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Top up your loan

Additional borrowing on your NatWest loan

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at other rates. The rate you pay depends on your circumstances and how much you borrow, so it may be different from the Representative APR (Annual Percentage Rate).

How to top up your existing loan

  • Topping up your NatWest loan could be a good option if you want to borrow more money.
  • When you top up a loan, we don't actually add money to it.  We use the new amount you borrow to pay off your existing loan and open a new loan.
  • You can also open a second loan with NatWest.
  • Remember, if you decide to borrow over a longer term, this could mean that you'll pay more interest overall.

Option 1 - Pay off an existing Natwest loan and borrow money

How does this top up loan work?

  • Get a new, bigger loan that pays off your existing NatWest loan – and gives you the extra money you need.
  • When you apply, ask for the money you need to pay off your existing loan, plus the additional borrowing.
  • So, if you owe £2,000 on your loan and want to borrow an extra £2,000, you’ll apply for a new loan of £4,000.
Information Message

Just so you know...

  • We’ll use your new loan to pay off your existing NatWest loan and close it for you.
  • You’ll pay an early repayment charge. See more about your early repayment charge.
  • Your new loan will have a new interest rate.
  • To pay off a loan, you must have more than one repayment left.
  • If you cancel your new loan within the 14 day cancellation period, we're under no obligation to re-instate your old loan.  We could offer you a new loan for the amount of your old loan at our current interest rates.
Information Message

Option 2 - apply for a second NatWest loan

How does this top up loan work?

  • 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.
Information Message

Just so you know….

  • You’ll have two loans, with two monthly repayments.
  • · Each loan will have its own interest rate.
  • · Each loan will have a different number of years to pay it back over.
Information Message

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.

Top up loan borrowing summary

You could pay back your loan over 1 to 10 years – it depends how much you’re borrowing and what you’re borrowing for.

Fancy a 3-month loan repayment holiday?

  • At the start of your application, we’ll give you a quote. This might include the option to take a repayment holiday.
  • You could then choose to delay your first repayment by three months.
  • You’ll need to say if you want to take a repayment holiday before you complete your application.

It’s easy to manage your top up loan in the NatWest app

How to apply

Manage your loan

Check your balance and overpay in our app.

Check your credit score

See your score in our app for free. Check your credit score, free.

Get your money on the same day

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri (excludes Bank Holidays). Sometimes we need to contact you for more information, so it can take a little longer.

Mobile App features

Manage your loan in the mobile app

View your credit score for free

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+, a UK resident and have had a current account with us for at least three months.
  • 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?

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute.

What device are you using?
Are you using your 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

Just a heads up - you'll be asked to log into the NatWest mobile app to start your loan application.

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

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a NatWest current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days.
  • you'll be asked to log into the NatWest mobile app to start your loan application.

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

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?

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 ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and 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 ‘Let’s start’ (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.
Are you applying on your own?

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 ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and 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 ‘Let’s start’ (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.