Top up your loan

Top up your existing loan or take out a new one

Representative 3.4% APR

Borrowing summary

This is the period of time over which your loan agreement is in place. Our minimum and maximum terms for certain loan values are shown below.

How to borrow more

When you apply for a new loan, we'll ask if you want to keep or close your old loan during the application process, you have two options.

Option 1 - Replace your existing loan with a new loan for a larger amount

What happens

In the application apply for a total amount you require to pay off your existing loan plus any additional funds you require.

Your existing loan will be repaid and closed down and the remaining balance released to you; the total borrowing will now be at the new interest rate as your previous loan will have been repaid.

What to remember

When repaying your existing loan early, you'll pay 58 days interest (28 days if loan term 12 months or less). If the remaining term of the existing loan is less than 58 days (or 28 days) you will pay interest on the remaining number of days to close the loan early. Please remember, if you decide to borrow over a longer term, this may mean that you'll pay more interest overall. 

To find out your outstanding loan balance, current rate, and your Early Repayment Charge, please call us or visit your local branch. 

If you cancel your new loan in the 14 day cancellation period we are under no obligation to reinstate your old loan. However we could offer a new loan for the amount of the old loan at the current rates available. 

Option 2 - Open a new loan and run two side-by-side

What happens

In the application you apply only for the additional funds you require.

Your old loan will continue to be repaid at its current interest rate. So if its already a low rate of interest you might want to leave it open.

What to remember

Closing a loan early incurs early resettlement interest, you'll avoid this if you leave the loans open. 

Loan calculator

Is the loan for home improvements?

How much would you like to borrow?

Home improvement loans of £7,500 or more are available over an extended term of up to 10 years.
Borrowing amounts of £7,500 or more are available over an extended term of up to 8 years.

How long would you like to repay?

Representative Example




1 year and & 0 months

Monthly repayment


Total repayment





(Annual Percentage Rate)
Interest rate


% p.a.


What APR means

APR stands for annual percentage rate of charge. When you see a representative APR, it means that over half of people who’ve taken out a loan of a particular size from that lender have been given this rate.

All lenders advertise their loan rates in this way to help people compare across lenders.

A few things to note about representative APRs:

They include standard fees or costs associated with taking out a loan e.g. an arrangement fee.

They change depending on the loan amount.

Just because a lender has a low or high representative APR, it doesn’t mean they’ll offer you the best rate.

The rate you’re offered won’t necessarily be the same as the representative APR.

Most lenders, including us, will offer you a personalised rate. This is called a personalised APR.

APR stands for annual percentage rate of charge. A personal APR is a rate that has been worked out especially for you based on things like how much you want to borrow, your financial situation and your credit history. Your personal APR may be different to the representative APR we advertise, and different lenders may offer you different APRs.

If you already bank with us, you can find out your personal APR by using our Quick Quote tool. It’ll tell you how likely you are to be approved, give you a personalised rate and show you what your monthly repayments could be. And all without affecting your credit rating.

How to top up your loan

Start application

Use our Quick Quote tool to see how likely you are to be accepted for a new loan or go straight to 'Ready to apply'. Login to your online banking to pre-fill some details.

Fill in questions

Simply complete the application and choose your loan amount depending on which method you would like to borrow more.

What happens next?

If accepted, we'll either open a new loan for you, or repay and close your old loan. Your remaining balance and new funds will then be available for you.

Find out if you're likely to be approved

Don't worry, this won't impact your credit rating.

Quick Quote tells you how likely you are to be approved for a loan, how much you may be able to borrow, gives you your personalised interest and monthly repayments. 

Ready to apply?

Great. Let's get started. Are you a...

To apply for a loan, you must:

Be at least 18 years old

Be a UK resident

Not have been declared bankrupt in the last 6 years

Not have applied for a personal loan with us within the last 28 days

Intend to use your loan for acceptable purposes

You can't take out a loan for:

Buying or putting down a deposit on a property or land

Household bills, rent or mortgage payments

Car tax

Business purposes

Payments in arrears

Tax avoidance arrangements 

Court or solicitors' fees


Buying shares or other investment funds

Important information

We want you to be sure this loan is right for you. So before you carry on, please take a look at our lending commitments. They explain what you can expect from us and what we ask of 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. 

Are you ready to carry on?

What you'll need

Details of your address history from the past 3 years

Details of your monthly income and expenditure 

If we need some more information once you finish the application, we'll send you an invite where we may need the following:

Proof of ID (passport / drivers licence)

Proof of income 

Do you use online banking?

So we can save you time by pre-filling in parts of your application, please log in to your account.

Let's get started.

Our personal loan is only available to people who have a NatWest current account.

Useful info

If your application has been unconditionally accepted, you'll receive written confirmation of your loan account details in the next few days. We will text you within the next two working days when the money is available in your chosen account.

If we require more information from you to process your application, we'll be in touch within 5 working days detailing your next steps, which can be completed using the options below. Your loan funds will normally be available within 48 hours of us receiving your completed application, provided you meet all of our credit requirements.


If you've opted in to paperless in your application, you may recieve an e-mail or text message inviting you to complete your application via DigiDocs (our secure online portal). Follow the instructions provided in the invite. 

In branch

If you have recieved a pack in the post, you can simply visit your local branch where your documents will be validated and your application completed. If you require your loan funds urgently we recommend you complete your application this way.

By post

If you have recieved a pack in the post, you can return your documents along with your signed application form using the freepost envelope in your application pack. Your documents will need to be certified first.

If you wish to speak to someone about your online loan application, please call us on the following number:

Call: 0345 303 0299 Minicom: 0800 404 6161

Monday to Friday 8am to 8pm, Saturday 9am to 6pm (excluding public holidays). Calls may be recorded.

Having a good credit history, paying bills on time, not missing payments and not applying for credit regularly will all help give you a good score. 

You can manage your bank account in a way which will help to improve your credit score. This means that further down the line you may then be able to successfully take out the product you originally applied for. 

Each lender has it's own system, but generally these things can improve your score: 

Being in the same job for a long time 

Owning your home 

Having lived at the same address for a while (more than a year)

Keeping your address records current 

Being on the electoral roll 

Cancelling unused credit and store cards 

Reducing your debts with savings 

Paying for insurance up front rather than monthly 

If you work as a contractor, are a sole trader, work under a partnership, are a director/owner of a limited company or are a member of a limited liability partnership you are still able to apply for a loan providing you meet our eiligibility criteria. You must be an existing NatWest current account customer and have held your account for a minimum of 3 months. You must be over 18 years old and reside in the UK.

We will need to ensure that you are able to afford the monthly loan repayments. To do this we will need to see evidence of your income and review the on-going performance of your business.

To do this you will need to provide the below: 

Your last 2 years finalised accounts

Where the latest accounts are more than 12 months old, then confirmation of performance, in the intervening period should be obtained from an independent source e.g. accountant, auditor. 

If you own more than one business please provide the accounts for all of these. 

If accounts are not available, please provide the last 2 years Self-employment SA302 Tax Returns

In some circumstances we may require additional information. 

If you are a contractor, you will also need to provide:

Evidence of a history of employment over the past year 

Evidence that a contract for further work is in place

When you complete your loan application form, the income figure you provide must match that on your Tax Return Form, SA302 or detailed in your finalised accounts. If you haven't received a paper copy of your SA302 from HMRC it can be printed online. 

Don't guess, let us help

Use our Borrowing Options tool to see what type of borrowing will suit you best.