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Joint Loans

Take on life together with a joint personal loan

Representative 3.4% APR

Taking out a joint loan

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.

Things to keep in mind about joint loans

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.

Applying for a joint loan

Start your application

Use our mobile app or apply for joint loans online. In most cases you'll know in a matter of minutes if you've been accepted.

Get your personalised rate

We'll offer you a personalised rate based on the amount you want to borrow and your personal circumstances.

Money in your account

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

Borrowing terms

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

Joint 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

Borrowing

£7,500

Over

1 year and & 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)

Find out if you're likely to be approved

Don't worry, there's no impact on your credit score.

We'll show you how much you may be able to borrow, your personalised interest rate and monthly payments. 

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 personal loan.

Our Borrowing Options tool will help you figure out what type of lending will suit you best. 

Ready to apply?

Great, let's get started. Are you a...

Please check and confirm

  • I am looking to refinance an existing NatWest loan
  • I am applying for a joint loan

Do any of the criteria above apply to you?

To apply for a loan, you must:

  • Be at least 18 years old
  • Be a UK resident
  • Be a NatWest current account customer for at least 3 months
  • Not have been declared bankrupt in the last 6 years
  • Not have applied for a personal loan with us within the last 28 days

You can't take out a loan for:

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

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. 

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.

Are you ready to carry on?

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

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.

Online Banking Mailbox

We're sorry but you can't proceed with your application without confirming you are happy for us to send your important loan documents to your Online Banking mailbox.

The Online Banking Mailbox is available to all customers with an Online Banking account. It enables you to securely receive and access important mail we've sent you in electronic format. You can view, download or print PDF copies of your mail at your convenience.

Let's get started

To apply for a loan, you must:

  • Be at least 18 years old
  • Be a UK resident
  • Be a NatWest current account customer for at least 3 months
  • Not have been declared bankrupt in the last 6 years
  • Not have applied for a personal loan with us within the last 28 days

You can't take out a loan for:

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

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. 

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.

Are you ready to carry on?

Do you have and remember your online banking credentials?

So we can save you time by pre-filling in parts of your application, please log in to your account.

Let's get started

To apply for a loan, you must:

  • Be at least 18 years old
  • Be a UK resident
  • Be a NatWest credit card or mortgage customer for at least 6 months
  • Not have been declared bankrupt in the last 6 years
  • Not have applied for a personal loan with us within the last 28 days

You can't take out a loan for:

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

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. 

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.

Are you ready to carry on?

Do you have and remember your online banking details?

So we can save you time by pre-filling in parts of your application, please log in to your account.

Let's get started