To apply, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months).
Get a free quote
Check what you could borrow and your rate before you apply – without affecting your credit score.
Apply in 10 minutes
It takes minutes to apply online. It’s also easy, as we fill out your info where we can.

Relax, we're top rated
Both Moneyfacts and Defaqto gave our loans five stars – the best rating – in 2021, 2022 and 2023.
Get your money today
Your money could be in your account the same day if you apply and are approved before 5:45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info.)
Personal loan calculator
Representative Example
£7,500
0 months
£137.55
£8,253.00
3.9
% APR
3.9
% p.a.
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 your free personalised quote
Find out if we're likely to say ‘yes’ before you apply and how much your loan could cost you.
Don’t worry – a quote takes minutes and won’t affect your credit score.
Could a different loan amount reduce your interest rate?
The interest rate you pay depends on the loan amount and your personal circumstances. A small change up or down in the amount you decide to borrow could make a big difference to how much interest you pay overall.
It’s worth checking whether you could get a better rate by borrowing a slightly different amount. You can do this by getting multiple quotes without any impact on your credit score.
Remember, only borrow the amount you need to borrow.
How long could you borrow for?
Buy a car
Home improvements
Consolidate debt
Get married
Go on holiday

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.