Existing customers

Manage my loan

Manage your loan and find out more about making extra payments, closing and paying off your loan, topping up an existing loan, changing your loan payment date, getting the app, and much more.

On this page

Manage my existing loan

Top up my existing loan

Download the app

App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. Online Banking available to customers with a NatWest account.

Thinking of borrowing more?

If you already have a loan with us but need to borrow more, we may be able to help. You can replace your existing loan with a new loan for a larger amount or open a new loan and run two side-by-side.

Borrow more

Struggling with the rising cost of living?

If you are struggling to make a payment, the sooner you reach out to us, the better and easier it will be for us to help. For help and tips, you can visit the cost of living hub.

Help with cost of living

Frequently asked questions

When is my first loan payment due? Close

When is my first loan payment due?

You can find the date of your first repayment in your loan confirmation letter. This also applies for customers who've recently applied for an Initial Repayment Holiday during their loan application.

If you applied for your loan online, the loan confirmation letter can be found in your Online Banking mailbox.
If you applied for your loan in branch or telephony, the loan confirmation letter was given to you in person, or sent to you by post.

What's my loan interest rate? Close

What’s my loan interest rate?

Interest is a charge on borrowing money and the interest rate is the size of this charge. You can find your interest rate on the original loan agreement, your confirmation letter as well as your annual statements. If you applied for your loan online, the loan confirmation letter can be found in your Online Banking mailbox.

Simply follow the link below, you will then be asked to fill in your details and we’ll be in touch within 3 working days with your loan interest rate. You can choose to receive this by email, text or both.

Request your loan interest rate

How do I request a copy of my existing loan agreement document? Close

How do I request a copy of my existing loan agreement document?

To request a copy of your existing loan agreement document, you can write to us at:

NatWest
Loan Information Department
6th Floor, 1 Hardman Boulevard
Manchester
M3 3AQ

You’ll need to include the following:

Full name and address including post code.
Any sort code and account numbers.
Previous addresses including post codes and dates you lived there.
Dates of the loan, if known.
Details of any changes and dates, if applicable.

How much interest am I paying on my loan? Close

How much interest am I paying on my loan?

If you’re looking to find out how much interest you are paying on your loan, you need an ‘Amortisation Table’. This shows the amount of interest that you pay for each loan payment that you make over the period of your loan.

Follow the link below, fill in your details and we will send an easy to understand amortisation table to your account address. You should receive this in 7 – 10 working days.

Request your amortisation table

We will send you a notification to let you know we’ve received your amortisation table request. You can choose to receive this notification by email, text or both.

How did a Coronavirus repayment break affect my loan? Close

How did a Coronavirus repayment break affect my loan?

For customers impacted by coronavirus we offered the ability to take a 3 month repayment break, which could be extended to 6 months. This option finished on 31 July 2021.

At the end of the break we provided the following options:

1. If you were able to make your deferred repayments (known as arrears) in full at that time, no extra interest was charged.

2. If you are unable to make your deferred payments in full, and you were not in arrears at the time you applied for a repayment break, you could extend your loan term in order to maintain your existing monthly repayment amount.

As notified, we will charge additional interest if the loan term was extended, so you will pay more interest overall.

Did taking a 3 month loan repayment break or extension impact my credit score? Close

Did taking a 3-month loan repayment break or extension impact my credit score?

No, you don’t need to worry. If your loan repayments were up-to-date when requesting your original repayment break, then we didn’t report negative data to the credit reference agencies. However, this is provided you either repaid the missed payments in full at the end of your break or added your missed payments to your loan via an extension to your term. As notified, we will charge additional interest if the loan was extended, so you will pay more interest overall.

If your missed payments remain outstanding, contact us to agree next steps. Any outstanding arrears may impact your ability to obtain further credit from us.

How can I request a loan statement? Close

Download the app

You can use the app to view your loan APR, current balance, your loan account number and sort code, original amount borrowed and the start date of your loan.

Get the mobile app

Unlock your finances

Want some help understanding your finances? Now is a great time to take our free Financial Health Check. It’s full of hints and tips on everyday spending and planning for the future.

Book your free financial health check

Additional support

How do I apply for a loan?

What happens once I have applied for a personal loan?

If you've signed your loan agreement online during your loan application:

We will usually process your application within 2 working days and will send you a text or email to confirm when the funds will be in your account. We may ask you to upload supporting documents we require (we'll let you know if we need this) via our secure online portal.
A confirmation letter, plus copies of the application documents, including a copy of your loan agreement, will be sent to your online mailbox along with a text or e-mail to notify you when the documents have been sent to your mailbox.
If your loan was unconditionally accepted, you signed your loan agreement online using the app or Online Banking and you applied before 5.45pm Monday to Friday (excluding bank holidays) you could have your money on the same day.

If you've not signed your loan agreement online during your loan application:

We will usually send you either an email or text with next steps within 2 working days.
We may invite you to upload any supporting documents we require (we'll let you know if we need this) and sign your application via our secure online portal.
Once you've submitted your signed agreement (including all the supporting documents we requested), we will usually process your application within 3 working days.

Manage my loan

Making an extra payment

Can I make an extra payment on my loan?

Getting a settlement figure and closing your loan

How do I get a settlement figure for my loan and close it?

Changing loan payment date

How do I change my loan payment date?

Receiving loan funds

How soon will I receive my money from my NatWest loan?

Thinking of borrowing more?

Struggling with the rising cost of living?

Frequently asked questions

When is my first loan payment due?

What’s my loan interest rate?

How do I request a copy of my existing loan agreement document?

How much interest am I paying on my loan?

How did a Coronavirus repayment break affect my loan?

Did taking a 3-month loan repayment break or extension impact my credit score?

How can I request a loan statement?

Download the app

Unlock your finances

Additional support

How do I apply for a loan?

What happens once I have applied for a personal loan?

What happens if I miss a loan payment?

Why is the balance of my loan more than I expected?

Something else we can help you with?