Take on life together with a joint personal loan
Representative 3.9% APR
About joint loans
Whether you’re working on a big dream or a little emergency, a joint personal loan is a great option if you’re looking to borrow money with a partner, family member or friend.
If approved, you could use a joint loan to:
To apply online, the main applicant for the joint loan must be 18+ and a UK resident with a NatWest current account (held for 3+ months). The other applicant must be 18+ and a UK resident, but doesn’t have to be an existing NatWest customer.
Can I pay off my loan early?
You can repay your loan early. It's important to remember that you will pay an early repayment fee of 58 days interest (or the remaining number of days interest if there are less than 58 days left in the loan term) to close your loan early. Find out more about early repayment charges.
Joint loan calculator
1 year and & 0 months
Joint debt consolidation
Ready to get your ducks in a row? You can use a joint loan to combine both your debts and pay them off together.
If you or the person you’re applying with has other forms of debt such as a credit card, overdraft or loan, you can use a joint consolidation loan to put everything in one place and tackle the repayments as a team.
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