To apply for a loan online, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months)
A loan could allow you to spread the cost of credit from £1,000 - £50,000 over a defined period of time to suit your budget. A loan can be taken from a minimum period of 1yr to a maximum term of 10yrs (dependant on purpose)
Before you start your application, you will need:
Now you've thought about whether a loan is right for you and got your details together, let's look at those steps on your journey to get a loan.
Before you get started with applying for a loan, it's good to know what your credit score looks like.
A credit score is specific to you, with a higher score generally meaning you're more likely to be accepted, compared to low scores which could mean you're less likely to be accepted.
You can find out your score once you're opted in through our mobile app, which makes keeping an eye on your score really easy.
Not sure what 'good' looks like? No need to worry - we've got some info that could help in our credit scoring guide, along with advice on how to improve your score.
Credit score is available to customers aged 18+ with a UK address, and is provided by TransUnion. Our App is available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.
There's a bunch of different reasons why you might be looking to borrow money, so it's important to consider exactly how much you need before you get started.
A wedding is likely to cost a different amount from a shiny new extension on your house, so make sure you do your research before you get going.
Before you apply, it's important to know how much you're able to pay back towards your loan each month.
Use our loan calculator to find out what your monthly repayments are likely to be, as well as the Representative APR.
Once you've worked out the amount you want to borrow and how long you'll need to pay this off, you can get a quote that's completely personalised for you.
The good news is that if you have a NatWest current account and you're looking for a loan in your name only, 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.
Happy with steps 1 to 4 and ready to start your application? We've got you covered. Here we'll walk you through what you need to apply and how applying works.
Ready to get started? Head over to our Loans hub and have an explore of all our Loans pages.
When you've had a look around and are ready to apply, just follow our step by step guide below.
Congrats! We're excited to have you with us. There are still a few questions you might have at this point, so check out the most common questions below to learn more about what happens next.
