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Loan Calculator

Use our loan calculator to estimate how much you could borrow, your representative interest rates and monthly payments, with no impact on your credit score. 

Calculate your loan repayments

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. 

Getting your quote

Now that you have an idea of the loan you want, start an application below to get a personalised quote. You will find out if you're likely to be approved and see your personalised rate with no impact on your credit score. This is available if you have a NatWest current account and looking for a sole loan.

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a UK resident with a NatWest current account (held for 3+ months).
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

Ready to apply?

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?

Great, let's get started

Great, let's get started!

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

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years                                                                          and either:                                                                                                             -  both hold a sole NatWest current account (held for 3+ months)        

            or                                                                                                                                         - share a joint NatWest  current account (held for 3+ months)

  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy

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.

 

Once you’ve registered, select ‘next’ to log in and apply for a loan.

Are you applying on your own?

Fantastic, you're all set!

Just a heads up - You will need your online banking details to log in and apply.

Great, let's get started!

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

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years                                                                          and either:                                                                                                             -  both hold a sole NatWest current account (held for 3+ months)        

            or                                                                                                                                         - share a joint NatWest  current account (held for 3+ months)

  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy

Something else we can help you with?