Check your eligibility before you apply - it won't hurt your credit score.
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Check your eligibility before you apply
- 01
Start with a quote
Find out how much you could borrow and the cost. It won't hurt your credit score.
- 02
Complete your application online
You need:
- Your addresses for the last 3 years.
- Your income, spending and employment info.
After you know how much you can borrow, it’s up to you if you want to apply.
- 03
Get your cash in your account
You could get your money today – if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.
You could borrow from £1k to £50k
It depends how much you’re borrowing and what you’re borrowing for.
- Borrowing from £1,000 to £7,450? You’ll pay us back in 1 to 5 years.
- Borrowing for a holiday? You could borrow from £1,000 to £25,000: You'll pay us back in 1 to 5 years.
- Borrowing from £7,500 and £50,000? If it’s not for home improvements: You’ll pay us back in 1 to 8 years.
- Borrowing from £7,500 to £50,000? If it’s for home improvements: You’ll pay us back in 1 to 10 years.
Option 1: Replace your existing loan(s)
- Get one bigger loan that pays off your existing NatWest loan(s) - and gives you the extra money you need.
- You'll have just one fixed-rate loan payment, so it's easy to manage.
- You'll have a new interest rate, which might be more than the interest on your existing loan.
- You'll need to pay an early repayment fee. This will be included in the amount needed to pay off your old loan.
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Option 2: Apply for a separate loan
- You'll keep your existing NatWest loan – which will stay the same, with the same interest rate.
- Then apply for a second NatWest loan for any additional borrowing you want.
- Each loan will have its own interest rate and a different number of years to pay it back over.
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Let's start with a quote...
Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool.
We'll start with a quote- this won't hurt your credit score.
At the start of your application, we'll say if you could get a loan and what it could cost. It’s then up to you if you want to go ahead.
To apply online, you'll need to:
- Be 18+, 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.
Subject to approval, existing customers could borrow up to £50k if applying via our app, Telephone or Online Banking. New customers up to £35k.
Okay? Here's a bit more to read: