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