Top up your loan

Additional borrowing on your NatWest loan

Representative 3.4% APR

How to refinance a personal loan or borrow more

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

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

How does this work?

When you are applying, you need to apply for the total amount you need to pay off your existing loan, as well as the extra amount you want to borrow. 

If you're accepted, your old loan will be repaid and closed and the remaining balance will be placed in your account. You'll pay the total amount back at a new interest rate as your previous loan is paid off.

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. 

If you need to find out your outstanding loan balance, current interest rate or your Early Repayment Charge, 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

How does this work?

You only have to apply for a loan to cover 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. 

Top up loan 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.

Top up 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

Steps to borrowing more

Start your application

Use our mobile app or apply for a top up loan online. In most cases you'll know in a matter of minutes if you've been accepted.

Get your personalised rate

We'll offer you a personalised rate based on the amount you want to borrow and your personal circumstances.

Money in your account

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. 

Useful info

Don't guess, let us help

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

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First things first. You can apply if you:

  • 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 applied for a personal loan with us within the last 28 days

Click each link and read before you apply:

Important legal info

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.

Let's start. Do you have a NatWest current account?

Are you applying on your own?

Do you have and remember your Online Banking details?

By completing your application online, you agree that we may deliver your loan confirmation letter to you by sending it as a PDF to your Online Banking Mailbox. We may also send you copies of your pre contractual information and copy agreement to your Online Banking Mailbox.

Fantastic, let's get started

Okay, we'll take to you to our application form and you can choose how to receive your documents.

Let's get started

Do you have and remember your Online Banking details?

Great, log in to your account to get started.

Let's get started

Are you a NatWest credit card or mortgage customer?

Do you have and remember your Online Banking details?

Fantastic, let's get started

Let's get started

Sorry, our personal loan is for customers who already have one of our current accounts, credit card or mortgages.

Want to look at our current account range?