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Personal loans

Apply for a personal loan with our 5 star rated service

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the representative APR.

Get a personalised quote

At the start of your application we'll let you know if you're likely to be approved with no impact on your credit score.

We'll also show you how much you could borrow, your personalised interest rate and monthly payments.

Loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

You want to repay it over

20 Months

Representative Example:

Borrowing

£7,500

Over

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)

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

Can I pay off my loan early?

Borrow from £1k to £50k

£1,000 - £7,450 repay over 1 -5 years. £7,500 - £50,000 repay over 1-8 years. Home improvement loans of £7,500 or more can be repaid over 1-10 years.

Will it take ages to apply?

Around 10 minutes - we'll ask you to log in to Online Banking, which means we can pre-fill all the stuff we already know and save you time

When will the money arrive?

You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri (excludes Bank Holidays).

Sometimes we need to contact you for more information, so it can take a little longer.

How do I manage my loan?

You can manage your loan through Online Banking or in our Mobile App once accepted. Eligibility criteria applies.

Are you ready to apply?

We'll start with your free quote

At the start of your application, we’ll usually let you know if you could get a loan – and your personalised rate – without affecting your credit score. It’s then up to you if you want to go ahead.

To apply online, you'll need to:

  • be 18+, a UK resident and have had a current account with us for at least three months.
  • not have been declared bankrupt in the last six years.
  • not have applied for a loan with us in the last 28 days.

Sounds good so far? Just a bit more info to get through:

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.
Are you applying on your own?

Great, let's get started

You're about to start your application so just a heads up:

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a NatWest current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days
  • You'll need your Online Banking details to log in

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

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.

Are you applying on your own?

Fantastic, you're all set!

Just a heads up - You will need your online banking details to log in and apply.

You're about to start your application so just a heads up:

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a NatWest current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days
  • You'll need your Online Banking details to log in

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

Something else we can help you with?

National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 250 Bishopsgate, London EC2M 4AA. Financial Services Firm Reference Number 121878.