Privacy Notice:
We use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device.
Joint personal loans mean you and a loved one, family member or friend can borrow money together. If approved, you can use the money for a special event, big project or a shared passion and chip away at the loan as a team.
You could use a joint loan to:
Taking out a loan with a partner could help in paying off your shared debts. You can pay off your credit cards and other personal loans by making one payment each month.*
Find out more about our debt consolidation loans here.
To apply, the main applicant for the joint account 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. The other applicant on the joint loan application must be 18+ and a UK resident, but does not have to be an existing NatWest customer.
If you choose to repay your 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.
* Taking on any new debt is a big decision; extending the term of your debt can incur more interest and cost more in the long run and sometimes an early repayment charge may apply.
If your partner defaults on a payment or the entire loan, you will still be responsible for the full amount.
If you're approved for a joint loan, your credit files will be linked and parties may take both scores into account before approving future requests for credit.
Mobile app available to customers with Online Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.
We'll show you how much you may be able to borrow, your personalised interest rate and monthly payments.
Our Borrowing Options tool will help you figure out what type of lending will suit you best.
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
Gambling
Buying shares or other investment funds
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.
We'll take you to our new application platform, where you can get a quote and then choose if you'd like to proceed with an application.
If you do choose to proceed with an application after getting your quote, you will be credit scored.
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
Gambling
Buying shares or other investment funds
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.
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
Gambling
Buying shares or other investment funds
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.
