Home Improvement Loans

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

Borrowing terms for a home improvement 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.

Home improvement 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.


Confused about APR?

What happens next?

Get started

Scroll down to 'Let's get ready to apply' or use our quick quote tool to see how likely you are to be accepted before applying.

Have a decision in minutes

In most cases you'll find out if you've been accepted in minutes.

Money in your account

You will receive your funds the next working day if you use Online Banking, apply and are unconditionally accepted before 5.55pm Mon-Thur.

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 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

Click each link and read before you apply:

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.

Let's start. Do you have a NatWest current account?

Are you applying on your own?

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

Okay, we'll take to you to our application form and you can choose how to receive your documents.

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

Are you a NatWest credit card or mortgage customer?

Do you have and remember your Online Banking details?

Fantastic, let's get started

Let's get started

Sorry, our personal loan is for customers who already have one of our current accounts, credit card or mortgages.

Want to look at our current account range?