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Holiday Loans

Plan your trip with a NatWest holiday loan

Representative 3.4% APR

This rate is available on loans between £7,500 and £19,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
On this page
About holiday loans
Borrowing terms
Holiday loan calculator
Benefits of our loans
Get a personalised quote
Apply for a holiday loan

Taking out a holiday loan

Planning a trip away? You could make your dream getaway a reality with a NatWest holiday loan

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri. Sometimes we need to contact you for more information, so it can take a little longer

If you're thinking about using a loan to fund your holiday, make sure you've considered all your borrowing options

To apply for a loan online, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months).

Holiday loan borrowing terms

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

Loan amount

£1,000 - £7,450
£7,500 - £50,000

Repay over

2 to 5 years
2 to 8 years

Holiday loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

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)
Apply for a holiday loan

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

Take a break, with a loan repayment holiday

When you apply for a loan, based on your circumstances, we might give you the option to defer your first repayment. 

  • It's only available at the start of your loan term
  • You can defer your first loan repayment for a three month period
  • If this option is available, we'll show the details of your repayment holiday at the quote stage of your application

Learn more about our holiday loans

Benefits

Get a quote with no impact on your credit score

If you have a NatWest current account, in most cases we'll confirm the loan amount and your rate at the start of your application with no impact on your credit score. Nice and handy.

Money in your account

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri (excludes Bank Holidays). Sometimes we need to contact you for more information, so it can take a little longer.

You can choose to repay your loan early

If things change and you find you have a bit more money, you might decide to repay your loan early. It's important to remember that you will pay an early repayment fee.

Features

Borrow between £1,000 - £50,000

NatWest loans can be taken out over 2-8 years. If you decide to apply for a home improvement loan, these can be taken out over 2-10 years. See our borrowing terms for more detail.

Loans for many uses

We offer personal loans of £1,000 - £50,000 but it’s up to you what you’d like to spend it on. These are some things you could use a loan for...

Mobile App

Manage your loan in the mobile app

Check your credit score in the mobile app

Other ways we can help

Check if you're likely to be approved

Find out if you're likely to be approved for a loan at the start of your application. If you have a NatWest current account, in most cases we'll confirm the loan amount and your rate with no impact on your credit score.
Get a quote & apply

Find out if a holiday loan is right for you

There are lots of choices when it comes to borrowing money. You can take a look at our borrowing options guide to help you figure out what type of lending will best suit your needs.
Compare your borrowing options

Let's get ready to apply

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

First, you can apply online if you:

  • are 18+ and a UK resident with a NatWest current account (held for 3+ months).
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

Ready to apply?

Let's start
Do you have NatWest online banking?
If you know your online banking details we can pre-fill some of your info - making the application process faster.
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Next
Are you applying on your own?
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Next

Great, let's get started

Just a heads up - you'll need your Online Banking login details at the next step.

Previous

Great, let's get started!

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years                                                                          and either:                                                                                                             -  both hold a sole NatWest current account (held for 3+ months)        

            or                                                                                                                                         - share a joint NatWest  current account (held for 3+ months)

  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy
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Let’s get you signed up for Online Banking

You’ll need to sign up for online banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

 

Once you’ve registered, select ‘next’ to log in and apply for a loan.

Previous
Next
Are you applying on your own?
Previous
Next

Fantastic, you're all set!

Just a heads up – you’ll need your online banking log in details at the next step.

Previous

Great, let's get started!

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years                                                                          and either:                                                                                                             -  both hold a sole NatWest current account (held for 3+ months)        

            or                                                                                                                                         - share a joint NatWest  current account (held for 3+ months)

  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy
Previous

Something else we can help you with?