Revamp your space with a NatWest loan
Representative 3.4% APR
Taking out a home improvement loan
Get a decision in minutes when you apply online or via our app*
You'll get a personalised rate depending on your circumstances and how much you want to borrow
You have the flexibility to repay your loan early. Repayment charges apply**
You could get your funds the next working day if you use online banking, apply and are unconditionally accepted before 5.55pm Monday - Thursday
To apply, you must be 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.
*Mobile app available to Online Banking customers with a UK or international mobile number in specific countries.
**If you repay your existing loan early, you'll pay 58 days interest (or the remaining number of days interest if there are less than 58 days left in the loan term) to close the old loan early.
Borrowing terms for a home improvement loan
Home improvement loan calculator
1 year and & 0 months
What happens next?
Have a decision in minutes
Money in your account
Check if you're likely to be approved
Before you get started our quick quote tool will show you how much you may be able to borrow, your personalised interest rate and monthly payments.
Great news, there's no impact on your credit rating!
Don't guess, let us help
There are lots of different types of borrowing and depending on your needs, a credit card or overdraft could be a better option than a loan.
You can use our Borrowing Options tool to help you figure out what type of lending 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, you can apply online 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)
- have not been declared bankrupt in the last 6 years
- have not applied for a personal loan with us within the last 28 days