Life Moments

Buying a car

Car buying guide

Buying a new car? We'll steer you in the right direction.

Car-buying hints and tips

The first thing you need to do is get your finances in order. Work out a budget and stick to it. Then decide how you're going to pay for your new car.

If you're buying a used car remember to:

  • Keep on top of used car market prices 
  • Inspect the car carefully and take a test drive 
  • Bring a friend who knows a bit about cars
  • Negotiate the best deal and get it in writing
  • Transfer the money online or via banker's draft to the seller 

Check out more car buying tips from the professionals at The Car Expert

Is a personal loan right for me?

To apply, you must be 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

Purchasing the car

With a personal loan, the funds will be paid straight to your bank account, you will then be able to purchase the car of your choice from the dealer or seller of your choice.


The car will be yours as soon as you purchase it, so there are no mileage restrictions or fees for damage above fair wear and tear to worry about. 

Bear in mind

As you will own the car outright, you’re fully responsible for upkeep, MOT, Road Tax, and car insurance. You will also pay back the full amount that you borrow.

Personal loans from NatWest

Need a little help to get you into the driving seat?

Apply online or via our app and get a decision in minutes, along with a personalised rate depending on your circumstances and how much you want to borrow.

You could borrow between £7,500 and £19,950 at our rate of Representative 3.4% APR.

Find out if you'll be approved

If you're thinking about taking out a loan to buy your next car, use our quick quote tool to see how likely you are to be approved without affecting your credit rating. 

We'll show you how you may be able to borrow, your personalised interest rate and monthly payments.

Saving for a new car?

Save towards your dream car with us. We've got a range of different savings accounts that you could choose from to suit your needs. Choose from flexible to fixed term savings accounts.

Is there something else you're looking for?