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Borrowing more?

If you already have a loan with us and are looking to borrow a bit more, there’s flexible options that could help:

  • Take out a new loan in addition to your current loan, or
  • Replace your existing loan with a new loan for a larger amount

Loans calculator Loans calculator Apply online now

Our BEST EVER rate,
Representative 6.4% APR
for loans of 7,500 to 14,950.

Other loan amounts are available at alternative rates. Rates depend on circumstances and loan amount. Loans available to existing NatWest current account customers aged 18 or over.

Information about our loans

  • Borrow from 1k to 25k in total across your loans
  • Flexible repayment terms depending on purpose and amount (more info)
  • Borrow for almost any purpose
  • If you bank online we’ll pre-fill your application and you could have the funds next working day

What options do I have when borrowing more?

As an existing loans customer you have two options:

  1. Open an additional loan at our current rates and retain your old loan at its original interest rate. Or,
  2. Replace your existing loan with a new loan for a larger amount. We'll close your existing loan for you as part of the process.

If choosing this option:

  • An Early Repayment Charge (ERC) will apply, take this into account when working out costs.
    • To find out your outstanding loan balance, current rate, and your ERC please call us or visit your local branch.
  • Your existing loan may have Personal Loan Protector which will end if the loan is repaid, and is not available on new loans. If you wish to protect your income please visit your local branch.
  • Minimise costs by keeping the term of your borrowing short, a longer term can increase the overall interest you pay.

What important information do I need to be aware of?

  • To find out your outstanding loan balance, current rate, and your ERC please call us or visit your local branch.
  • Your total loan borrowing with us cannot exceed 25k
  • You must be over 18 and have a NatWest current account to apply.

Loans calculator Loans calculator Apply online now

Ways to apply

  • Call to book an appointment or speak to an advisor
    0800 148 8326

    Minicom
    0800 917 0526

Monday to Friday 8am-8pm
Saturday 9am-6pm
(excluding public holidays)
Calls may be recorded