Overlay
New car? Used car? Make it your car with a car loan from us.
Representative 6.6% 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, loan amount and term and may differ from the Representative APR.
To apply for a loan online, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months).
Apply in minutes
It takes minutes to apply online. It's also easy, as we fill out your info where we can.
Fixed-rate loans
Your interest rate is fixed, so you'll usually pay back the same amount each month.* Simple.
For new and used cars
Pay upfront for your new (or pre-loved) wheels, then spread the cost up to 8 years - it depends on how much you're borrowing.
*You'll pay the same each month as long as you pay the full amount each month, on time (otherwise you might have fees on top). What's more, the final monthly payment may be slightly higher or lower than the rest.
You could get your money today
Your money could be in your account the same day if you apply online, are unconditionally accepted and sign your loan documents before 5:45pm Monday to Friday, excluding bank holidays (it may take longer if we need more info).
How long could you borrow for?
You could pay back your loan over 1 to 8 years - it depends how much you're borrowing.
Understanding APR
If you're feeling a bit confused about APR, take a couple of minutes to read our quick guide.
Car loan calculator
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, loan amount and term 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.
Is it time to go electric?
Our electric car guide reveals:
- 13 ways an electric car could save you money.
- Most popular questions about electric cars.
- The electric vehicle that might suit you best.
Want tips that could help you save money and the planet?
Think about all the costs involved with your car
It’s easy to focus on the car price, but you might also want to set aside some of your loan to get your car ready for the road. Keep in mind:
- The costs of any repairs that might be needed
- The car running costs such as breakdown cover or MOT.
- The costs of paperwork like car insurance or registration.
Information Message
Take a break with a 3-month loan repayment holiday
- At the start of your application, we'll give you a quote. This might include the option to take a repayment holiday.
- You could then choose to delay your first payment by 3 months.
- You'll need to say if you want to take a repayment holiday before you start your loan.
Pay us back early, if you want
You can pay us back early, but you'll need to pay a fee.
Information Message
Use our quick and simple app
Pay your loan off, overpay and more. Our app is quick, easy and secure. See who can use our app.
Information Message
Change your payment date
Want to change your payment date? Just call us. See how to change your loan Direct Debit date.
Information Message
Calling us to change your Direct Debit? We’ll update your Direct Debit immediately, unless you call us within three working days of your next payment plan. You might need to make two payments in the same month – our lending team will try and help you avoid this. We may record your call to help train our staff and improve our customer service.