Personal
Bank Loans
Loan calculator

Check out our loan calculator

How much could you borrow? And what could it cost you? Have a play with our loan calculator to get an idea.

To apply for a loan online, you must be 18+ and a UK resident. Had a current account with us for 3+ months? You could borrow up to £50,000. Otherwise, if you don't have a current account, you could borrow up to £35,000.

Try our personal loan calculator

What are you borrowing for?

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Text *

Text

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)

Apply for a loan

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.

Are you ready to apply?

Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool.

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+ and a UK resident.
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:

What you can't use our loans for

We care about lending responsibly. So, you can’t use a loan from us for some things, including:

buying property, a static caravan, or land.
a deposit for property, a static caravan, or land.
household bills, rent or mortgage payments.
car tax.
business purposes.
late payments.
tax avoidance schemes.
court or solicitors’ fees.

gambling.
buying shares or other investment funds.

How to get extra help with your banking

Are you an existing customer who needs a little more help? Maybe you’ve got a disability, English is your second language, or you’ve recently lost someone.

We’re here for you. Just let us know once, so we can update our systems and offer you the support you need.

You can tell us online, call us, or visit a branch. To share your details with us, go to Banking My Way.

How we use your info

It's important for you to understand how we use and share your info. Before you continue with your application, please read how we use your data.

Ready to apply?

Apply for a loan

Do you have a NatWest current account?

Please choose an option below to continue

Yes, I have a NatWest current account

No, I don't have a NatWest current account, however, I have a NatWest savings account, mortgage, loan, or credit card

No, I'm not a NatWest customer

What device are you using?

Are you using a mobile, or something else, to apply for a loan?

Please choose an option below to continue

I'm using my mobile

I'm using my desktop or tablet

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?

Please choose an option below to continue

Yes, the NatWest app is on this device

No, I don't have the NatWest app

Are you applying on your own?

Please choose an option below to continue

Yes, it's just me

No, I want a joint loan

Great, let's get started

When you tap "Log in and apply", we'll take you to our app to start your application.

Just so you know...

You can only apply if you have two loans or fewer with us. More than two loans? You'll need to pay one off before you apply.

A quick heads-up before you apply...

To apply for a joint loan applicants must both:

Be 18+ and a UK resident.
Have your own mobile number and email address.
Have had a NatWest current account for 3 months+.
Have our app - you'll use it to apply.
Not have been declared bankrupt in the last 6 years.
Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

Both your addresses.
Both your incomes and outgoings (how much you spend).

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.

Please choose an option below to continue

Yes

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.

What do you need to log in to Online Banking?

You’ll need:

Your Online Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Online Banking.
Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
You’ll return to our loans page.
Choose ‘Apply for a loan’.
Choose ‘Apply for a loan’ (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.

How to register for Online Banking

Head to 'Register for Online Banking.'
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you, you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.
Go to the NatWest website and click ‘login’ in the top right-hand corner, have your activation code to hand.
On the login page, type in your customer number and activation code.
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.
Done, finished, complete. Now you can manage your finances anywhere you can get online.

Do you have Online Banking?

Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Please choose an option below to continue

Yes, I've got Online Banking

No, I've not got Online Banking

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.

What do you need to log in to Online Banking?

You’ll need:

Your Online Banking customer number, PIN and password.
Your mobile phone – to get your one-time password.

How to apply:

(Please take notes or a picture of this, so you remember)

Log in to Online Banking.
Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
You’ll return to our loans page.
Choose ‘Apply for a loan’.
Choose 'Apply for a loan’ (under ‘Ready to apply?’).

Log in and apply

Let’s get you signed up for Online Banking

How to register for Online Banking

Head to 'Register for Online Banking.'
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you, you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.
Go to the NatWest website and click ‘login’ in the top right-hand corner, have your activation code to hand.
On the login page, type in your customer number and activation code.
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.
Done, finished, complete. Now you can manage your finances anywhere you can get online.

We’ll let you know if you can get a loan and what it could cost.
If you go ahead, our partner Mitek will check your photo ID.
(Not got your photo ID to hand? You can do this step later.)

We’ll let you know if you can get a loan and what it could cost.
If you go ahead, our partner Mitek will check your photo ID.
(Not got your photo ID to hand? You can do this step later.)

Loan Calculator FAQs

How does a loan calculator work?

A loan calculator is a quick and easy way for you to get an idea of:

How much you could borrow.
How much you'd pay back each month.
How much interest you might pay.

But it's not a personalised quote...

It's based on what most approved customers get – the Representative Example.
Your interest rate could be higher, or lower – it depends on your circumstances.

Your interest rate also depends on:

How much you borrow.
How long you borrow for.

What are the benefits of using a loan calculator?

Our loan calculator won't affect your credit score and:

It's instant – it's quick and easy to use and gives you an idea of what a loan could cost you each month.
It's insightful – play with the calculator and you'll see that changing how much you borrow could change the total interest you pay.

This isn't a personalised quote...
To find out if you'll be accepted and what you pay, get a quote.

What is APR?

APR stands for Annual percentage rate.

It tells you the total cost of your loan, including interest and any standard charges.

Representative APR is used by all lenders, so it's easy way for you to compare borrowing.

'Representative' refers to average. This means that most customers who get a loan will get this rate.

Your rate could be more or less. It depends on your circumstances.

How can I get a personal loan?

To get a UK loan, you usually need to:

Be 18+.
Live in the UK.
Earn over a certain amount.
Have an okay credit score.

Want a step-by-step guide to applying?

How to apply for a loan

Check out our loan calculator

Try our personal loan calculator

How much would you like to borrow?

How long would you like to repay?

Representative Example

% APR

% p.a.

Are you ready to apply?

We'll start with your free quote

To apply online, you'll need to:

Sounds good so far? Just a bit more info to get through:

What you can't use our loans for

How to get extra help with your banking

How we use your info

Ready to apply?

Great, let's get started

A quick heads-up before you apply...

Log in to start your application (please read the below carefully)

What do you need to log in to Online Banking?

Let’s get you signed up for Online Banking

How to register for Online Banking

Log in to start your application (please read the below carefully)

What do you need to log in to Online Banking?

Let’s get you signed up for Online Banking

How to register for Online Banking

We'll start with a free quote...

We'll start with a free quote...

Loan Calculator FAQs