get yourself out of debt and they gave me great advice about which debts to give priority to. I took on board everything they said and I feel 100% better about my future and that wouldn't have been possible without this loan and the sound advice RBS have given me.

Review posted by Maggie Gilroy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS turned me down for a personal loan a few years ago and they were absolutely right to do so. I was young and inexperienced and thought my new job entitled me to all sorts of financial opportunities that in reality I just wasn't ready for. I managed to get by without that loan and now that I really do need this loan and I am mature and responsible enough to take on this financial commitment RBS have backed me all the way and approved this loan . I am so pleased because without it I might not be getting married next Spring and that would have been a real shame because my fiancee wants to honeymoon in Paris in the Spring, not Spain in the Summer, Autumn or Winter in the Alps. I think you know where I'm going with this one!

Review posted by Keith Norton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I should have timed myself, but I reckon it took me less than 10 minutes to find RBS's website and apply for and have my personal loan approved, subject to the usual credit checks. It takes me longer to decide what I want for my dinner at night!Seriously though, RBS are an OK bank and I haven't had any major issues with them in the 5 years I have been a customer of theirs. But this personal loan is a real big deal for me and I am so grateful to RBS for approving it.This is the largest loan I have ever taken on and I am confident it is not going to compromise my finances at all because RBS have a Quick Quote calculator that was spot on with what I had already worked out was going to be an easily affordable amount for me to repay each month. Knowing that they calculated the same amount was very reassuring for me and I am not in the least bit worried about making those repayments.

Review posted by Scott B.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thanks to this personal loan from RBS I can afford to have a brilliant Christmas with my family before jetting off to Mauritius for my best friend's wedding. She is getting married on New Year's Day and I figured that while I am there I might as well make the most of it and stay a bit longer. Lots of her family and other friends are doing the same so I won't feel like a 'gooseberry' and who knows, being one of the bridesmaids means I just might be lucky enough to have a bit of a holiday romance as well.

Review posted by Nancy Cartright

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I spent a very worthwhile hour on my laptop which resulted in me getting approval for an excellent personal loan from my bank RBS. Having broken my leg recently and still hobbling about on crutches I was not in a position to pay my local branch a visit but fortunately the whole process could be done online and if I'm honest I would much prefer to do that way.My main reason for applying for the loan was so that I could take my wife away for Christmas and I am hoping that my cast will be off in time but being laid up for the past few weeks has meant that I have avoided the dreaded shopping trips with my wife and it is almost worth the pain and discomfort but I wouldn't dare let the wife know that or she just might feel tempted to break the other leg!

Review posted by Jeff B.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am back in my mother-in-law's good books thanks to the loan I have just got from RBS. She lives in Spain with her new husband and had been begging us to join them there for Christmas and the New Year. We told her we couldn't afford presents for our kids and the air fares but she wasn't giving up and after a bit of conspiracy between her and my wife they came up with the idea of us taking out a personal loan to pay for it.Like most husbands I know when I'm beaten and so I got on to the task of getting the loan and now that it has been approved my wife is busy sorting out the flights. However, judging by the amount of presents that are under our Christmas tree already I am wondering if I might need another loan to pay for the excess baggage charge we are bound to incur at the airport. Perhaps I should have hired a private jet as it might well have worked out cheaper!

Review posted by Philip S.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I suppose there are only two reasons why you would post one of these reviews. Either to complain or praise the service you have received from RBS. Fortunately my reason is the latter and I don't know what I am expected to say except that I wanted a loan that was competitive and affordable and if I could get the money before Christmas that would be a bonus as it would save me from having to rely on credit cards which had already been heavily overused.RBS fulfilled all those requirements and have taken a lot of pressure off my bank account. I am due a Christmas bonus and that together with this loan means I can make the final payment on my car finance agreement and still have enough to buy the family some nice presents without having to ramp up the credit card debts any further. So for those reasons I would like to say thank you very much to RBS and a Merry Christmas to all their staff.

Review posted by Richard

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Just when you think things can't get any worse they generally do. Well certainly in my case they tend to. But all that bad luck has been left behind and that's partly thanks to the personal loan I have just been approved by RBS.My bad luck started with my car being stolen and my insurance company refusing to pay out because I hadn't read the small print and seen that my policy required my car to have a tracking device installed. That dispute is still unresolved but in the meantime I have had to rent a car so that I can get to work. That was swiftly followed by my front teeth being broken during an unfortunate altercation with an over zealous opponent on the rugby pitch. and before I knew it I was forking out several thousand pounds to pay for dental treatment. That's an ongoing dispute with my rugby opponent who doesn't have insurance that I can claim against.Because of these two equally frustrating incidents I found myself virtually without a spare brass farthing a month before Christmas. So I had no alternative but to get a loan out to tide me over into the new year and my bad luck ended there when RBS approved the loan.I'll deal with my two ongoing disputes in the new year but for now I am just going to get on with having a great Christmas and hope that everything works out well for me in 2016. That's me, ever the optimist!

Review posted by Cameron A.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My son just moved into a flat near his university campus and had hardly any furniture. Mother to the rescue to secure essential pieces for him by means of a loan. I only wanted to borrow a small amount and rather than touch the savings account, thought applying for a small personal loan would be a good idea.I went into my local RBS branch where I have been a customer for some time and spoke to a customer service person. She was most helpful and directed me to the loan officer on duty that day. I explained to the loan officer what I needed and he helped me fill in the loan application. Having checked my credit history and financial background, the loan officer then went through the quick quote process with me to see how the calculations looked. This was a quick and easy process at RBS and when he returned from his research on the computer, was able to offer me a personal loan. This was good news for me, and my son, and I was able to kit out his flat very soon after visiting RBS as the loan amount went into my account the next day.

Review posted by April Sexton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As our family was growing rapidly, we really needed to purchase a bigger vehicle to carry the kids and all their stuff. My wife and I talked about getting a personal loan, rather than having to deal with a salesman on the car lot.We have always enjoyed a good relationship with our bank, The Royal Bank of Scotland, and felt it was a good idea to stay with them for the personal loan, rather than go else where. We went on line and pulled up their website. What was really good was the quick quote calculator because we could pick an amount and see what the interest rate and repayments would be, we changed it a few times to see the difference and get the best deal. We settled on a figure and finished filling out the application, which we then submitted. In no time all, we received a response and they offered us the loan amount we needed at a really good interest rate. We were so pleased we did not go to another lender. RBS came through for us.

Review posted by John H.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I had talked for some time about remodeling our home, we really needed a larger kitchen and had the room to extend into the garden area. We had received a few quotes from contractors so we knew the amount of money we needed. We also talked about how to fund this project and went ahead and made a proposal to our bank, The Royal Bank of Scotland. We have always enjoyed good customer service from RBS and were confident that they could assist in this project.We went on line to their website and plugged in the amount that would cover the expense of the extension. It was a useful too the quick quote as we could see immediately what sort of rate we would get and the amount to pay back monthly. We completed the application and waited for the response. They were sure quick to get back to us and it was a positive response. The calculator proved to be right on with its figures and the money went straight into our account the next day. We were not disappointed and applaud the RBS process.

Review posted by Philip H.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I wanted to take my wife on a special anniversary trip, a cruise in fact, she had been talking about it for years. So I decided to apply at my bank, RBS, for a personal loan to achieve this dream for her.I did not need to borrow too much but just enough to cover the expenses of the cruise with some spending money, that way I could pay it off in a few years. I went on to the RBS website to look at the interest rates and repayment amounts, it was a good tool that quick quote, you could see what you were getting into financially. I decided on an amount which made the repayment amount doable for my budget and submitted the application form. I received a reply by the afternoon and the money went into our account the next day. Cruise ship here we come, thanks RBS. Quick and easy process.

Review posted by Ray C.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As our daughter was getting married my husband and I wanted to give her a wonderful wedding. The only way to achieve this was to obtain a personal loan as our savings would not run to such an expense. This extra expense would be worth it to see her lovely face shine on her special day.We have been customers of RBS for several years and have always been satisfied with them. We did not see any reason to shop around for a personal loan but just go straight to our bank. We visited them in the high street and sat down with a loan officer. She was very helpful and assisted us in completing the application. We discussed different amounts and she showed us what it would mean in terms of repayments and interest rates. We chose the terms that fitted our budget and she submitted the application. We had a phone call the next morning and were approved for the loan. The money was paid into our account within another day. Fantastic feeling to know we could give our daughter the best wedding ever.

Review posted by Celia F.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When RBS approved my personal loan I felt a great sense of relief because it meant I could buy my wife the car she desperately needed to get to and from work. She works shifts and unsociable hours and I didn't like her having to travel by public transport late at night.When her old car broke down we tried getting by with us sharing my car but it didn't always work out especially if I got held up at work and using our local taxi service was beginning to work out a bit expensive.We decided to get the loan and worked out how much we could afford in monthly repayments before approaching RBS and asking them to give us their best quote. The result was a very competitive loan and the all important monthly repayment figure that was well within our affordability.The money has just been transferred into our account and we are all set to make an offer on a nice secondhand car for my wife that is for sale at a local dealers. We are also going to have a bit more to spend over Christmas which is always handy.

Review posted by Dan, Edinburgh

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

In my younger days I made lots of silly mistakes especially when it came to borrowing money. Payday loans got me into a lot of trouble and my parents had to bail me out on several occasions. I have learned my lesson the hard way and so now that I am much older and wiser I know exactly how to go about getting a loan that isn't going to cause me more problems than it is going to solve.Banking with RBS was the first good choice I made and I have been with them for 3 years now and this is my first loan with them. They have been really helpful throughout the whole process and given me good advice. I know I am borrowing quite a large sum of money but I am not worried because with RBS taking on board all my concerns about borrowing within my means I don't feel this is going to be another of those bad loan experiences.So now that I have the funds in my account I can get on with the job of putting the money to good use which is mainly upgrading my old car and sorting out my seriously outdated wardrobe.

Review posted by Jackson D.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We like banking with RBS because they seem to be able to meet all our banking needs without too much hassle. We especially like being able to apply for a loan online and using their Quick Quote calculator which does most of the work for you. But what we really like the most is that we have got a really competitive APR on this loan without any drawbacks such as high monthly repayments.All in all, this personal loan couldn't be better for us. I am sure RBS aren't the only bank offering their customers such good deals and if RBS didn't meet our requirements for this loan we would simply have gone elsewhere but we are glad that we didn't have to because as I said before, we like banking with RBS!

Review posted by Mr & Mrs G., Lincolnshire

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Clearly, being able to apply for a loan online and getting an immediate decision is one of the best things any lender can offer it's customers. From past experience, there is nothing more frustrating than having to wait too long to find out if you have been approved a loan.When I applied for this loan I got the all important 'yes' within minutes and once all the credit checks were done it was just a matter of a couple of days before I had the money in my bank account. I was very relieved that the whole process took less than a week because I really didn't want to have to start looking for another loan company so near to Christmas.Even though this loan isn't for Christmas it is just nice to have got it all sorted and out of the way in time for me to eat too much and fall asleep in front of the telly for a few days without the wife moaning at me.

Review posted by Mike T., Merseyside

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I applied for my personal loan with RBS I did the online Quick Quote but didn't get the immediate decision I was hoping for. It was more of a "computer says no" reaction which was a bit of a nuisance. However a quick phone call to my local branch gave me the response I wanted and from there on the application went like clockwork. By the end of the week I had my loan approved and the money in my account.I hadn't used the online approach to applying for a loan before and apart from the little blip at the beginning I think the process in general is very easy and straightforward but it is nice to know that if you do have a problem with the computer saying no, you can just pick up the phone and sort it out without any trouble.

Review posted by Terence L.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I applied for my personal loan with RBS at my local branch because I had problems with the internet connection when I was doing the online application. For once I am glad the internet failed me because I wouldn't have gone to my local branch and got the excellent service I did from their Loan Adviser otherwise.Because I wasn't really sure what type of loan repayment I could afford I was glad of the expert advice I got. After going through all my monthly financial outgoings with the Adviser she was able to explain everything and we finally agreed on a loan schedule that was spread over a longer period but the monthly repayments were a lot less and that suited my budget much better.I'm not sure if I would have arrived at the same type of repayment plan if I had done the loan application online without her advice and so I am very grateful to her for helping me get the loan that is right for me.

Review posted by Connie K., Luton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I couldn't be happier with the personal loan RBS have just approved for me. It comes at a very competitive APR and the monthly repayments are well within the budget I had to stick to.I particularly liked the Quick Quote calculator which helped give me a general idea of what I could realistically afford to borrow and the final loan is more or less within that original quote so I haven't had any nasty surprises with the final loan agreement although RBS did say to contact them immediately if there was any aspect of the agreement that I wasn't sure about or happy to sign up for. With every bit of the loan schedule clear and precise I know exactly what I am taking on and I am happy to do so.

Review posted by Nigel F., Perth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I applied for this personal loan with RBS just before Christmas I thought it would take ages for the whole process and that I would be still hanging on waiting for a decision in 2016 but that hasn't been the case. I actually got an online decision almost immediately but because I had a few queries that I needed to speak to someone about I waited until my first day back at work after Christmas before calling the RBS Customer Services. They were very helpful and sorted out the queries I had and I am pleased to say that my loan has been approved before we see the new year in and so that is one thing I can tick off my 'to do' list in January. Now the next thing on my list involves a thing called a gym and that horrible word 'exercise'!

Review posted by Frankie B.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I didn't realise applying for a personal loan with RBS could be so easy and hassle free and that the result would be a really competitive deal. If I had know sooner I might not have wasted so much time shopping around with the other online lenders. I mistakenly thought they would be offering more competitive loans than RBS and I was proved wrong as soon as I used the RBS Quick Quote calculator. The only slight drawback was having to speak to someone on the phone because I am self employed. But that actually worked out in my favour because the loan adviser gave me some useful help and advice that wouldn't have been available to me with an online application. So it has all worked out very well for me and for the sake of a short phone call I have got myself the best possible outcome on this loan. CCA which is short for competitive, convenient and affordable. I don't think I need say anymore really except thanks RBS!

Review posted by Carl Brooks

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Perhaps I should start off by saying that I have only been with RBS for just over a year and my relationship with them is still very much in the formative period but if this personal loan is anything to go by I can see me having a long and happy relationship with them.I changed banks after being very dissatisfied with my previous bank and when I needed to take out this personal loan I was worried that my short period of being a customer with RBS might go against me but fortunately that wasn't the case. In fact it seemed to me that RBS were going out of their way to facilitate my loan requirements or maybe that is just how they treat all the customer in which case I am glad I made the move to them after so many years with my last bank.The reason for my review is to say thank you to RBS for an outstanding service in particular with the personal loan approval and I hope I have many more years of satisfied banking with you.

Review posted by Jimmy Barton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

my typing skills arnt the best so the biggest challenge for me when I applied for my loan online with RBS was filling out the Quick quote form but I got the immediate yes decision that I was desperate for and so after that it all seemed to fall into place and before I knew it I am writing this review to say how delighted I am tha t I got my loan but also to prove just how bad my typing is. Fortunately being a grade A student in secretarial skills isn't one of the requirements for getting a personal loan from RBS and that is just as well because I love my job as a fitness instructor and wouldnt dream of doing anything else.

Review posted by Sarah Entwistle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Doing the Quick Quote calculator and knowing that my chances of being approved for a personal loan was the best feeling ever. I have only been with RBS since leaving uni and getting my first job and that was just over a year ago but that didn't have a bad effect on my application for the loan because my credit history was good and my salary is more than adequate for me to be able to afford the repayments. But you are never 100% sure about these things and so getting that instant decision was a great relief and once I knew for certain I had got the loan I didn't give it another thought until the funds were in my bank account and I couldn't help but jump for joy because it meant I could go out and buy my new car which is the second best feeling ever because without the first one I wouldn't be posting this review.

Review posted by Theo Drake

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Keeping within my monthly budget has never been a problem for me, the wife's not quite so disciplined but in general we have managed to get by without going overdrawn or getting into debt.However life has its up and downs and fortunately for us most of them have been ups and this recent up is the reason for our loan. Our youngest daughter is getting married and like her big sister before her we will be footing the bill for this little event.We are becoming quite adept at going online to apply for our loans and because we bank with RBS and used them for the last loan we went with them again. They were still offering the sort of affordable loan that we got before although their Quick Quote calculator isn't necessarily set in stone and we were able to negotiate a different repayment period this time after discussing it with our local branch's loan adviser.We've just our son at home now and unfortunately he is showing no signs of settling down with a nice girl which is a shame because I could do with turning his bedroom into a nice study but the wife wouldn't hear of it. She's not quite ready to face the empty nest syndrome.

Review posted by Alan Jarvis

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was in a bit of a rush and messed up the online loan application and decided to start again with the help of my flatmate. He has far better computer skills than me and within less than an hour we were celebrating with a couple of cans of beer because I had been approved for the loan subject to the usual credit checks. He was as surprised as me because the last time he took out a loan he had to jump through hoops to get it and by the time his money came through he had all but given up.Well I haven't had to jump through any hoops for this loan and I haven't had to wait ages for the money because within less than a week I have my money and the loan APR I'm being charged is the same as the Quick Quote so I didn't get a shock when the final loan terms and conditions came through.I think that calls for another couple of cans of beer to be downed unless my flatmate has done the usual and had the last can for himself without restocking the fridge, which is one of the biggest crimes in our flat, the other being bringing home pizza and not sharing it!

Review posted by Christopher Delaney

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Before our youngest leaves home for good we wanted to have one last family holiday this summer and we had always talked about going back to Universal Studios in Orlando which we all thoroughly enjoyed and still talk about even after nearly 8 yearsOnce we got all the family to agree that they would be available to take the same two weeks off in the Summer my wife set about sorting out the personal loan to pay for it all. This was going to be our last big treat to the kids before we left them to fend for themselves with regards to future holidays.We didn't have to wait too long for the loan to be sorted because the wife was able to do most of it online before confirming things with our local RBS branch. Booking the holiday was just as easy once we knew the money was in our account. The internet is a wonderful thing.Now if only they would invent something that could transports us all instantly to the resort because the one thing I really hate about holidays is having to use airports.

Review posted by Trevor Drysdale

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS have a thing called Quick Quote which put me out of my misery almost immediately when I applied online for one of their personal loans. I didn't have to endure any nailbiting, floor pacing before finding out if I would be approved a loan. I've had a few occasions in the past like that and I didn't want to go through that experience again.Happily they did approve the loan and it was a really great deal for the amount I wanted to borrow. My main reason for getting the loan was to afford to move into my own flat but I borrowed a bit extra because I wanted to buy four new tyres for my car and they don't come cheap.Maybe I should have chanced my luck and tried borrowing a bit more because there are loads of things I need for my new flat but for the moment I'm just happy to have the loan with an affordable monthly repayment so I 'll be content with that for the time being.

Review posted by Sean Forrester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Getting my loan approved by RBS within an hour of doing the online Quick Quote is the best feeling in the world when you need a loan urgently. I can't think of anything worse than having to wait for days to find out if you have been successful with your application. And if you haven't then you have to start all over again. Whoever designed the loan website and the Quick Quote calculator deserves a medal as far as I am concerned.My loan is to pay for my holiday and it's the first loan I have ever taken out with RBS or any other lender for that matter. So I don't have any personal comparisons to make but I know when I've got a good deal and this is certainly the case with this loan.My friends borrow similar amounts all the time from less reliable lenders and they end up paying through the nose. I don't know why they don't do what I have just done. It was quick, easy and sraightforward and I know if my credit history had been poor I might not have got the thumbs up from RBS. Its worth keeping your credit rating high otherwise you will live to regret it and end up scuppering your chances of ever getting good loan deals like this one from RBS.

Review posted by Calum Shepley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We have just bought a house and it needs loads of work done to bring it up to date. Ancient bathrooms and kitchen, neglected overgrown garden and the list goes on!We've taken out this loan with RBS for the maximum amount, 25K which is a huge commitment for us. However, we are spreading the loan out over the 7 year period that is available to us which means the monthly repayments are not going to be difficult to make. Our mortgage is relatively small because we bought the house at auction and got it at a really great price.We decided to get the loan so that we could do most of the work immediately, especially the kitchen and bathrooms because we want to be able to enjoy them for as long as possible because we may move on within the next 10 years.We have always fancied retiring to a cottage in Devon and so that will probably be our next and final move. But in the meantime we want this house to be modern and comfortable as soon as possible so that we can enjoy our time living in it and make the most of it. While the builders are busy sorting out the interior, we'll be busy in our jungle of a garden transforming it into our little oasis!

Review posted by Denise MacKinley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed some alterations done at home and for that I needed to take out a personal loan. I remember applying for a loan about 2 years ago and being knocked back without even knowing why. Since then I became an RBS client and had not bothered up until now. I went in to the local branch and applied for a personal loan of £7000 and also requested a 3 year repayment plan by way of equal monthly instalments which was great because of the loan's fixed rate status. It wasn't long and the loan was approved. I suppose with my positive credit history and being a client made all the difference and the money was in my account the very next day. I recommend RBS to anybody.

Review posted by George Willoughby

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I made enquiries at my local RBS branch back in December about taking out a personal loan in the new year and got a positive response from the branch loan adviser who told me to give it some thought and then come back to her or use their online facility if it was more convenient.Because the loan adviser had already answered some of the queries I had, I decided to apply online as it was much more convenient for me. I hadn't taken out a personal loan before but I am fairly competent with the computer, who under the age of 40 isn't?Well here we are barely into the second week of January and I already have my loan approved and the money should be in my account by COP Monday. My chat with the loan adviser was well worth it because it helped me to decide on the loan period that would suit me best. The amount I needed was non negotiable so the repayment plan had to be based around that sum and RBS have come up a plan that suits me and I couldn't be more pleased with the outcome.

Review posted by Jenny Nolan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS have a great website that made applying for our personal loan so easy and straightforward. It takes the headache out of doing this sort of thing and nobody wants to have to make an appointment to see their bank manager when it can all be sorted through the internet whenever possible.We got very carried away when we got the online approval and started thinking of what we could spend the money on when it reached our bank account but it was just a bit of wishful thinking because the loan is to pay for replacement windows in our house and boring as that might seem now, when we can sit in our living room without gale force winds blowing through the room then it will be worth every last penny of the loan. I wish I could say it was for something more exciting but that's the truth of it folks!

Review posted by Andrew Webster

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We had to get our loan approved quickly so that we could go ahead and book our ferry tickets. We want to drive down to Spain this summer and we're going to take our two dogs with us. The ferry cabins get booked up really quickly especially the pet friendly ones. If we didn't get the loan then it would mean forgoing the lovely leisurely overnight ferry crossing to Santander and then the lovely drive through beautiful Spanish countryside. Our summer holiday would just mean us getting cheap last minute flights and leaving our dogs in kennels back at home which we really didn't want to do.RBS have saved the day for us by processing the loan very fast and as soon as we got the approval it meant we could get the ferry booked and then sort out the dogs with their very first passports!

Review posted by Karen Thorpe

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I think the Quick Quote calculator is brilliant for people looking for loans online. It must save so much time and effort and that was certainly the case for me. Knowing how much you'd like to borrow and how much you can actually afford isn't always the same thing as I found out to my dismay. But I still got a loan from RBS even though it wasn't as much as I initially applied for.At the end of the day RBS were doing me a big favour by not letting me borrow the full amount because the honest truth is that I would have been seriously scraping together every last penny to make the repayments and RBS knew that. After all I bank with them and they know what goes into my account each month and what has to come out of it.They've given me what they are confident I can easily afford which is a very responsible approach to lending and I am going to be equally responsible and make do with buying a cheaper car than the one I originally had my eye on.

Review posted by Matthew Ridgeway

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been with RBS for several years and always found them to be jolly nice people to work with. I recently had occasion to apply to them for a personal loan to fund a special trip I wanted to take. I did not want to use my savings but take advantage of a loan which I could pay back fairly quickly.I used the Quick Quote calculator which is a very handy tool to have on hand, therefore I knew what kind of repayment I would be looking at. I was able to plug in different amounts to borrow to see what fitted my budget. I chose the right amount for me and the form filled itself in with my details, very slick. An instant decision came back which was quite pleasing, the terms were good and I was happy with the payment. What a great bank I have.

Review posted by Patsy W.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I took out a loan with the Royal Bank of Scotland to pay off my student loans and I just had to write a review to tell folk what a super experience it was to work with RBS. Their local branch have some very nice customer service people who were easy to talk to and they made the application process a simple and understandable procedure. We filled out the loan application at the bank, the customer service man made some important suggestions, which I was grateful for and we submitted the form on line.I heard back from the customer service department the next day that my application had been approved. The repayment terms and interest rate were quite doable so I was a happy person and glad I decided to go to RBS.

Review posted by Nikki B.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The Royal Bank of Scotland came through for me on a personal loan a few months back. I was a bit worried about borrowing money but they made it seem so easy and painless that I felt good about the decision in the end.I needed to find some financing for upgrading my car and I did not like the interest rate offered at the dealership. I put a deposit on the car because it was really what I wanted, and said I would be back with cash. I was hopeful. I need not have worried, I went on the RBS website, looked at the quick quote calculator and made a commitment on the application form. They came back to me within a short time with an approval, I should not have worried, they were really cool to deal with.

Review posted by John T.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was looking at the Readies website which compares loan companies and their terms of business. I needed to find someone to give me a personal loan for some work I needed to do on the house. The roof needed replacing and the guttering, expense jobs to say the least. I chose RBS because I liked the way they represented themselves. Having read the summary on Readies, I pulled up their website to read more about them. Still being impressed I decided to make an application.The process was simple and after using the calculator I could see which amount I should put on the form. The computer filled in the rest of the form and I sat back and waited for the response. I was not disappointed, they came back instantly and offered me the terms I wanted. I remained impressed with RBS and will use them again.

Review posted by Michael Sumpter

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I went online and applied for a loan with RBS during my lunchbreak. That is really the only spare time I have during the week because I go to the gym straight from work during the week and have my son at weekends which I like to dedicate totally to him.My loan is to pay for our trip to Disneyland this summer and I have wanted to do this for ages but never got around to it. He's coming up for 11 now and I wanted to do it before he gets to old to enjoy it.I couldn't afford to do this trip without the loan because even though I earn a good salary I don't have a vast amount of spare cash to be able to save up enough money quickly enough.The loan is the perfect solution for me because I can afford the monthly repayments easily and it won't be something I'll get the chance to do again with my son before he grows up so I have to grab the opportunity before it is too late.

Review posted by Scott Harrison

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I applied for a personal loan with the Royal Bank of Scotland as I have been banking with them for a few years now. I needed to borrow some money for a very important purchase, and as I have always been a very satisfied customer of RBS did not think of going anywhere else.The engagement ring I had in mind for my lovely lady was a bit more than I had in savings, I figured I would not blow my savings but borrow for a short while and get the job done. I was in the local branch a few weeks back and talked to the loan officer. She encouraged me to stay and while to discuss my options. Nice person, very helpful and in the end we filled out an application. I am glad I did, I was approved the next day and the money to go get that ring was in the bank by the end of the week. Pretty cool people to deal with.

Review posted by Paul Stevens

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My goodness, don't things happen much quicker nowadays. I thought it would take much longer for me to get a loan from RBS and I applied straight after the New Year was seen in, thinking it would be February before I got the loan.But I'm not complaining because it has actually worked out very well for me to have the money in my account sooner. I was able to take advantage of the huge discount that the manufacturers were offering on the conservatory I am having built and that wouldn't have been possible in February because the offer is only valid until the end of January.So I've saved myself a nice little sum of money without even trying and I think I might treat myself to some other things while the sales are still on.

Review posted by Patricia Dalgleish

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Quick Quote = quick loan = quick solution to my current financial problems. When you are in a tight spot with money and need a loan the last thing you want is to hang about waiting to know whether or not the loan is approved and if it has been the money being deposited into your bank pronto is a very good end result.I'm not an impatient person by nature but I don't like having to waste time if there is no need for it and especially with the online banking facility no one should have to wait more than a couple of days for the funds from a personal loan application once it's been approved.RBS get full marks from me for this because they dealt with my application with speed and efficiency and got the money to me asap. Job done, resulting in one happy customer and that's how it should be.

Review posted by David Brown

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Being self employed and nearing retirement it meant taking a trip down to our local RBS branch to apply for our personal loan. We could have used the phone but our local branch is right next door to the supermarket so I dropped the wife off and went in for a chat with the RBS loan adviser.It was well worth the trip because I had a very informative meeting and had a few queries answered before we went ahead with the formal loan application.By the time the wife had finished the weekly food shop, I had our loan approval and was sitting having a nice cup of coffee in our local Starbucks when she called to say she was ready to be picked up. Now that's what I call a productive morning!

Review posted by Ron Powell

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It really couldn't have been much easier when I applied for my personal loan from RBS. Their Quick Quote calculator tool is a very useful device when applying for your loan because you get your answer straight away and don't wast time filling out an application form that is going to result in a refusal further down the line.Probably a lot of other lenders offer a similar facility but I didn't need to bother finding out because I went with RBS because I have been a customer for a while now and I like the service I have received from them and would naturally want to get my loan from my own bank if they are offering a competitive rate which RBS most definitely were.

Review posted by Liam Kennedy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am delighted with how quickly RBS have sorted out my personal loan for me. I had to make my loan application through my local branch because I am coming up for retirement at the end of this year. this didn't prove to be too much of a problem and once we had gone through all the details of my pensions and how much that would amount to as my overall monthly income RBS were more than happy to approve the loan I wanted and promised the funds would be in my account before the end of the week.I have just had that confirmed and now that I have the funds in my account I wanted to say thank you to RBS for dealing with my application so efficiently and in such a friendly manner.

Review posted by Rory Patterson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm neither self employed nor retired but I still preferred to make my application for a personal loan through my local RBS branch. It's nothing to do with not being able to use the online facility but more to do with wanting to get some advice first before committing myself to this loan.I wanted to borrow the money to pay for a new car and my friends had already talked me out of taking out car finance with the dealer I was buying my car from. I was anxious to get my car before I started back to work after Christmas because my old car had been causing me problems and making me late for work far too many times. The boss wasn't buying the 'my car wouldn't start' excuse any more and I knew I had to replace it asap.My appointment with the Loan Adviser at RBS went really well and we more or less did the deal there and then subject to a credit check which I knew wouldn't be a problem. By the end of the week I had the funds and my new car was purchased at the weekend.I have no more excuses for being late for work now which is great because I really do want to keep in my boss's good books as there is a promotion coming up soon in our department and I'd like to think I am in with a good chance of getting it. I hope getting this great loan from RBS was a good omen.

Review posted by Geraldine A., Hounslow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Once I'd done the RBS Quick Quote bit, my online loan application didn't take too long at all. The approval for the loan didn't take too long either. What did seem to take an inordinate amount of time was the funds showing up in my account. I thought that once the loan approval was given and the necessary credit history check was done I would only have to wait hours for the money to be transferred. It actually took 3 days and no real explanation was given as to why.However, I am glad to say I do now have the money in my account and I can go ahead with my plans to book my trip to New York and the flights have already gone up a bit since I last checked so it is just as well that RBS gave me such a good rate on this loan!

Review posted by Julie Mulherne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Buying my new car with a loan from RBS is a really big deal for me but I feel I made the right choice by going to them for the loan and not using the finance that the dealers were offering me.RBS were in total agreement with me and it wasn't because they just wanted my business, they rightly pointed out that getting my car with a loan from them meant it was going to be my car from day one whereas the finance with the dealership wouldn't make the car 100% legally mine until the loan was paid off.I didn't like the thought of that and I can't really understand why anyone would choose to buy their new car in that way. Unless of course they didn't have a great bank like RBS to give them a loan.

Review posted by Joanne Butterworth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Having just been given the approval for this loan I have to say some good things about RBS by way of thanking them.Firstly, they weren't bothered that this loan was for me to blow it all on a once in a lifetime holiday to Thailand.Secondly, when I had a few problems with the online quote I rang their customer services and I didn't have to wait a lifetime for them to answer the phone.Thirdly, they said the money would be in my account within 24 hours and it actually arrived that same day.Finally, I never thought I would get the loan because I haven't been with RBS for much more than a year and I am only just 21 . Some banks might consider me too high a risk and not give me the loan but RBS didn't think that would be a problem.RBS seem to be a really good bank and I am glad I am a customer of theirs.

Review posted by Richard M.,

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My husband leaves me to sort out all our finances which is just as well because I doubt we'd have ended up with such a great loan from RBS if I'd let him have any say in the matter.Bless him, he's a great husband and he works his little socks off running his own electrical business which is doing quite well. But when we needed this loan I decided to take it out in my name and use my account with RBS to try and get the most competitive rate. Their Quick Quote calculator was a good way of getting a general idea of what sort of deal I was likely to get and it seemed good enough for me.RBS sorted out the ideal loan for me and it was all finalised today with the money going into my account as well. It really was that straightforward that I think even my husband could have managed it if I'd let him near the computer!

Review posted by Maggie Allerton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I think the RBS quick quote loan calculator is a very handy thing. I hadn't used it before because the last time I took out a loan with RBS I did it through my local branch. I was pushed for time with this loan because I wanted to get it sorted before I go off on a business trip at the end of the week. Being able to apply for the loan online was such a great help and I don't think I would have been able to get the loan approved and finalised before leaving for my trip if it hadn't been for this.By the time I get back from my trip the funds should be in my bank account and just knowing that will mean I can concentrate on the conference trip and do my job properly because I'm sure my boss will be grilling me on every little detail of it.

Review posted by Dermot Brennan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm more than happy with this personal loan from RBS because the final terms and conditions have turned out to be even better than the Quick Quote calculator lead me to think.I got a lower APR which, was the most important aspect of the loan for me and the final calculation for the monthly repayments was very affordable, leaving me with a lot more spare cash each month than I initially thought we be the case.Having the the loan calculator tool to give you a general idea of what your loan could cost you is a great facility and when you end up getting an even more affordable and competitive loan that's great. I was honestly expecting it to work the other way round and for the final calculation to be higher for me. That wasn't the case, so for that reason I am a very satisfied customer.

Review posted by Jonathan R.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Once I had done the RBS Quick Quote and got a quick decision on the personal loan I was applying for, I was hoping the word 'quick' was going to be carried through to the next stage of the loan process and that I would get the funds in to my account quickly.I was in a bit of a hurry and needed the funds as quickly as possible and that's why I chose to do the application online instead of going to my branch of RBS. After the loan was approved I ended up having a couple of slightly frantic days making several calls to RBS before the money finally reached my account and so all was well that ends well.But if I could make just one comment it would be that if I'd know from the start that the money would take several days to reach my account I would have been able to inform the person whose car I was purchasing that I really did want it and that I wasn't stalling in order for them to drop their selling price which is what they seemed to imply was my motive. Of course that wasn't the case but it did leave a bit of a bad taste in my mouth with regard to the car seller thinking I was not being totally honest with them.

Review posted by Catherine T.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Because I've just got this great loan from RBS I thought I'd do the decent thing and post a good review for them. I'll be honest, I am more inclined to post bad reviews so this is a bit of a first for me.RBS made the whole loan application process so easy and hassle free for me that I feel they deserve some positive feed back from one of their satisfied customers. And satisfied I am because I got a really competitive loan for the amount I needed to borrow and the monthly repayments are much lower than I was expecting which was a great bonus for me.This is my first experience of taking out a personal loan and I am glad I was able to do it with RBS who have turned out to be a very good choice of bank for me.

Review posted by Andy D.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Our children persuaded us to take out a personal loan to pay for a cruise. We kept talking about doing it over the years but never got around to it and we were driving the children mad every time we saw a cruise ship on the telly. We could see their eyes rolling and the exasperation on their faces and holiday programs were a no go area when we all sat down at night to watch the TV.That's all changed now that we have been approved our loan from RBS and we are now about to book our long awaited cruise. We have enlisted the children to help us pick the perfect cruise holiday and that requires watching every holiday program and scanning the internet to make sure we end up with the best cruise package. After waiting all this time we want to make sure we do it right.

Review posted by Ron Dwyer

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My RBS personal loan was approved so quickly I hadn't even started looking seriously for my new car. I thought it might take a while and I wasn't even sure I would get approved for the loan as I tend to be a bit pessimistic sometimes.I should have had my optimistic head on because I not only got approved for the loan but I got a really competitive rate and monthly repayments that aren't going to put a huge dent in my wallet.I am going to take the day off work and start looking for my new car because I don't want to wait any longer and that money is just going to burn a whole in my pocket if I don't spend it on a new car soon.

Review posted by Jamie McDermot

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Fortunately for me RBS approved the loan I had applied for in quick time and I didn''t have to spend too much time worrying about whether or not they would give it to me. I had a few other lenders in mind if I got refused by RBS but they were not as competitive and the fact that I was self employed might go against me with some of them.RBS didn't have a problem with my self employed status but I did have to go to my local branch and speak to the loan adviser. It wasn't a problem for me and in fact it was more convenient in the long run because we were able to come to a formal agreement that same day and I was ready and waiting to sign on the dotted line. By the end of the next working day I had my money and a loan that was competitive and affordable for me.

Review posted by Stephen Jessop

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I did the Quick Quote calculator and got a response showing a rate and an amount that I was hoping to borrow I went straight ahead with the formal loan application. It was just the sort of figures I was hoping to see and I didn't want to wait any longer because the loan was urgent and I had to secure it before the end of the month.I already knew what other lenders were potentially offering because I had made some discreet enquiries without risking my credit rating if I got a refusal. If RBS refused me then I would have had to resort to getting a different type of loan but I really didn't want to go down that road and end up paying extortionate interest rates in order to get the loan.RBS have saved the day for me by approving this personal loan and I am going to make sure I don't do anything to mess this loan up and end up affecting my good credit rating which is a very important factor for anyone looking for a loan.

Review posted by Jack Denham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I decided 2016 was going to start with me getting my finances sorted once and for all. I was nearing my 30th birthday and I had to start acting responsible and that meant getting my bank account to work for me and the way to do that was in the form of a personal loan to pay off my credit cards and and for me to keep within my means with any future spending.I have had a bank account with RBS since my university days and they have been approachable and I have never had any issues with the service they provide. So I did a bit of comparison work with the other high street lenders but decided RBS were good enough for me to stick with them if I was lucky enough to get approved for the loan.Their Quick Quote calculator takes all the hassle out of that initial stage in the application and I was delighted when I got the immediate approval subject to credit checks. I followed this online application up with a call to the loan adviser at my local branch because I wanted RBS to know that the main purpose of my loan was to pay off those credit cards and I didn't want to get refused on the loan because of the very reason I needed the loan in the first place.The loan adviser was totally in agreement with me that this was a very good reason to take out this sort of loan and helped me to calculate how much I would need and more importantly how much I could afford to borrow. We arrived at an amount that was just enough to sort out the credit cards without over borrowing.Now I have zero credit card debt and one very affordable loan which came with some sound advice from the RBS loan adviser about managing my finances and maintaining my surprisingly good credit score rating.

Review posted by Billie Hartman

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Seldom do I feel the need to make a comment about things publicly but this comment is warranted because of the exceptionally good service I have received from RBS with regards to this personal loan.I am not commenting to say how the loan is in particular because I wouldn't have agreed to it if I hadn't been totally satisfied with the terms and conditions of it. But what I would like to say is that because of my retired status I had to attend my local branch to speak to the loan adviser about this loan. I am a trifle deaf and trying to conduct the interview over the phone would have been most frustrating for me even with my hearing aid in.I got myself down to my local branch and had a very nice meeting with the loan adviser who turned out to be a charming young lady and between the two of us we came up with a suitable loan for me. I went away feeling very happy with what we had agreed on and now that the loan has been confirmed and the money is in my account I felt I should write to say thank you to RBS and the lovely young lady in my local branch for being so kind and helpful.

Review posted by Mr Fields

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The Royal Bank of Scotland has managed my financial interests for many years and I have always been pleased with their service. I recently applied to them for a loan to purchase a car and once again, they helped me achieve that goal.I found that the Quick Quote calculator was a very good tool to use as you could estimate your monthly payment and the likely interest rate you would be getting. This allows you to budget and plan ahead.The application process was not too difficult and when the online tool fills in the necessary details for you it makes it quick and easy. RBS are very reliable and I wouldn't go anywhere else for a loan.

Review posted by Clive Waters

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I decided to try and consolidate some debts I had incurred, there was no researching lenders on line as I am with the Royal Bank of Scotland. They have always been a good service bank for me so it was an easy choice to go on line and complete an application for a personal loan.I knew I would meet the criteria and I have a good credit rating so I was hopeful that they would approve a small loan for me. I liked using the calculating tool because it gave you the budget information you needed. It also completes part of the application form for you which is pretty cool. I received an instant decision so there was no waiting around. I had the money in my account within a few days. I am glad I am with RBS and enjoy working with them.

Review posted by Sylvia Stratton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Some home improvements were on the to do list and finally I got around to thinking about how they could be achieved. I did not want to touch our savings in our bank and after talking it over with the wife, we decided we needed to take out a personal loan. We have always had a good relationship with the Royal Bank of Scotland and our account was in good standing. It seemed prudent to apply to them so we went through the process.I decided to go on line and look at their application process. We found the calculator tool really handy as we could estimate the amount we might borrow and therefore see what the repayments would be and the interest rate we may get. Having decided on a payment we could afford, we allowed the computer to finish the form and submit it for approval.RBS came back very quickly with a decision and we were approved for the loan we wanted. They did not disappoint us, they are a good bank to do business with.

Review posted by Trevor Humphreys

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I applied to my bank, RBS, for a personal loan recently as I wanted to consolidate my credit card balances. The interest rates I was paying were a lot higher than I was willing to continue shelling out. These credit card companies see you coming and just rope you in with their low interest to begin with. Well no more, I needed to fix this.I was confident that the bank would be willing to grant me a loan as I have good credit and have been in the black for a long time. So I went on line and looked at the forms. I knew the amount I needed so plugged that into the form and the tool they use calculated the payment and interest rate. I was pleased that the terms would be most acceptable if I was approved. Sure enough, I was approved and the quote came back with a positive. This was a quick and easy process.

Review posted by Ted Bolin

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had occasion to apply to my bank, the Royal Bank of Scotland, for a personal loan last month. I had some debts that I wanted to pay off and therefore consolidate the whole thing into one payment. With the different interest rates on these debts, I was sure I was paying more than I needed to each month.When I pulled up the RBS website I used the quick quote calculator and sure enough, the payment was going to be less than I was paying out, and the interest rate was much better. Good choice on my part. So I submitted the application and received an instant decision that they had granted me the loan, I was well pleased. I am glad I bank with RBS.

Review posted by Jennifer T.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My RBS personal loan has come through now and I had better get a move on and get the new guttering and the broken roof tiles fixed before I change my mind and use the money to book a nice long cruise around the Med instead! With the weather we are having at the moment no one could blame me.The loan RBS approved is very competitive and comes with a monthly repayment plan that won't stretch my budget too much. Taking the short term payment period option is great because it means the loan will be paid off by this time next year. So if I'm still hankering for that cruise I can apply for another loan to pay for it and hopefully RBS will give me another great deal.

Review posted by Selina, Dumfries

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Nobody if they've any sense takes out car finance with a dealer. Lots of people have made that mistake, me included. I know now that getting a competitive loan from your own bank is a much better option even though the car dealers will argue differently.My RBS loan is coming with a great APR that puts the dealerships finance package to shame and I like the fact that my car will be mine from day one and if I should default on the loan I will have the option of selling on the car myself to pay the loan and not have the worry of the bank re-possessing it.Of course I don't intend on missing any repayments because RBS have given me a very affordable repayment plan that won't cause me any hardships paying it back each month. In my opinion this is a far more sensible way of purchasing a new car.

Review posted by Lonnie Pattison

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS really couldn't make applying for a personal loan much easier. Their Quick Quote calculator is brilliant and helped me enormously when I applied because I wasn't quite sure how much I could afford to borrow until I used this very helpful device.Sadly, it did let me see that I couldn't really afford to borrow as much as I would have liked to but that is a good thing really because the last thing I want is to get myself into trouble by not being able to make the repayments on a loan.Once I knew how much was a realistic amount for me to borrow I went ahead and applied for the loan and after that everything has just fallen in to place. My new, affordable loan has just been approved and I can get on with making good use of the money when it arrives without worrying that I've overstretched myself financially.

Review posted by Kelly Michaels

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

With our first baby on the way we were starting to worry about making ends meet when my partner gives up work. However, luck was with us because I have just been given a big promotion at work and a nice big pay rise to go with it.We decided to take advantage of this extra money each month by getting a personal loan to pay for all the essential baby things we are going to need. The baby is due in a couple of months time and we want to leave the the expensive items like cot, pram etc to the last minute. RBS came up with the perfect loan for us that uses that extra monthly income perfectly.Having the cash to be able to just go out and buy all these things last minute will be the best option for us. Plus it will give me a bit more time to get on with the decorating of the nursery which I'm ashamed to say is still at the stripping off years of old wallpaper stage at the moment!

Review posted by James McKay

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I read some other reviews before I posted this review. Why do people feel the need to give you their life story when they post a review? If you are commenting on your personal loan then all you need to say is whether you are happy with it or not. Whether you found it competitive enough or not, and whether is was convenient and affordable for you. We don't need to know that you took out your loan to pay for your granny's hip replacement or your daughter's wedding. Neither of those bits of information would have any bearing on whether or not I chose RBS for my personal loan.All I'm going to say about my personal loan is that it is just that 'personal' but the APR was very good, the monthly repayments are more or less what I had initially budgeted for and the money came through within 48 hours of the loan being approved. If that's the sort of information that you need to help you to decide to choose RBS for your loan, then I am glad to have been of help to you.

Review posted by Derren, South London

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Even though I have been with RBS for quite a few years now, my dealings with them have never really extended beyond the usual day to day transactions, most of which are carried out an ATM. One of the benefits of using their online services is that I can remain relatively anonymous when I want to apply for a personal loan. My local branch of RBS has an ex girlfriend working there so it's a place to be avoided at all times if possible.My loan followed quite soon after the initial online quote which I got with the help of the RBS loan calculator tool, which is another good thing about getting your loan this way. By the time you are ready to make your formal application you already have a good idea of what your loan is going to cost you before you make your final decision.Of course, if I wanted to live dangerously I could always go into my local branch and apply for my loan there but I think I'll give it a few more years so that the ex can cool off a bit more.

Review posted by M.W. Haynes

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We didn't have any savings we could 'blow on a holiday' but we did know that we were in a financial position to be able to afford a personal loan to pay for one. We decided where we wanted to go this Summer and how much we would need to borrow. We left the rest up to our bank RBS.We both work really hard and like to live for today rather than put loads of money away each month and just live a boring life. The day we both hit 40 we might start saving for our retirement but in the meantime we are just going to contribute to our work pensions, pay our taxes and use the rest of our salary to enjoy life. This loan from RBS is going to help us do just that.

Review posted by Ashley C.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My loan from RBS is going to help me give my girlfriend the holiday of a lifetime to help her recover from the serious illness she has recently been battling. We were due to go to Spain two years ago when she suddenly became ill and we had to cancel the trip. She's is well and truly on the mend now and is fit enough to travel so we are going to go a bit further than Spain this time. We're going to the Maldives and my girlfriend doesn't know yet but I won't keep it a secret for too long because she hates to not be organised and likes to plan things in advance especially her holiday wardrobe! I just want to thank RBS for approving my loan so quickly and giving me an afford one at that!

Review posted by Paul Nesbitt

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've got three weddings to go to this year and they are all going to cost me a packet. Not one of them is local and they all involve travelling miles and staying at hotels or bed and breakfast places. Not to mention wedding outfits, wedding gifts and one of the weddings is Greek where the tradition is to pin money on the bride and groom so there is no getting away with a cheap set of cutlery bought in the January sales for that particular couple. They're not daft are they. I think I might pretend to be Greek if ever I get married.So my go to solution for this triple dilemma is to get a loan from my bank. I've done it a couple of times before and each time RBS have been able to match the going rate on a short term loan. That's good enough for me as I don't have time to shop around for a better loan I'll be too busy shopping for wedding stuff!

Review posted by Rachael Stewart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We've just found a fabulous flat to rent and we've secured it with a deposit and two months rent. What we need now is some furniture to fill up this wonderful space. We only have a double bed and a sofa bed to our names at the moment.We decided to get a loan using my account with RBS. They are offering a better rate than my partners bank plus my salary will take care of the loan and our rent and the rest of our bills will come out of his account. This way we will not have any problems with missing a repayment and the DD for both the loan and the rent will be more than affordable with my salary.RBS are pretty good at processing their loans quickly and we only had to wait a couple of days after our online application before we got the formal agreement and today the money is in my account. Just 5 days in total to secure this really competitive loan and now we can get on with spending it on some lovely furniture.

Review posted by Claire & Richard, Brighton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This loan from RBS is not just to pay for my new car it is also to sort out a couple of problems with my new flat. The bathroom has loads of leaks and the cooker that the previous owners left is a death trap and needs to be replaced asap (according to my mum who has banned me from using it).I looked at a few loan options onlline but went with my own bank RBS in the end because they were offering a better rate for the amount I needed to borrow. That hasn't always been the case when I wanted to borrow smaller amounts in the past. But this is where they are at their most competitive with the larger loans and they have come up with a very good loan package for me.I'm just waiting to receive the money into my account so that I can get my car sorted and then that cooker so that my mum can relax and stop insisting that I go to her for my dinner every evening.

Review posted by Kiaran Baitely

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS gave me my first loan just after I left university and needed to sort out a flat of my own. I just borrowed the minimum to pay for the deposit and the usual two months rent. I had another loan about 18 months later for the same amount and that worked out well. My loan this time is to buy a car and so its considerably more than I have borrowed from them before but I am not in the least bit worried because they have worked out a very good repayment plan for me which means I am paying back almost the same in monthly repayments but spread out over a longer period of time so I don't have to find a lot more money each month. that is the only way I could have afforded to buy my new car and so I am pleased that RBS were able to work out such a good repayment plan for me.

Review posted by J. Salter

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had no idea how easy it would be applying for this loan with RBS. I had been psyching myself up to make the application and I can't believe I have done it and got approval in such a short time. I think the Quick Quote calculator that RBS use is a brilliant way of helping the borrower and without that I am sure I might still be struggling.I had set aside the whole evening to sort out my loan and the reality is I only needed an hour. All I have to worry about now is where to go for my holiday this summer. Now I have been approved this loan there is going to be so many more places to choose from this year.

Review posted by Lydia., E.Malling, Kent

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

What a great loan website RBS have. I didn't have to waste time hanging around my local branch to get to speak to a loan adviser which was my last experience of taking out a loan. I haven't even had to leave the comfort of my flat to apply for this loan which is just as well because my car is being scrapped and without a car I might just have to walk further than the end of my road which would be a first.RBS have approved me a nice sum of money in this loan which means I'll be buying another car pretty soon. Without a car my limits for travelling are just one bus every two hours and that is another good reason for using the RBS website to get this loan.

Review posted by Ed

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I wanted a new car but my only hope of getting one was if I could get a competitive loan from RBS. I didn't like the idea of borrowing that much money from any other source and just hoped that RBS would be able to offer me an affordable loanEven though I don't have any savings, I am pretty sensible with my finances and I knew there wouldn't be a problem with my credit rating so it was just a case of whether or not RBS thought I could afford the monthly repayments based on my earnings.Fortunately RBS thought I was not a risk and they gave me my loan which is wonderful news for me and the new car will be what I am shopping for this weekend.

Review posted by Letitia J., Croydon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We couldn't be more pleased with this personal loan from RBS and it means the world to us because we are going to put the money towards our daughter's further education. She is a talented dancer and wants to go on to having her own dance studio once she has qualified.We are going to pay for her to go to London and study both classical and modern dance for 2 years and we hope to put a bit of the loan aside for when she returns and we can help her start with maybe renting a small place to get her business going.We got a very good deal on the interest rates for this loan and we won't be experiencing any problems paying it back because the monthly repayments are less than we originally budgeted for which is marvellous news because it means we will have a more money each month in case we get any emergencies crop up.

Review posted by Mrs Jefferson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A personal loan was what the wife and I were after as we needed to do some renovations at home and the decorator said it would take a week so we decided to spend a week in Spain while the work was being done. Being RBS clients for a number of years we thought it right to ask them and nobody else for a personal loan to take care of these two matters.Incredibly it was all taken care of in just a few days. Our credibilty was checked out and our loan request of £10000 was approved without too much red tape. Also we signed a debit order so the instalments would automatically come out of our account each month for the 4 year period stipulated. This suited us as the loan had a fixed rate status. Well done Royal Bank of Scotland.

Review posted by Aubrey Madsen

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had a normal standard Bank account with RBS years ago and I hated it. There standard account would not let you set up or make payments online you had to order a silly machine like a chip and pin from them in order to do anything. I ended up not using the account once I open a new one else where as it was to much of a fuss being with the RBS at that time. I am glad to see a few years later they have improved greatfull on there services and I am glad to say I have returned to the RBS now I have taken out a personal loan with them. My own banks rates were quite high and offer me the rates I was looking for so I had a look at the RBS , after all I used to bank with them. I am really glad I came back to RBS for my loan but I am still not sold on the idea of bring my bank account back to them. Even with there new updated accounts I just don't want to take the risk and have the trouble I had before ,But I am very happy with them as my loan provider.

Review posted by Duncan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My parents have always been with The Royal Bank , So I opened my first account there at same as them. It's pretty handy as we have a bank 10 minuets walk away from where we live as we stay close to the local shopping centre.I was online banking with them sorting out some money and I noticed they offer personal loan and the rate was low for once. When I logged in online I came up as a existing customer offer type thing so I printed the page off and decided I would go into the bank.I went in a few days later and j was told it was a online offer and I needed to apply online once I logged into Internet banking to get that rate and that's all they could do to help me. So a little annoyed as it didn't say anything online or on the advertiser they sent me I went home to apply for the loan.The loan it's self was alot easyer to apply than the running around I did to find out how to apply and the approved me online also. There was some paper work to be done so I do have to go back into the bank so I can sign and get the money so I not quiet sure why there didn't just let me use ther comp and apply in the bank. Anyways I have been approved so all I need now is to go to to the bank and sing tomorrow on my lunch break. Thanks RBS you could make it a little clearer to customer in future about personal offers just so others who may live further away from the banks don't make trips that are not needed.

Review posted by Wendy Whittle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I applied with The RBS i was 85 % confident that they would be able to help me with a loan and grant me the money that i needed. I have good credit and I have always been a customer with RBS since I turned 18 years old nearly 14 years ago. I have never been in the black in my life and i never plan to be. I may have missed some payments or was late to pay some bills when i was younger but since then my credif has been out standing, i am sure of it. Some after we made the decision as a family to makes some changes at home I decided RBS was the way to go for the money and I went online and looked at the loan application forms.I knew the amount I needed so I played around with the calculated to get a better understanding of the payment and interest rates I would be looking at with RBS. I was pleased that I could understand the terms and conditions of the loan and they were most acceptable give the loan time and monthly amounts i would be looking at paying. I applied.I was approved and the quote came back with a positive and low apr rate i was looking for and I was thrilled and would not wait to tell my family the good news.Thanks you Regards Ken

Review posted by Ken Rochard

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I found rhe whole borrowinf money with The Royal Bank to be extremlt eaay thing to do. Maybe it's because i am all ready a customer with them the whole application for a loan was easy and there was not much information i needed to give them that they didn't all ready have being a customer. I did how ever play around with there lending calculator online before I applyed for a loan to get a better idea of what I was looking at costs wise with RBS. Because I have a regular income and not so many out goings each month I knew I could afford to meet the repayments on the amount of money I needed to borrow.I wanted the shorted time possible in paying them back but the best monthly price so once I figured that out I applied and I am fairly confident that the personal loan with RBS suites all needs perfectly. Thank you so much for all your helping and making this whole loan process painless and easy.

Review posted by Tori

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm very impressed with the RBS , I always knew I banked with a pretty good bank but untill recently I had no idea just how good.I was tired of always being skint and all my money going to bills and credit cards I decided it's time to stop overspending on silly things and do better with my money.I was online banking one night and i was playing around using the quick quote calculator tool and i liked what i was seeing. It helped me to see what borrowing money with RBS would look like monthly so i filled in the application form to borrow money and hoped for the best. I have never had aproblem with my bank before and have never been a position that they have had to tell me No so I defo didn't want this to be the first time and I waited nervously... I requested £6000 over 36 months and got my answer almost immediately , was a few minuets so I didn't have to wait to long and RBS took care of the everything else. The money shirty followed and rhe information and repayments have been setup in sequance with my paydays every 4 weeks they really have been helpful to set things up for me.

Review posted by Jay Davidson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was not intiarly sure that I could borrow money from RBS as rhey are a Scottish bank and o live in England. Given there is no branches close to me the RBS offer me better rates then any of the banks that are local I wanted the best rate so I decided to apply with them. I had to check to make sure I could apply being outside of Scotland and i could as long as I live in the uk , anyone can apply with them.The application was easy to do online, it was all simple details about my self. Like age and where I live and the job details and bank details. They did ask about in come and out goings I have and any plastic cards it was what I exspected as I have applied to borrow money before so it was pretty much what you would exspect. I had to wait 3 days untill all of rhe documentations got to me in the post that was the only thing that being far away was a little annoying but I had the money on the 5th day so it was not to long to wait.

Review posted by Miss Jenna Spinks

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wedding gift to my bride was a small car that she had wanted for a long time. The price was just below £10 000, but I did have £2000 saved up, so I needed to borrow the £8000 that I was short. I checked on line with the Royal Bank of Scottland and using their calculator I realized that If I paid the debt back over a quick period of 2 years, that would bring down the interest rate immensely. So, I did just that. I applied to pay it back over 24 months. The repayments will be around £350 per month, but in the end I will only have paid about £400 in interest! I think this is amazing and a great deal, so I filled in the application form. I was given the loan and I feel that i was not cheated or ripped off. I take my hat to the RBS .

Review posted by Richard Mc Court

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My family and I live in a nice big cottage on the countryside. It is a comfortable place but it is time to make some serious alterations and an overall paint job.As we no longer owe money on a mortgage as its paid off, we spoke about it and decided to apply for a personal loan with the Royal Bank of Scottland.We opted for them for a few reasons, one being that their interest rate is fixed, the other being that they allow one to pay back over 7 years, which makes it more affordable.I have banked with RBS for about 2 years now and decided that if they did not give us the loan we would go back to our old bank.Fortunately there was no problem. It was granted with no headaches and quickly.Now that the funds are available, we will soon start the work.Im pleasantly surprised that it all went so smoothly and therefore thank them for a good service.

Review posted by Charles Waterson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am so relieved that it was so straight forward and easy to apply for a loan with the RBS. I thought it would be a nightmare but when I used the " Quick Quote" calculator, it actually filled in the whole application for me. I only requested £6000 so that I could merge all my loans into one, paying therefore only 1 installment, and paying less. I´m a young girl, am only 24 years old but my credit card repayments were crippling me together with my car installment. This way I save more than £150 per month by consolidating! Although I have only banked with the RBS for a little short of 12 months, they still approved my application. Im very happy with them. A bank to consider and a smart move to consolidate :)

Review posted by Maureen Blake

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I always do my banking online , I tend to keep an eye on my finances weekly online from home just to make sure all is ok and nothing goes wrong. I have had a bad exsperance with going over drawing a few times in the past so I would like this never to happen again so to busy sure when I check emails I check my bank account , simple really.I have never had to take out a loan before as I am not in the habit of borrowing money but I was thinking of making some rather big improvements at home and a loan would come in helpful around about now. I did not even glance else where as I have always been satisfied with my own bank ,the RBS have always been fair and never had any problems with my other types of accounts with them or insurance so I decided to stick with them and apply for a loan. I needed £16,500 and they offered me this over 5 years at a 4.6% apr rate at the time and I grabbed this offer with both hands.

Review posted by Melissa Scott

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a pleased to say i am a customer of the RBS bank. I have been worrying and worrying over money since my son told me he is getting married in July 2017 in Cyprus and I have no idea where I was going to get the money he is asking me for to help out with costs involved. I called RBS up to speak to someone about my ISA account and maybe selling some of my bonds and after speaking with someone they asked me have you thought about a loan and not touching my retirement money. True is I have never even thought about it the idea didn't even cross my mind so I asked for more information. At the end of the call I had the money my son needed and a easy repayment plan over the next 24 months and my own money is still save and making interest.I called them up for one reason and RBS turned the whole call around and helped me and helped my money. Thank you all so very much.

Review posted by Isabel Hodge

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I got the paper work today for my loan with RBS i only requested a small amount of money ( £4000 ) so i could get the beast ogmentation I have always wanted. It a few weeks it will be my dream come true. I'm only 24 years old and my mum always told me my body would grow and we'll it has not the way I have liked. So many of my friends have had the surgery and they all look great and i am tired of waiting now i dont need too.Taken out this loan with rbs gets me the money i need but also this way I dont put it on my credit card or even take the loan the surgery offered me as it was alot hight than what rbs quoted me. It save money in the long run as i was going to get the surgery anyway , I just was lucky to get the best rate with RBS because I looked around and didn't take the first option.

Review posted by Mindy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My own bank offered me a loan , and I was in two minds about taken it. I take it over with my parents as I needed the money with a second child on the way and all the cost that come with it I need rhe money now to be ready. My parents told me the rate was to hight considering I don't have any outstanding debt or credit cards. I have never had money problems before so they told me not to go with them and look else where. I was worried as if you keep doing credit checks it has a bad effect in your score I do know this much from reading online about loans for 3 days now. I settled with RBS as this is the best loan company on the market and they are extremely honest and offered me lessential than half what my own bank had offered me , funny that.

Review posted by Glen

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Hello , Im writen to state my opinion in a review of the service that RBS has to offer. I would say that it has all gone without a glitch and I have the money in my personal account. Right from the start when i applied online RBS made it easy for me aa before i was not a customer with them , where as i am now. I can honestly say it has been a good experience and very fast considering they still need to send the paper work in the post before you can get the money. I am all ready, easily on track to with my repayments and I am completely satisfied that I made the right choice to go with RBS considering how easy it all has been.THANKS RBS

Review posted by Mr Jack Brown

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This is not the first time I have taken out a loan with RBS. I have been with them more than 30 years and it is not the first time I have needed to borrow money and they have stepped in. I got in to so really bad money problems 6 years ago and I took out a consolidation loan to stop the debt getting any worse and RBS helped me pay it all off. I Could not borrow money for 4 years untill the loan was paid off and I was happy with this at the time as I was finally free from money problems and I was handling the payments well. It has been nearly 2 year since that loan has been closed and I need to buy myself a car now I am working again full time and my hours being a nurse are day shift and nights and can't always get a bus or a lift. So I applied with RBS again to see if they could help me out , there was alot baxk and forth btween them and me before they finally approved my loan. I thought at once stage for sure they would reject my application but they didn't , I'm so glad.

Review posted by Dylan Blake

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After my pal told me about RBS loan rates i decided to go online and look at their application process and rates for my self. I then found the calculator tool on there website and i thought it was really handy have this tool so see everyrhing they have to offer. I played around and i could easily estimate the amount that i might borrow and also see clearly what the repayments would be in adcance. It gave me a really good idea at what i would be looking at with the RBs and the interest rate that they said i may get loozed good to me. I spoke things threw with my partner before we decided I would apply for the loan and the re payment would come from our joint account that way we both could afford the repayments. I applifed online the same night and it was easy as RBS website we allowed the computer to submit the application form and submit it for approval. The RBS came back very fast with a decision and I was approved for the loan we both wanted.

Review posted by Angelina Ross

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am writen a short but sweet review to say thanks to my bank the RBS for helping me with my new loan. I have never used a loan before from any company Or any bank before but it was alot easyer than I have ever thought thanks to RBS. Everything was handled with them profesionaly and all done in time for my tight schedule I was on to get my money in time. This was important to me and rbs handled this very well and I would use them again once this loan is paid if I ever need one , I would use them again.

Review posted by Sweet heart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thank you RBS I went to them last week when I was thinking about taken out along to go on holiday. My son moved to American , new York and he comes to home every Christmas but he has been asking more and more for me to go visit. I have never been to American I have never been outside of Europe before and I am nervous about the flight so I asked my friend Susan to come with me. She has the money as she works full time and has no kids to help or support so she said she is up for going to NY city with me.Myself I needed help I don't have this kind of money but I can afford to borrow and pay back monthly so I decided I would find out what my options were.RBS are great , they really helped me get the 2000 pound to get to new York and back and visit my son who has no idea yet I am going. I will till him once the money comes threw and I get all booked up.

Review posted by Morgan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I smashed my car and it's been parked up for weeks outside my flat. I have driven around in my brothers audi TT since he is always on holiday I have been keeping it safe. Plus it gives me time to decide that am I going to do with my car my brother will give a look over once he's back. I really like his audi TT I have fallen in love with how easy this little car drives I really think I could get used to having a sports car. So I checked out the finance to see what a car like this would cost me monthly and I found a few off them like my brothers in auto trader I could go look at.Finance company's offer no rates lower than 8% and I did not think this was right as I have seen my own bank offer loans for 4.9% so I went to my own bank. I recommend the royal Bank of Scotland highly after coming threw for me with this car loan.

Review posted by Cheryl Patrick

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I didn't think this time around I would get to write a review for RBS. They are my own bank but when I have tired to borrow money with them before and they have flay out rejected me for a loan with no reason as to why. This time I applyed with them for a personal loan it was done the same as before but the big diffrence was the approved me , and finally I get to have a loan with a decent interest rate.I hope this is always the service I get from the RBS in future as this time around they have helped me.

Review posted by Kim Moore

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a customer with the royal Bank of Scotland and I have my morgtage with them also. Before I applyed with them for a loan I have never borrowed the money with the royal Bank before , I have a small loan and a overdraft else where and I was looking to bring this over to the royal Bank so everything was with the same bank and easy for me to keep a close eye on. The Royal Bank of Scotland are not easy to get hold of on the phone so I apply threw Internet banking for the loan amount I needed. I was surprised to see it was very happy easy to complete the application and get a decision from them. Paper work came in the post to my home address just like it tells you all online and I just had to Sign and send it back before I go the money it was alot easyer than I thought it would be. Now all thats left to do is pay off and close down my old loan and bank account and now I am 100 % royal bank customer now.

Review posted by Vicky Stewart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have had my ups and downs with The Royal Bank of Scotland over the many years I have been a customer with them. It is on natural when you have a long term relationship you have your problems but they have always managed to work them all out and in good time. Threw it all I have remained a loyal customer to the Royal Bank and I will stay with them even longer since they have recently approved me for my first personal loan. I can recommend them highly as they have always came threw for me when it matters. Sincerely Gemma Mcdogal

Review posted by Gemma Mcdogal

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I contacted the Royal Bank of Scotland back in December to take out a personal loan with them to cover Christmas and new year , baby's first Christmas wanted it to be special. I have since been back in contact with them to bring mt bank account over to them also. They have been fast at getting me the loan and they have promised to tranfer all my accounts and bills over to them. Since they have showing me a good service with the loan and I have now set up Internet banking I took advantage of a £50 reward to new bank account customers so I signed up to take advantage of this. It will take a few weeks in total to get everything moved over so I need to keep a eye on things but I am sure the royal bank will handle it just as professional as they handled my loan.

Review posted by Lara Brown

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have always trusted the Royal Bank (RBS) after all i have been with them for more than thirty years. My whole family bank with them and never had any hassle from them. Payments made on time and even have some small savings with them for my grandchildren. My personal loan with the royal bank has just came back approved for a 2nd loan with them and its more reassuring that they approved me almost immediately. I had always been very irresponsible with my finances even when I was younger and I had my first morgtage paid off in 20 yeats with the RBS also.I would not change banks or even consider the thought as I have always been more than satirised with the service my own bank (rbs) provided me and I know my family feel the same about this bank.

Review posted by Violet

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My loan that i applied for with The Royal Bank of Scotland , the personal loan has just come through today. Now I had better get a move on book my holiday online before thw pricing changes and i have ro borrow more money ro rake my family to new york. I plan to use the money to book a nice surprise trip to New york for myself and my husband and 19 year old daughter who has been dying to go to American since she saw hight school musical when she was 13. The loan that the RBS has approved me for is very competitive and comes with a monthly repayment plan I can make comfortably without any worry.

Review posted by Tiffany McDonald

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I never learned to drive a car when I turned 17 I was more interested in going out and partying with my friends. I did manage to get my 125cc moped licence last summer and I can have a small bike to run around on. I asked my parenrs for one at Xmas and my mum is dead set against it as she thinks it's dangerous and she thinks I should do driving lessons. I will in time but for now I want a motor bike so I asked rbs for a loan so I could buy one. I borrowed £1000 over 12 months and was approved for the money I needed. Now I can get my bank once the loan is finalised and my mum will just have to suck it I am getting a motor bike :-) !

Review posted by Hannah

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This great loan I got thanks to the RBS means I can settle and pay off my current credit card debts and stop usinf them. Havinf a barcleys credit card has been nothinf but problema on my part as i keep using it when i see something i want ro buy. I dont want to start another year with credit card debt so this loan is in a way a clean slate for myself. I thought about getting a loan for a long time and I wish I had gotten one sooner and maybe saved my self alot of money. At least now I can start saving some money and paying a normal apr on my money I borrowed. THANKS to the RBS I feel 100% better about my future and my money I now have with them.

Review posted by Mr Lewis Cooper

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I couldn't be happier with this personal loan from RBS. Its been a few years since I last took out a loan with them and I was pleased to see how much easier the whole process is these days. I particularly like the RBS "Quick Quote" which saved me a lot of time and effort. And unlike the last loan I took out, I got an instant decision on the loan so didn't have to spend any time worrying about being refused.This 5 year loan, which comes with a fixed rate, is the perfect solution to my current cash flow problem and I am delighted that I was able to get this loan from RBS instead of having to search around for another lender. Right now I am very happy to be an RBS customer.

Review posted by Ralph Henderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When did applying for a personal loan become so easy? I can hardly believe that within less than an hour of going online to look at the RBS loan website I have actually been quoted for and got approval for this loan. So, subject to the necessary checks being ok I should have the loan money in my account within the next couple of days.I am so glad I chose to go to my own bank first when I was looking for this loan because I am not so sure I would have got such a quick response to my loan request. I suppose it helps that I have been an RBS customers for over 10 years and that my credit history is pretty good. But even so, I am surprised and delighted at how easy this whole process has been.

Review posted by Gina Nolan, E. Kilbride

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Having been a customer with the Royal Bank of Scotland for many years already, I thought it would be easiest to apply for my personal loan with them. It definitely cut down on administration, as they already had all my financial and account information, and knew due to my monthly incomings and outgoings that I was unlikely to default on a loan. They gave me a very competitive quote, and I decided to proceed. The process was very easy, and I don't know if it was just because I also have my bank account with RBS, but the loan money went in really quickly.

Review posted by Ilana Hex

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I must say, in the beginning I found the RBS website a little confusing, because they offer such a wide range of services. However when I found the relevant page, it became quite straight forward. It was also really helpful to find a page titled 'loans jargon buster', as a first time borrower it was great to be able to find the meaning to some terms that I hadn't heard of before, without the need of feeling stupid. It was great to be able to do everything on the internet, and as an existing customer of RBS, a lot of the forms were filled out with my details automatically.

Review posted by Roberta Newport

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've seen some companies offer great deals for new customers, quite often better deals than what their current customers are getting, and I find this really unfair. It's almost like once we've caught you in our net, we won't care anymore. What was great about RBS, is they only offer loans to their existing customers, so I really feel valued as a client. This also means they have a 'Quick Quote' facility on their website, which means that you don't have to fill out all your details – most of it can be done for you from their records. I was really impressed by the level of service I received, and know who I will turn to for any money borrowing needs I may have in the future.

Review posted by Gina Radley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Recently I was offered an internship with my favourite newspaper. This was something I'd been looking to do for ages, so I was over the moon to be offered it. The only downside was that it was an unpaid position. Despite this, I knew the experience would be invaluable, and this is the industry I want to pursue a career in. In order to be able to accept the offer, I needed to take out a personal loan to be sure I could cover my expenses for the four week period. I've had a job with a steady income for the past two years, but I was concerned that the fact I was about to take four weeks unpaid leave would put money lending companies off dealing with me. Thankfully that wasn't the case with RBS, and they assessed me as an individual case rather than just letting me be processed by the system. To me it's these details that set their service aside from the rest.

Review posted by Scarla Armitage

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have always let the Royal Bank of Scotland handle my finances, mainly because it's who my family have always used too, so it just seemed sensible for me to follow suit. I have never had any problems with any of their services, and taking out a personal loan with them was no different. I went in to my local branch where the staff are always friendly and happy to help with whatever you need. They explained which option was best for my particular scenario, and then they did most of the work for me. Personally this suited me much better than having to spend hours finding a good deal on the internet, but everybody is different I suppose.

Review posted by Bailey Pillars

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My husband booked a cruise for the two of us and I have to say I was really excited about it. He paid a large deposit when he booked it, and the rest of the amount was due to be paid nearer the time. Unfortunately we have had several unexpected financial setbacks since then, and it's really had a negative effect on our savings. It was really beginning to become a worry that we didn't have enough money to pay the outstanding amount, and if we couldn't pay the full amount when it was due, we would lose the deposit too, which was a substantial amount of money. Thankfully, our trustworthy bank were as great as ever, and approved my request for a personal loan. The transfer was quick enough that we didn't need to lose our deposit, and now I can stop worrying and start looking forward to the cruise.

Review posted by Carol Blackburn

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

There a a few happy people in my family now that RBS have approved my personal loan. My wife and daughter being the main ones. This loan means they can get stuck into the task of organising our daughter's wedding and within reason they can push the boat out a bit for our only daughter's wedding.We were hoping we would be able to wait a few more years before our daughter walked down the aisle so that we could take advantage of our pension fund. But thats a couple of years off from now and our headstrong daughter wants to tie the knot this Summer and so we decided to apply to RBS for a loan to cover the cost of it all.We have managed to get a very competitive APR on this loan and the repayments are more than affordable so we really don't mind at all about taking on this loan which will be almost paid off by the time our pension fund is available.

Review posted by Anthony Stallybrass, Coventry

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We are very happy and pleased with this loan from RBS which we thought would not be possible as we had both just taken early retirement due to ill health.However, after a visit to our local RBS branch where we had a long discussion with their loan adviser, we were told that in spite of our retirement status we would still be eligible for one of their personal loans and at a very favourable interest rate also.We came away feeling very happy and relieved and we wanted to write to say thank you to RBS for the very personal attention they gave us when we met with their loan adviser and of course a huge thank you for this excellent loan

Review posted by B & D Heggarty, Scunthorpe

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been very happy with RBS in the time I have been a customer of theirs and even though I did look at other loan options when I decided to take out a personal loan, I was glad to find that RBS were probably the best option for me. I think that is as it should be because that's what your bank is there for and if they can't even match other high street banks with competitive interest rates then I think there is something wrong.Thankfully there doesn't seem to be too much wrong with RBS because I am more than satisfied with this personal loan and I am considered to be rather fussy so that's praise indeed for RBS.

Review posted by Pauline Draper, West Wickham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A few years have gone by since we took out our first loan with RBS and because that loan was more than suitable for us in terms of interest rates and convenience, we went back to RBS for this personal loan. We did do some research to see what other banks were quoting for similar loan amounts but we didn't find anything that was considerably better than what RBS were offering so we decided to stick to what and who we know best and just got our loan from them.Not too much has changed since that first loan, still the same friendly service from the staff at our local branch and still the same efficiency which meant we weren't waiting for ages to get the loan approved and the all important funds into our bank account. It's good to see that RBS have retained certain standards that we consider to be very important in a bank.

Review posted by Carol & John M., Merton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Our daughter announced at Christmas that she was getting married. Her dad was a bit put out because he is very traditional in certain things and thought the husband to be should have asked for his permission! Anyway when he got that little gripe off his chest he was as happy as I was to hear the news because we really like her fiance.We insisted on paying for as much of the wedding as possible because she is our only daughter and so the loan from RBS is how we are going to achieve that. We've been customers of RBS for a long time and we always said we would try and get the loan from them when the time arrived.So the time has arrived and we are really pleased with the loan RBS have approved for us which is going to ensure our daughter has a lovely wedding with no expense spared, within reason I hasten to add!

Review posted by Wendy & John, Croydon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I don't think I have ever posted a review before and I've definitely never had a loan before this one. I only went online to check what the current rates for personal loans were with different banks before deciding whether or not to go with RBS for my personal loan.I am glad that I used the internet to check out other lenders because it made it so much quicker and easier. I really found the Readies loan comparison website very helpful. I had planned to go to my local branch for this loan but was able to do it all online which was brilliant.This loan is over a 3 year period so it will be a while before I might need another one but I am very happy with the terms and conditions that RBS are offering with my loan and I am even happier with the APR which is one of the best I've seen advertised. I'm very pleased to be banking with RBS at the moment!

Review posted by Hannah D., Wilmington, Kent

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a customer with RBS since I got married 4 years ago. Hubby has been with them since he left university 10 years ago. So we like banking with RBS in general. They have always been a reliable and efficient bank and our first loan with them was to pay for our wedding. So when I decided to surprise my hubby with a trip of a lifetime to the Seychelles to celebrate his upcoming 40th birthday I immediately went to our local RBS branch to see about taking out a small personal loan in just my name so that I could keep it secret right up until the last minute.RBS co-operated brilliantly by approving a personal loan with monthly repayments that I could easily afford from my own monthly salary even though I only work part time now. I don't think I would have got such a good deal anywhere else and I am just hoping I can keep up the pretence of playing down hubby's 40th birthday so that he really does get the surprise of his life on the day.

Review posted by Amanda Hawley, Godstone

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Using the RBS online facility meant being able to get my loan sorted whilst I was away on a business trip instead of having to wait until I got back home. They also manage to stay competitive and for me that is the most important factor with their loans. It doesn't matter how easy and accessible their loans are if they aren't competitive enough and you are being charged a high interest rate. So long as RBS stay within the top 5 for competitive loans I will be happy to go with them rather than another lender. I think you have to stick with your bank and build up a good relationship with them in order to get the very best from them. Loyalty and trust are what you want from a bank and it should work both ways.

Review posted by J Peters, West Lothian

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been with RBS since my university days and have been satisfied with the service they provide. I am even happier now that they have approved me this personal loan at such a good APR. When I did the 'quick quote' calculator bit I thought there must have been a mistake because I was expecting a much higher rate. All through the application process I kept expecting that rate to rise but when the loan was approved and finalised and that brilliant 4.5% APR was still there I couldn't believe my luck. I really am chuffed with this loan from RBS and I'm breaking a habit of a lifetime by posting this review to say Well Done RBS and keep up the good work!

Review posted by Jake Burrows, Enfield

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm still banking with RBS even after moving back down to the south of England after my husband died. My husband and I had a good relationship with our local RBS branch and I didn't see the need to change banks just because I could no longer pop into my local branch. Most of my banking is done online now and so applying for this personal loan couldn't have been easier for me. I was more than happy with the APRs they were quoting on their website and I knew this would be tailored to suit my personal circumstances once I had done the online quick quote. Once I had the APR officially confirmed I was happy to continue with the application and before I knew it I had it all sorted and the funds in my account without any problems or queries. Totally stress free from start to finish which is what I have always found when dealing with RBS so I shouldn't have been surprised.

Review posted by Martha O'Leary, Kilburn

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My personal loan from RBS is a typical example of how modern technology can make my life so much easier. I didn't even have to leave the house to get this loan and as I am laid up with a broken leg at the moment it is probably just as well. My wife leaves all the finances to me so we wouldn't get very far if we relied on her to get this personal loan to pay for our daughter's wedding.I've been a customer of RBS since living and working in Edinburgh for nearly 20 years and when I was transferred to Burton-on-Trent I stayed with RBS which is just as well because otherwise I would have had to get my loan elsewhere and might not have got such a good deal. I'll be on crutches for a few more weeks but at least I have the loan to pay for the wedding and I should be able to walk my daughter down the aisle unaided!

Review posted by Jerry Marshall, Burton-on-Trent

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've never been one for taking out insurance policies on my electronics, a load of my mates do but I've always thought it was a waste of cash. That is until now, I was rushing around the other morning for work and pretty much threw my iPad into my briefcase and then I heard a lovely crash as something hit my tiled kitchen floor! I'd bloody demolished the screen beyond repair. I didn't have the spare cash that month to buy a new one and its a necessity for my job. I knew I was going to have to get a loan of some sort. Royal Bank of Scotland was a no brainer for me, they're a reputable company and they acme back to me with a loans contract that was very respectable. There's something to be said for using a company name you know. Jonathan Price.

Review posted by Jonathan Price

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I haven't received the loan money yet but RBS assure me it will be hitting my bank account within the next 24 hours so in the meantime I thought I would take the time to post a review to say how pleased I am with the loan RBS have arranged for me. It's always nice to be able to say something positive about banks as they do come under a lot of flack at times but I have always had a good relationship with RBS and so being able to get my personal loan through them was great because it just reaffirmed my high opinion of them and their service to customers like me. I never have a great deal of money going through my current account but I never feel that RBS treat me any differently to maybe some of their more affluent customers. The way they have handled this loan for me is proof of how committed they are to all their customers and that's why I like banking with them.

Review posted by Helen Fletcher, Cheshire

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I really like the Quick Quote loan calculator that RBS have on their loan website. It made the job of applying for this loan so much easier than the last time I applied for a personal loan with them way back in the early 90's to buy my first car. RBS like a lot of the other main banks have come a long way since those days and this easy to use loan calculator is a brilliant example of how they are trying to make things easier for their customers. Getting that instant decision was also a good thing. There's nothing worse than having to wait days to find out if your loan has been approved. So I'd just like to say thanks to RBS for approving my loan and for making the process of getting it so easy.

Review posted by Nigel Ferguson, Notting Hill

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I don't give out praise lightly so this says a lot for how I think RBS have performed with this recent personal loan application of mine. I hate using the computer but in this instance it was a pleasure to do so because I could apply for my loan, get the decision and then get on with the rest of my working day within an hour or so of logging on to the RBS loan website. There was a time when getting a loan from your bank would mean an appointment with your local branch to see the loan adviser and then mountains of paperwork before you saw your money. There was none of that with this loan, just a fast and efficient service with a very agreeable loan at the end of it. Thank you very much indeed RBS.

Review posted by David Moriarty, Lochguilphead

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am very pleased with the loan package RBS have put together for me and felt it warranted a thank you by way of this review. I am not necessarily someone who can be swayed by other people's reviews especially for something as personal as a loan but I just wanted to say that regardless of the APRs and other important aspects of a personal loan the customer service is something that sometimes gets overlooked and that is what I would like to highlight with this review. RBS really couldn't have been more helpful and accommodating throughout this loan process and as the loan was for quite a large sum of money I was anxious to get the best possible agreement to suit my personal circumstances and RBS did everything they could to ensure that. Customer Service at its best I think is the best way to sum up this loan!

Review posted by Malcolm Anderson, Hammersmith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

RBS have sorted out a really great personal loan for me and my fiance and before I get caught up in the whole Bridezilla thing I just wanted to say a huge thank you to everyone at RBS that was involved in processing this loan for me and for putting up with my constant phone calls before, during and after the loan was finalised. I must have been a bit of a nightmare customer but I am putting it down to a mixture of excitement and stress at the thought of having to organise this wedding within less than 6 months because we've decided at the last minute that we would actually love a Winter wedding in a proper Scottish castle and as it's my fiance with the Scottish heritage finding the perfect location is definitely going to be his task even if he contributes nothing else to the organising!

Review posted by Grace Lowry, Manchester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been with RBS since leaving uni and haven't had much to do with them apart from the usual day to day banking so when I decided to try for a personal loan I wasn't sure what sort of a reception I'd be getting. I had already done some online research using the loan comparison websites so I knew RBS were offering very competitive rates for their loans. It was just a case of would they be prepared to offer me one of them. I had a couple of other options to look at in case RBS refused me but I am glad to say I didn't have to resort to them. After filling out their Quick Quote I got a favourable response almost immediately and we just took it from there with the result being a really great, affordable loan that I am more than happy with. Thanks RBS!

Review posted by Rory Stewart,

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am very happy with this personal loan from RBS and I really mean that. Although nobody likes it, even the interest I will be paying on it is more than fair compared to what a lot of the other lenders are quoting for the same loan amount on a 2 year loan repayment period. I am delighted that I was able to get such a great loan from my own bank and I think RBS deserve recognition for the very competitive loans they are offering their customers. Banks are always getting a bad press but I think it's time we said nice things about them when it is deserved and RBS definitely deserve the stars I am going to score them with this review.

Review posted by Lara Jamieson, Keighley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thanks to this great loan from RBS I'll be driving down to London this weekend instead of getting the train. I got fed up lugging rucksacks every time I went to visit my folks in Camden and travelling back I always seemed to have twice as much stuff as I came down with. My dad told me to get myself organised and get a loan to buy myself a decent secondhand car and that's precisely what I have done thanks to this loan from RBS. As soon as I did the 'quick quote' on their website and saw how affordable a 3K loan was I went right ahead and applied for a loan. I am really glad I did and when this 2 year loan is repaid I just might consider getting another one to buy a new set of drums. Thanks for the advice dad and thanks for the loan RBS!

Review posted by Dan Webber, Glasgow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've just had my personal loan finalised by RBS and I am really happy because it means I can visit my sister and her family in Australia for Christmas this year. I've been trying to save up for the air fare but it just kept getting used for other things and I soon realised it was either a case of getting a loan or not going to Australia. The latter was not an option as I had been promising my sister I would visit her and apart from Skype we hadn't seen each other for nearly 5 years. I wish I'd got this loan sooner but at least the trip is definitely on the cards now and once the flights have been booked I can let my sister know the good news. I can't thank RBS enough for sorting me out with such a great affordable loan.

Review posted by Sara McArdle, Lytham St Anne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It couldn't have been easier really getting this loan from RBS. Once I had used their online quick quote tool and knew what sort of interest i'd be paying on my loan I could tell right away that this was a very competitive quote and so I didn't waste anymore time, I just went ahead and applied for the loan. I wasn't in a particular rush to get the loan but I did want to get it approved so that I could focus on what I wanted the loan for which was to buy an engagement ring for my girlfriend who I am hoping will be my fiancee by the end of this month. Unless I've been reading all the signals wrongly, I think there's every chance she will be but I don't want to count my chickens. Let's hope the ring I've chosen will bowl her over and she just can't say 'No'.

Review posted by Nick Cardew, Hammersmith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My husband and I have taken out this small personal loan with RBS to help towards the cost of our daughter's wedding. She wasn't expecting us to pay for all of it, she's the youngest of 3 girls and we've already seen the first two married now. But we wanted to be fair and give her the same financial help that the other two had so we needed a loan to do that. Once again RBS have come up with a very decent loan for us and it's on a par with the two previous loans we've had. Fortunately for us the girls have given us plenty of time in between each wedding so we haven't had them overlapping and we've managed to repay each previous loan in plenty of time before taking out the next one. No more weddings we hope after this one and maybe we can use our next loan for something for ourselves. Maybe a nice cruise or something?

Review posted by Helen Anderson, Bankfoot, Perthshire

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I wanted to say how pleased I am with the personal loan RBS have sorted out for me and my wife. We wanted to celebrate our ruby wedding with a trip to Canada to see the wife's family and we couldn't have done it without this loan. We've always been very happy with the service we have received from RBS so it never dawned on us to go anywhere else for this loan. Why would we when we know we are getting a very fair rate for a very convenient and affordable loan. That's always been the case since we've been banking with RBS and I don't think it's likely to change.

Review posted by George Logan, Edinburgh

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money