Borrowing Needs

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Compare your borrowing options

If you need to borrow money and you are not sure which product might be right for you, use this tool to compare the features of different types of lending

What do you need to borrow money for?

Making a one-off purchase

Cost of living
Debt consolidation
Home improvements
Buying a home
An emergency
More than one reason
Something else

Here’s some helpful information about different types of borrowing 


An overdraft is often used as a short-term safety net. It's a set limit that can be used (at a cost).

Arranged Overdrafts are only available to eligible customers with a NatWest current account, aged 18 or over.

Visit Overdraft pages

Credit cards

Credit cards could be helpful if you prefer to keep your everyday expenses separate from your current account.

To apply you need to be UK Resident, aged over 18 and earn at least £10,000.


Visit Credit card pages

Personal loan

A personal loan from NatWest lets you borrow between £1,000 and £50,000 and you’ll know how long it will take to repay and how much it will cost you each month.

To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months).

Visit Loan pages

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