Buying a car

Get the car you want, quicker

Representative 3.4% APR

Taking out a personal loan

You can apply online or via our app and get a decision in minutes

You'll be given a personalised rate depending on your circumstances and how much you want to borrow

When repaying your existing loan early, you'll pay 58 days interest. If the remaining term of the existing loan is less than 58 days you will pay interest on the remaining number of days to close the loan early

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

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.

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.

Next steps

Start your application

Use our Quick Quote tool to see how likely you are to be accepted for a loan or go straight to 'Ready to apply'.

Get a decision

In most cases you'll know in a matter of minutes if you've been accepted.

Money in your account

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

Find out if you're likely to be approved

Don't worry, 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. 

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 

What to remember

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

Which NatWest product do you have?

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.

Let's get started.

Our personal loan is only available to people who have a NatWest current account, credit card or mortgage.

Other ways we can help

Looking for a different way to finance your next car?

Your next car could be found, financed and delivered - all online with NatWest Flex Car Finance at a rate of Representative 5.9% APR (fixed).

Eligibility criteria applies. NatWest is acting as a credit broker and is introducing customers to ALD Automotive Ltd. NatWest will receive a payment from ALD (the lender), if you proceed with a Flex Car Finance agreement.

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.