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.
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Existing customers
Manage my loan
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.
Manage my existing loan
Making an additional payment
Can I make an additional payment to my loan?
You can make overpayments or additional payments to your loan at any time. An overpayment can reduce the total amount of interest you’ll pay. You’ll be informed of any charges applicable when you make an overpayment so you can make a decision before you proceed.
The quickest way to make an additional payment is by using the app or Online Banking.
Here are the steps to follow for the app:
2. Tap on your ‘loan account’.
3. Tap ‘See payment options’.
4. Tap ‘Make an additional repayment’.
5. On 'Additional payment' screen, enter an amount that is more than your monthly repayment.
6. On 'Additional payment options' screen, you can decide either to reduce your loan term or reduce your monthly payments.
7. If you then decide to make an additional payment, follow the on-screen instructions by using an internal account, an external account, or how to contact us for other ways to pay.
Here are the steps to follow for Online Banking:
1. Log in to Online Banking and you will see your Account Summary page.
2. Next to your loan account, click 'Manage my loan'.
3. On 'My loan' screen, click 'Make an additional repayment'.
4. On 'Additional payment' screen, enter an amount that is more than your monthly repayment.
5. On 'Additional payment options' screen, you can decide either to reduce your loan term or reduce your monthly payments.
6. If you then decide to make an additional payment, follow the on-screen instructions by using an internal account, an external account, or how to contact us for other ways to pay.
Getting a settlement figure and closing your loan
How do I get a settlement figure for my loan and close it?
The quickest way to get your settlement figure and close your loan account is by using the app or Online Banking, where you can get your quote straight away.
Here are the steps to follow for the app:
2. Tap on your ‘loan account’.
3. Tap ‘See payment options’
4. Tap ‘Repay loan in full’.
5. On the ‘Pay off your loan’ screen, tap ‘How to pay’ and then tap ‘Get my quote’.
6. Your settlement quote including any early repayment fees will be shown in the journey (you will be able to download a PDF – as well as decide whether you want your quote delivered digitally as a PDF to your secure inbox, or a paper copy sent by post).
7. If you then decide to pay off your loan, follow on-screen instructions to repay by using an internal account, an external account, or how to contact us for other ways to pay.
Here are the steps to follow for Online Banking:
1. Log in to Online Banking and you will see your Account Summary page and your loan account.
2. Next to your loan account, click “Manage my loan”.
3. On “My loan” screen, click “Repay in full”.
4. On “Review Quote” screen, your settlement quote including any early repayment fees will be shown in the journey (you will be able to download a PDF – as well as decide whether you want your quote delivered digitally as a PDF to your secure inbox, or a paper copy sent by post).
5. Select “Confirm and Continue”.
6. If you then decide to pay off your loan, follow on-screen instructions to repay by using an internal account, an external account, or how to contact us for other ways to pay.
It’s important to remember that if you repay your loan early, you will be charged an Early Repayment Fee.
The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.
Changing loan payment date
How do I change my loan payment date?
You might want to change your loan payment date if you've recently started a new job and your salary date has been changed.
The quickest way to change your loan repayment date is by using the app or Online Banking.
Here are the steps to follow for the app:
2. Tap on your ‘loan account’.
3. Tap ‘See payment options’.
4. Tap ‘Edit payment details' and follow the on-screen instructions.
5. On 'Edit Payment details' screen, tap 'Edit' next to Payment Date.
5. On ‘Payment Date’ screen, use Dropdown Box to select ‘Payment Date’.
6. On ‘Payment Date – check details’ screen, review details of change request and tap “Confirm date change”.
Here are the steps to follow for Online Banking:
1. Log in to Online Banking and you will see your Account Summary page.
2. Next to your Loan Account, choose 'Manage my loan'.
3. On 'My loan' screen, click 'Edit' under Payment Date (in 'Payment Summary' box).
4. On 'Payment Date' screen, use Dropdown Box to select 'Payment Date'.
5. On 'Payment Date – check details' screen, review details of change request and click 'Confirm date change'.
Depending on the date you choose for your new payment date, it might mean that you could make 2 payments in a short period of time - please consider this when making a change.
Your monthly payment amount may rise or fall after you change the date we collect the money from you.
Making changes will alter your loan term slightly, which will impact the total amount of interest you pay.
We’ll show you what your new monthly payment will be in app before you go ahead with the change.
Changing loan payment account
How do I change the account I pay my loan direct debit from?
You may want to change your loan direct debit to be paid from a different account.
Please note: you cannot amend your payment to come from a Savings account, the account must accept direct debit payments.
The quickest way to make a change to the account you pay your loan direct debit from is via the mobile app.
1. Download and log in to our mobile app.
2. Tap on your 'loan account'.
3. Tap ‘See payment options’.
4. Tap ‘Manage your payment details’.
5. Tap ‘Change Direct Debit account'.
6. Follow the on-screen instructions.
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.
Frequently asked questions
When is my first loan payment due?
The quickest and easiest way to check when your first payment will be taken is via the mobile app.
1. Log into your app.
2. Tap on your 'loan account'.
3. Tap ‘View loan details' to see your loan repayment date, and repayment amount etc.
We'll also send you an SMS to remind you when your first payment is due.
You can also find it in your loan approval letter;
- If you applied for your loan online, the loan approval letter can be found in your Online Banking mailbox.
- If you applied for your loan over the phone, you’ll have received the loan approval letter by post.
What’s my loan interest rate?
The quickest and easiest way to see your loan interest rate is via the mobile app.
1. Log into your app.
2. Tap on your 'loan account'.
3. Tap ‘View loan details' to see your original interest rate.
Alternatively you can find this in your loan agreement and your confirmation letter as well as your annual statements.
If you applied for your loan digitally, the loan confirmation letter can be found in your digital mailbox.
How do I request a copy of my existing loan agreement document?
If you applied for your loan digitally you can find your loan agreement in your mailbox within the app.
1. Log in to the app.
2. Tap notifications (bell icon).
3. Select 'Mailbox' to obtain your agreement.
Or you can write to us at:
NatWest
Loan Information Department
1 Spinningfields Square
Manchester
M3 3AP
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?
The quickest and easiest way to see how much interest you are paying is via the mobile app.
1. Log into your app
2. Tap on your 'loan account'.
3. Tap ‘My transactions' to see your how much interest you pay each month.
4. Interest is identifiable by the % icon.
How can I request a loan statement?
You can request your loan statement online. Simply follow the link below and you will then be asked to fill in your details and we will send your annual statement to your account address. You should receive this in 7 – 10 working days.
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.
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.
Additional support
Please visit our loans page for more information on applying for a 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
Please visit our struggling financially page for more information and support on what to do if you miss a payment.
The balance is not a settlement figure and the balance you see in online banking or the app isn’t the amount needed to pay off your loan in full (it doesn’t include an early settlement charge or accrued but not yet applied interest).
For more information you can complete the request for an early settlement quote here.