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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 length of time over which your personal loan agreement is in place. Our minimum and maximum terms for certain loan amounts 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. 

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

Now please read a few other important things:

Ready to apply?

Do you have NatWest online banking?
If you know your online banking details we can pre-fill some of your info - making the application process faster and giving you more time to put your feet up.
Do you have a NatWest current account?
Are you applying on your own?

Great, let's get started!

Just a heads up - you'll need your Online Banking login details at the next step.

Great, log in to get started!

Just a heads up – you’ll need your online banking log in details at the next step.

Fantastic, let's get started!

Let’s get you signed up for Online Banking

You’ll need to sign up for online banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

 

Once you’ve registered, select ‘next’ to log in and apply for a loan.

Do you have a NatWest current account?
Are you applying on your own?

Fantastic, you're all set!

Just a heads up – you’ll need your online banking log in details at the next step.

Fantastic, you're all set!

Just a heads up – you’ll need your online banking log in details at the next step.

Fantastic, you're all set!

Just a heads up – you’ll need your online banking log in details at the next step.