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Defaqto five-star rating logo – the best rating from Defaqto for an Unsecured Personal Loan 2022.
Loans

Apply in a flash now for a 5 star rated personal loan

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Your rate depends on your personal circumstances, loan amount and term and may differ from this Representative APR.

Why get a loan from us?

Get a free quote

Check what you could borrow and your rate before you apply for a personal loan. All without affecting your credit score.

Apply in 10 minutes

It takes minutes to apply for a loan online. It’s also easy, as we fill out your info for you where we can.

Relax, we're top rated

Both Moneyfacts and Defaqto gave our loans five stars – the best rating – in 2021, 2022, 2023 and 2024.

Get your money today

Your money could be in your account the same day if you apply and are approved for your loan before 5:45pm, Monday to Friday. This excludes bank holidays. It may take a bit longer if we need more info.

Personal loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly repayment

£137.55

Total repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% p.a.

(Fixed)

The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

Get your free personalised quote

Find out if we’re likely to say ‘yes’ before you apply – and how much your personal loan might be.

Don’t worry, a quote takes minutes and won’t affect your credit score.

Information Message

Could a different loan amount cut your interest rate?

A small change in the size of your loan could make a big difference to the total interest you pay.

That’s because the interest rate depends not just on your circumstances, but on how much you borrow.

So, what’s the best loan rate you could get from us? Have a play with our loan calculator.

Or get a loan quote.

(Remember, only borrow what you need.)

Information Message

How long could you borrow for?

You could pay back your loan over one to 10 years – it depends how much you’re borrowing and what you’re borrowing for.

Take out a joint loan

Joint loans

Take on life together with a joint loan

  • Borrow money with a loved one, family member or friend.
  • Spend the money on a special event or a shared passion.
  • Chip away at the loan as a team.
Information Message

Already got a loan with us?

Top up your loan

Want to borrow more money? We may be able to help.

Manage your loan

Overpay, pay off your loan and more.

Are you ready to apply?

We'll start with your free quote

At the start of your application, we’ll usually let you know if you could get a loan – and your personalised rate – without affecting your credit score. It’s then up to you if you want to go ahead.

To apply online, you'll need to:

  • Be 18+ and a UK resident.
  • Not have been declared bankrupt in the last six years.
  • Not have applied for a loan with us in the last 28 days.

Sounds good so far? Just a bit more info to get through:

Ready to apply?

Are you a NatWest customer?
What device are you using?
Are you using a mobile, or something else, to apply for a loan?
Is our app on the device you're using right now?
The NatWest app is the easiest way for you to apply for a loan. Do you have it on this device?
Are you applying on your own?

Great, let's get started

When you tap "Log in and apply", we'll take you to our app to start your application. 

Just so you know...

You can only apply if you have two loans or fewer with us. More than two loans? You'll need to pay one off before you apply.

A quick heads-up before you apply...

To apply for a joint loan applicants must both:

  • Be 18+ and a UK resident.
  • Have your own mobile number and email address.
  • Have had a NatWest current account for 3 months+.
  • Have our app - you'll use it to apply.
  • Not have been declared bankrupt in the last 6 years.
  • Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

  • Both your addresses.
  • Both your incomes and outgoings (how much you spend).
Do you have NatWest Online Banking?
If you know your Online Banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Apply for a loan’ (under ‘Ready to apply?’).

Log in and apply

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose 'Apply for a loan’ (under ‘Ready to apply?’).

Log in and apply

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest debit card, if you have one.

We'll start with a free quote...

  • We’ll let you know if you can get a loan and what it could cost.
  • If you go ahead, our partner Mitek will check your photo ID.
  • (Not got your photo ID to hand? You can do this step later.)

We'll start with a free quote...

  • We’ll let you know if you can get a loan and what it could cost.
  • If you go ahead, our partner Mitek will check your photo ID.
  • (Not got your photo ID to hand? You can do this step later.)