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Personal Loans

Apply for a personal loan with our 5 star rated service

Representative 3.7% APR

Fast, simple, highly rated personal loans with NatWest

Get a quote with no credit score impact

If you have a NatWest current account and you're looking for a sole loan, in most cases we’ll confirm the loan amount and rate at the start of your application with no impact on your credit score.

Apply in only 10 minutes

It can take as little as 10 minutes to apply for a NatWest loan online. We'll ask you to log in to Online Banking so have your details handy.  We will also pre-fill some of your details to make the journey easier.

Money in your account the same day

You could get your loan funds on the same day if you apply online before 5.45pm Monday to Friday (excluding bank holidays).  Sometimes we may need to contact you for a little more information, so it can take a little longer.

Highly rated by independent bodies

We've been independently rated 5 stars for our 'Unsecured Personal Loan' by:

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 and loan amount 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.

The rate you pay depends on your circumstances and loan amount 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 a free personalised quote

Find out if you're likely to be approved for a loan and get your personalised rate at the start of your application. It only takes a few moments and there's no impact on your credit score.

Personal loan borrowing terms

This is the length of time your personal loan agreement is in place for. Our minimum and maximum terms for certain loan amounts are shown below.

What could you do with a NatWest personal loan?

Take on life together with a joint personal loan

Joint loans

  • Borrow money with a loved one, family member or friend.
  • You could use the money for a special event or a shared passion.
  • Chip away at the loan as a team.

Already have a loan with us?

Top up an existing loan

If you already have a loan with us but need to borrow more, we may be able to help.

Manage your existing loan

Manage your loan online and find out more about making extra payments, paying off your loan, and more.

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a UK resident with a NatWest current account (held for 3+ months)
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days.

Now please read a few other important things:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

Ready to apply?

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.
Are you applying on your own?

Great, let's get started

Great, let's get started!

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years                                                                          and either:                                                                                                             -  both hold a sole NatWest current account (held for 3+ months)        

            or                                                                                                                                         - share a joint NatWest  current account (held for 3+ months)

  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy

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.

 

Once you’ve registered, select ‘next’ to log in and apply for a loan.

Are you applying on your own?

Fantastic, you're all set!

Just a heads up - You will need your online banking details to log in and apply.

Great, let's get started!

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years                                                                          and either:                                                                                                             -  both hold a sole NatWest current account (held for 3+ months)        

            or                                                                                                                                         - share a joint NatWest  current account (held for 3+ months)

  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy

Something else we can help you with?