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Holiday Loans

Plan your travels with a NatWest holiday loan

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.

What is a holiday loan?

A holiday loan is a personal loan that you can use to finance holidays, spreading the cost through monthly loan repayments.

aeroplane

Taking out a holiday loan

Planning a trip away? You could make your dream getaway a reality with a NatWest holiday loan

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. Sometimes we need to contact you for more information, so it can take a little longer

If you're thinking about using a loan to fund your holiday, make sure you've considered all your borrowing options

Holiday loan borrowing terms

This is the length of time you can take a holiday loan over, depending on the amount you're borrowing.

Holiday 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, loan amount and term 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.

Take a break, with a loan repayment holiday

When you apply for a loan, based on your circumstances, we might give you the option to defer your first repayment. 

  • It's only available at the start of your loan term
  • You can defer your first loan repayment for a three month period
  • If this option is available, we'll show the details of your repayment holiday at the quote stage of your application

How do holiday loans work?

Like other personal loans, when you choose a holiday loan, you’ll receive your money in a lump sum to pay for your holiday. You then pay this back over an agreed period of time. You’ll also pay interest on top of the amount you’ve chosen to borrow.

You can also personalise the amount you borrow to cover all costs. For example, if your big summer holiday will cost £10,000, you could opt to borrow a little more to cover the costs of add-ons such as airport transfers or excursions and day trips, which you wouldn’t be able to do with other holiday finance options.

Learn more about our holiday loans

Benefits

Get a quote with no impact on your credit score

If you have a NatWest current account, in most cases we'll confirm the loan amount and your rate at the start of your application with no impact on your credit score. Nice and handy.

Money in your account

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.

You can choose to repay your loan early

If things change and you find you have a bit more money, you might decide to repay your loan early. It's important to remember that you will pay an early repayment fee.

Features

Borrow between £1,000 - £25,000

NatWest holiday loans can be taken out over 1-5years. 

Loans for many uses

We offer personal loans for many purposes but it’s up to you what you’d like to spend it on. These are some things you could use a loan for...

Mobile App

Manage your loan in the mobile app

Check your credit score in the mobile app

Other ways we can help

Check if you're likely to be approved

Find out if you're likely to be approved for a loan at the start of your application. If you have a NatWest current account, in most cases we'll confirm the loan amount and your rate with no impact on your credit score.

Find out if a holiday loan is right for you

There are lots of choices when it comes to borrowing money. You can take a look at our borrowing options guide to help you figure out what type of lending will best suit your needs.

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.

Holiday loans - Frequently asked questions

Something else we can help you with?