Premier Loans

Make your big dreams a reality with a premier loan

Representative 5.9% 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. Premier banking customers may qualify for a preferential rate.

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

On this page

Why choose a premier loan

Borrowing terms

Get a quote

Loans over £50,000

Premier loan faqs

Apply for a loan

Why get a premier loan with NatWest

Exclusive loan rates

If you are a Premier customer, we may be able to offer you a preferential rate on your loan.

How do I see my personalised rate?

If you're applying for a loan in either your sole name or joint names you can see your personalised rate at the start of your online application

Apply online in 10 minutes

It can take around 10 minutes to apply online when you use Online Banking, and we'll pre-fill some of your information to make your application faster.

Money in your account the same day

You could get your loan funds on the same day 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.

Borrowing terms

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

Get a free personalised quote

Find out if you're likely to be approved for a loan and get your personalised rate at the start of your application. It only takes a few moments and there's no impact on your credit score.

Get your personalised quote

Loans over £50,000

We offer loans over £50,000 exclusively to our Premier customers.

How do I apply for a loan over £50,000?

Please contact your Premier Banking Manager if you would like to discuss how to apply for a loan over £50,000

How much you're able to borrow will depend on your individual circumstances.

Contact us in a way that suits you, at a time that suits you.

In Person

For loans over £50,000 or for more complex matters please contact your dedicated premier banking manager who will be able to assist you.

Over the phone

Exclusive 24/7 support for all of your banking needs at a time convenient for you by calling Premier24 0333 202 3330

Chat to us

When you are on the phone and you need that question answered or are multi tasking, webchat with us.

Premier loan FAQs

What do I need to apply for a loan online? Close

To apply for a personal loan online you will need:

Your Online Banking log in details
Your address details for the last 3 years
Your income, outgoings and employment details

If you're interested in a loan over £50,000 please contact your Premier Banking Manager to apply.

When will I receive my money? Close

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri.

If we need to contact you for some additional information, it can take a little longer.

Can I apply for a loan in the NatWest mobile app? Close

Yes and it's very simple. All you need to do is:

Log in to your NatWest mobile app.
Tap 'Apply' in the bottom right hand corner.
And go to 'Loans'.

Follow the information on the page and we will guide you to complete your loan application.

Our mobile app is available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. You must be a UK resident to apply for a loan.

What can't I use a premier loan for? Close

There are some things a personal loan can't be used for. These include:

Buying or putting down a deposit on a property or land
Static Caravan
Household bills, rent or mortgage payments
Car tax
Business purposes
Payments in arrears
Tax avoidance arrangements
Court or solicitors' fees
Gambling
Buying shares or other investment funds

Can I repay my loan early? Close

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

What are my other borrowing options? Close

Depending on what you need money for, a credit card or overdraft might be a better option than a personal loan. Our Borrowing Options guide will help you figure out what type of lending will suit you best.

Can I borrow for more than one purpose? Close

Yes, you can borrow for more than one purpose on the same loan. For example, if you want to consolidate debt and make some home improvements, you can apply for one loan to help with the cost of both. If you are borrowing for more than one purpose, please select the purpose on which you'll spend the gratest amount of the loan funds as the loan purpose.

What is a personal loan? Close

A personal bank loan is a sum of money you borrow to help you reach a certain financial goal. You'll need to pay it back over an agreed period, with interest. Depending on what you need the loan for, you could choose to pay it over a shorter or longer period.

The right personal loan for you will depend on your circumstances, but some of the things to consider are:

how many years you want to repay the loan over;
the interest rate on the loan;
fees and penalties;
reputation of the lender.

What ratings do you have? Close

We've been independently rated 5 stars for our 'Unsecured Personal Loan' by:

Moneyfacts in 2021 and 2022
Defaqto in 2021 and 2022

Can you remove a party from a loan? Close

No. If either party wants to replace a joint loan with an individual loan, the joint loan will need to be repaid in full and a separate application made for an individual loan(s). Please note, there is no guarantee that either party's application for an individual loan will be successful, or that they will be offered an individual loan for the same amount, and/or at the same interest rate, as the joint 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:

What you can't use a NatWest loan for

How do I get additional support with my banking?

You can use the Banking My Way service to tell us about any additional support or adjustments you might need with your banking.

This information will be shared across the bank, meaning you won’t need to tell us about your requirements every time you interact with us.

As an existing customer, you’ll be able to provide this information online, over the phone, or by visiting a branch.

Learn more about Banking My Way

Our lending commitments to you

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?

Continue

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.

Yes

Are you applying on your own?

Yes, it's just me

No I want a joint loan

Great, let's get started

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 need your Online Banking details to log in

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand.

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.

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

Are you applying on your own?

Yes, it's just me

No, I want a joint loan

Fantastic, you're all set

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

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 need your Online Banking details to log in

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand.

Make your big dreams a reality with a premier loan

Representative 5.9% APR

Why get a premier loan with NatWest

Exclusive loan rates

Apply online in 10 minutes

Money in your account the same day

Borrowing terms

Loan amount

Terms

Get a free personalised quote

Loans over £50,000

How much you're able to borrow will depend on your individual circumstances.

Contact us in a way that suits you, at a time that suits you.

Premier loan FAQs

Let's get ready to apply

First, you can apply online if you:

Now please read a few other important things:

What you can't use a NatWest loan for

How do I get additional support with my banking?

Our lending commitments to you

How your information might be used

Ready to apply?

Great, let's get started

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

Let’s get you signed up for Online Banking

How to register for online banking

Fantastic, you're all set

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