Online Banking
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Personal Loan Calculator
View monthly repayments and interest rates for our online loans
- Simply pick the loan amount you need.
- Adjust the repayment term to suit you depending on the loan amount.
Rates quoted only available for customers who apply for a loan online. Rates depend on circumstances and loan amount.
Useful and important information
Our Budget planner can help you work out how much you can re-pay each month.
Our calculator provides an indicative quote only, our rates vary depending on your circumstances and the loan amount you apply for.
You must be over 18 and a NatWest current account customer to apply.
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
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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