Car Loans

Hit the road with a car loan

Representative 3.4% APR

Taking out a car loan

Get a decision in minutes when you apply online or via our app*

We'll take your circumstances and loan amount in to account to offer a personalised car loan rate

You can repay your loan early. Repayment charges apply**

You could have the funds the next working day if you use online banking, apply and are unconditionally accepted before 5.55pm Monday - Thursday

Borrowing terms for a car loan

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.

Car 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.


Next steps

Start your application

Go to ‘Ready to apply’ or double check how likely you're to be accepted beforehand, using our quick quote tool.

Get a decision

The process is usually very quick and you're likely to know the outcome within minutes.

Money in your account

The funds will be transferred into your account the next working day as long as you use Online Banking, apply and are unconditionally accepted before 5.55pm Mon-Thur.

Don't gamble with your credit rating

Use our Quick Quote tool to check your chances of being approved. There's no impact on your credit rating.

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

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

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


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. 

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.

All okay? Let's get started. Are you a...

Please check and confirm

  • I am looking to refinance an existing NatWest loan
  • I am applying for a joint loan

Do any of the criteria above apply to you

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

Online Banking Mailbox

We're sorry but you can't proceed with your application without confirming you are happy for us to send your important loan documents to your Online Banking mailbox.

The Online Banking Mailbox is available to all customers with an Online Banking account. It enables you to securely receive and access important mail we've sent you in electronic format. You can view, download or print PDF copies of your mail at your convenience.

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

Do you have and remember your Online Banking details?

Great, log in to your account to get started.

Let's get started

Other ways we can help

Looking for a different way to finance your next car?

Take a look at Personal Contract Hire (PCH) and Personal Contract Purchase (PCP) finance options which are available on new and used cars.

Eligibility criteria applies. NatWest will receive a payment if you proceed with a finance agreement. For PCP NatWest (credit broker) is introducing customers to ALD Automotive Ltd (lender). For PCH NatWest is introducing customers to ALD Automotive Ltd.

Don't guess, let us help

Depending on what you need money for, a credit card or overdraft might be a better option than a loan. Our Borrowing Options tool will help you figure out what type of lending will suit you best.