Loans and Borrowing – Common concerns – FAQ – RBS

Loans and Borrowing – Common concerns – FAQ – RBS

Snacks regarding the Royal Bank of Scotland web site

We utilize snacks and comparable technologies on our internet sites and mobile applications to assist give you the most effective online experience. http://speedyloan.net/reviews/maxlend/ By utilizing our internet sites and apps, you agree totally that we possibly may keep and access snacks and technologies that are similar your unit.

Typical questions

Who is able to make an application for an Royal Bank of Scotland loan that is personal?

You need to be: 18+ and A british resident with either a Royal Bank of Scotland current account (held for 3+ months), bank card or mortgage (held for 6+ months).

You can easily connect with borrow any amount from ??1,000 to ??50,000.

Additionally it is good to understand our rates are exactly the same for brand new and current customers.

Icon expand What may I borrow cash for?

You can easily borrow for every purpose. If you should be about to utilize the loan for over one function, select the purpose simply which will use up significantly more than 50% regarding the loan. As an example, in the event that you’re borrowing ??11,000 split between a motor automobile for ??6,000 and house improvements for ??5,000, you really need to choose ‘Car’ once the function of your loan. If no single function accounts for 50% or maybe more of this loan, please choose the purpose that defines the primary reason for the borrowing.

Icon increase How soon can I get my cash?

Currently an electronic digital Banking client? The funds could possibly be in your account the following day time. For this, you??™ll want to use online, enter your web Banking details and satisfy our credit demands.

Even although you’re perhaps maybe not registered for Digital Banking, it is possible to still apply online. At the mercy of contract, we will deliver your documents by post, these typically arrive within 3-5 times. Merely check, sign and get back the documents to us. The funds might be in your bank account within two days, supplied the application is prosperous.

Icon increase What could I add as “income” when doing the application kind form for my online loan?

You should accumulate all your valuable earnings that are monthly. You can add: – Salary (after income tax) – Pension – impairment residing Allowance

You may consist of: – Court-agreed son or daughter upkeep – Long-term city, housing, or move allowances from your own manager – kid Tax Credit – performing Tax Credit (if it is not currently contained in web wage) – Under ‘Other month-to-month income’ you can add youngster benefit, some other state benefits and just about every other internet (after taxation) regular income you will get.

In the event that you declare earnings that is not shown on the Royal Bank of Scotland present account, we possibly may require additional verification.

Icon expand what goes on as soon as We have used online?

Following your internet submission:

– we will print the mortgage contract and deliver it for your requirements the moment we could (usually the following day time).

– as soon as you get your contract, please sign and date it where specified and deliver it back once again to us when you look at the envelope offered. When we’ve expected for verification of identification, earnings or any other papers, be sure to make sure to enclose the documents that are original. We will return these for your requirements.

As we’ve received your signed contract (including all of the supporting papers we requested), we’re going to often process the application within two trading days. Nonetheless, we possibly may need certainly to contact one to make clear details in the job – if that’s the case, we are going to phone or compose to you personally within two trading days.

If we’ve prepared your entire papers, we will move your loan funds in to the Royal Bank of Scotland account that you have specified on your own application.

Please be aware: the application stays an understanding in concept (in place of our concluding decision) until we have finished our credit evaluation procedure. We might must also contact you for more info to guide the application. Should this be prone to influence our ultimate decision or perhaps the timing of y our concluding decision, we will contact one to tell you.

Should you want to talk to some body regarding your application

When you yourself have submitted an on-line application for your own loan and would like to enquire regarding the status of one’s application, please give us a call regarding the number below.



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