Top up your loan

Top up your existing loan or take out a new one

Representative 3.4% APR

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.

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. 

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

Borrowing

£7,500

Over

1 year and & 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)

What APR means

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. 

Useful info

Don't guess, let us help

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

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

Be a NatWest current account customer for at least 3 months

Not have been declared bankrupt in the last 6 years

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

You can't take out a loan for:

Buying or putting down a deposit on a property, static caravan or land

Household bills, rent or mortgage payments

Car tax

Business purposes

Payments in arrears

Tax avoidance arrangements 

Court or solicitors' fees

Gambling

Buying shares or other investment funds

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. 

We will do a full credit check during this application, which can affect your credit score. 

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.

Are you ready to carry on?

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

To apply for a loan, you must:

Be at least 18 years old

Be a UK resident

Be a NatWest credit card or mortgage customer for at least 6 months

Not have been declared bankrupt in the last 6 years

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

You can't take out a loan for:

Buying or putting down a deposit on a property, static caravan or land

Household bills, rent or mortgage payments

Car tax

Business purposes

Payments in arrears

Tax avoidance arrangements 

Court or solicitors' fees

Gambling

Buying shares or other investment funds

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.

We will do a full credit check during this application, which can affect your credit score. 

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.

Are you ready to carry on?

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