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Try 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. 

Get an instant estimate with no impact to your credit score

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. 

Let's start with a quote...

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 a quote-  this won't hurt your credit score.

At the start of your application, we'll say if you could get a loan and what it could cost. It’s then up to you if you want to go ahead.

How much you could borrow:

Had a current account with us for 3+ months?

You could borrow up to £50,000.

Not had a current account with us for 3+ months?

You could borrow up to £35,000.

 

To apply online, you'll need to:

  • Be 18+, 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.

 

Okay? Here's a bit more to read:

See how much you could borrow...

Are you applying on your own?

Great, let's see if you could get your loan...

A quick heads-up before you start...

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+.
  • 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).