Online Banking
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Loans
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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
Representative
6.9% APR
for online loans of
£7,500 to £14,950
Other amounts are available. Rates depend on circumstances and loan amount.
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:
- Open an additional loan at our current rates and retain your old loan at its original interest rate. Or,
- 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.
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
Important information
If you opt to close your old loan early: An Early Repayment Charge (ERC) will apply.
Your existing loan may have Personal Loan Protector which will end if the loan is repaid, and is not available for 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.
Flexible repayment terms
- 1 to 5 years for loans from £1k to £15k
- 1 to 7 years for loans from £15k to £25k.
- Up to 10 years for home improvement loans over £2,500.
Remember, you could save money by keeping your repayment term short as this minimises the interest you pay.
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