Apply for a Personal Loan
Our Personal Loan could be a good choice if you’re looking for fixed-rate repayments.
- Fixed rate – repayments are fixed for the length of your loan
- Other loan amounts are available
- Money in your account next working day (online banking customers only)*
- For existing current account customers only
Important information - read this before you apply
You need to be aged 18 or over and a permanent resident in the UK for tax purposes.
Please note our Personal Loans are only available to existing NatWest current account holders.
Please ensure you have read the product information and have read and understand the terms and conditions. (PDF 330Kb)
For loans under £15,000, the maximum repayment term is five years. And for loans between £15,000 and £25,000, you can borrow over a maximum of seven years. However, if you borrow over £2,500 for home improvements, the maximum term is 10 years.
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Continuing your application online
For existing customers
Already have an account with NatWest?
Not got a NatWest current account?
Our personal loans are only available to NatWest current account holders. Not got one?
If you bank online we could save you time by pre-filling your application.
Over 18s only. Rates depend on circumstances and loan amount.
*Money in your account the next day applies to existing NatWest online banking customers who apply between 6.30am and 5.55pm Monday to Thursday (excluding public holidays). For customers who meet all of our credit requirements, have their loan application accepted, are eligible and choose to complete their loan documentation online, the loan funds will be available the next working day from 9.00am. In some cases we may need to refer a decision, in which case, it may take longer.