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Personal loans

Get a personalised quote with no impact on your credit score

If you have a NatWest current account, in most cases we’ll confirm the loan amount and your rate at the start of your application with no impact on your credit score. Nice and handy.

Complete your application in minutes

It takes around 10 minutes to apply, and we’ll pre-fill parts of your application to make things easier.

Get your money quickly

You could get your money the same day if your application is unconditionally accepted before 5.45pm Mon - Fri.


Sometimes we might need to contact you for more information, so it can take a little longer. We will send you an email or a text to confirm your loan is in your account.

Representative Example

Borrowing £7,500.00 over 5 years at Representative 3.4% APR and Interest rate 3.40% p.a. (Fixed) will cost £135.92 per month, with a total amount payable of £8,155.20.

Loan amount

£1,000 - £2,950
£3,000 - £4,950
£5,000 - £7,450
£7,500 - £20,000
£20,050 - £25,000
£25,050 - £35,000
£35,050 - £50,000

Representative APR

Representative 24.9% APR
Representative 19.9% APR
Representative 7.9% APR
Representative 3.4% APR
Representative 3.9% APR
Representative 6.2% APR
Representative 6.9% APR

Other amounts are available at alternative rates. Our rates depend on your circumstances & loan amount & may differ from the Representative APR.


Read this about early repayment charges

If you want to repay your existing loan early, you'll pay up to 58 days interest to close the old loan early (or the remaining number of days interest if there are less than 58 days left in the loan term). This is in addition to your outstanding loan amount and any outstanding interest.


For example, if you borrowed £20,000 over 5 years at 3.9% APR and repaid your loan halfway through the term, the early repayment charge would be £61.77.

There're a few things a loan can't be used for:

- Property purchase
- Deposit for property purchase
- Buying or putting down a deposit on a static caravan
- Purchase of land
- Any business purpose
- Any payment in arrears
- Any tax avoidance arrangements
- Court or solicitors fees
- Gambling
- Household bills/rent/mortgage payment
- Purchase of shares/investment funds
- Car tax

You can apply for a personal loan if:

  • are 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.
  • have not been declared bankrupt in the last 6 years
  • have not completed a personal loan application with us within the last 28 days