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Wedding loans

Plan your perfect day with a wedding loan

Representative 7.1% 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 and loan amount and may differ from the Representative APR.

Taking out a NatWest wedding loan

First of all… congrats! We’re so excited to be sharing this big moment with you. We know that planning your big day is an exciting and (at times) daunting task, so we want to do what we can to help with the budgeting bit.

With our wedding loan, you can...

Find a loan size that works with your budget

Use our calculator to work out how much you could borrow, how long you’ll need to pay this off and get an idea of the Representative APR

Use our calculator Open in new window

Apply in around 10 minutes

Applying for a wedding loan online is easy. Simply log in to Online Banking so we

can pre-fill all the info we already know.

Apply now Open in new window

Get your loan the same day you apply

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.

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Manage your loan

You can manage your wedding loan using Online Banking or our Mobile App once accepted. Our Mobile App eligibility criteria applies

Using our Mobile App Open in new window

To apply, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months).

Borrowing terms for a wedding loan

This is the length of time over which your loan agreement is in place. Our minimum and maximum terms for certain loan amounts are shown below.

Loan amount

£1,000 - £7,450
£7,500 - £50,000

Repay over

1 to 5 years
1 to 8 years

Wedding 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)
Apply for a wedding 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.

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

Can I pay off my loan early?

It’s important to remember that if you repay your loan early, you will be charged an Early Repayment Fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the Loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.

More about early repayment charges

Get a quote

Find out how likely you are to be approved for a wedding loan at the start of your application.

We'll show you how much you could borrow, your personalised interest rate and monthly payments. And there's no impact on your credit score.

Start an application to get a quote Open in new window

Is a wedding loan the right option for you?

Alongside wedding loans, there are lots of options when it comes financing a wedding. Whether you choose to dip into the bank of mum and dad, take out a loan or put your costs on a credit card, it’s important to choose the option that best meets your needs in terms of repayment terms.

So before you apply, take a look at our borrowing options guide. This can help you choose the right option to finance your wedding. 

Information Message

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.

Continue
What device are you using?
Are you using your mobile, or something else, to apply for a loan?
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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?
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Are you applying on your own?
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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.

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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. 

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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.
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Are you applying on your own?
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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

Previous

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

Previous

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.

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Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.
Previous
Next
Are you applying on your own?
Previous
Next

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

Previous

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

Previous

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.

Previous

Something else we can help you with?