Online Banking
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Loans -
Personal Loans for our current account customers
Representative 6.9% APR
for online loans of £7,500 to £14,950
Other amounts are available at alternative rates, and rates depend on circumstances and loan amount.
- Borrow between £1k - £25k
- Flexible choice of repayment terms
- Safe and secure online application process takes about 10mins
Key Benefits
- Option to open your loan paper-free
- minimise postal delays and keep your information secure
- 85% of customers receive an instant decision
- No hidden costs
- there’s no fee to setup your personal loan
- If you bank online
- we can pre-fill your application details saving you time
- you could receive your funds next working day
- View and track your loan in Online Banking
Important information about our loans
- Over 18s only
- Our rates depend on your circumstances and the loan amount you apply for
- You need a regular income and finances in good health
- You must be an existing NatWest current account customer
- You must be permanently resident in the UK for tax purposes
Calculate rates, monthly repayments, and total loan cost.
Other useful links
Loan types
Thinking of consolidating your debts? View our Helpful guidance for more information
Get in touch
Lines are open: Mon to Fri 8am-8pm, Saturdays & Bank Holidays 9am-6pm, Closed on Sunday. Calls may be recorded- Find your nearest branch
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Telephone 0800 148 8326
Minicom 0800 917 0526
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Early Repayment Charge (ERC)
Early Repayment Charge (ERC) is a fee that sometimes applies when re-paying debt early.
It is less common with credit or store cards but more common with loans.
If an ERC applies, remember to take it into account when working out the cost of a new loan.
Flexible repayment terms
- Loans of £1,000 to £14,950 can be repaid over a maximum of 5 years
- Loans from £15,000 to £25,000 can be repaid over a maximum of 7 years
- Home improvement loans over £2,500 can be repaid over a maximum of 10 years
- The minimum loan term is 1 year, irrespective of loan amount
Receive your funds the next working day
We endeavour to release your funds as soon as possible.
Next working day applies if you:
- are registered for Online Banking
- apply between 6.30am - 5.55pm Monday - Thursday
- have your loan application unconditionally accepted
- choose to open your loan online
Sometimes we may need to give an application further consideration, and so the decision may be delayed.
Finances in good health
Consider your finances in 'good health' if you have a regular income and are normally able to pay your bills (mortgage/rent, credit card, utilities etc) on time.
If you have recently missed payments on bills or any debt, you may wish to phone us or visit your local branch before applying. If you have recently been declared bankrupt unfortunately we will be unable to lend to you.
Apply now
Apply for a Personal Loan
Please ensure you agree with the following statements:
- I am an existing NatWest current account customer and I am over 18 years old
- I have used the loans calculator and can afford the monthly payments for the loan I want
- I have not been declared bankrupt or received a CCJ (County Court Judgement) or Court Decree for unpaid debt
- I have not repeatedly missed payments on bills or debt
If you cannot agree with the above, we recommend you visit your local branch or call us to receive personalised guidance from one of our advisors.
Apply online now
Call us
Telephone 0800 148 8326
Customers with hearing and speech impairments can contact us by Minicom 0800 917 052
Lines are open: Mon to Fri 8am-8pm, Saturdays & Bank Holidays 9am-6pm, Closed on Sunday.
Calls may be recorded.
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