Personal Loans

Apply for a personal loan from £1,000 - £50,000

Representative 3.4% APR

Taking out a personal loan with NatWest

If you are thinking about changing your car, tidying up your finances or making some improvements to your home, a loan from us could be the helping hand you need.

Get a quote and keep your credit score safe

If you have a NatWest current account, in most cases we’ll confirm the loan amount and your rate at the start of your application with no impact on your credit score. Nice and handy.

Apply in a flash

It takes around 10 minutes to apply and if you use Online Banking we'll pre-fill parts of your application to make things easier.

Money in your account

You could get your loan on the same day if you use Online Banking, apply and are unconditionally accepted before 5.45pm Mon – Fri. Sometimes we need to contact you for more information, so it can take a little longer.

Borrowing terms

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

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.

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




1 year and & 0 months

Monthly repayment


Total repayment





(Annual Percentage Rate)
Interest rate


% p.a.


You can find out if you're likely to be approved

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

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 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

Click each link and read before you apply:

Important legal info

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.

Let's start. Do you have a NatWest current account?

Are you applying on your own?

Do you have and remember your Online Banking details?

By completing your application online, you agree to get your loan documents digitally. Your Standard European Consumer Credit Information (SECCI) will be emailed to the email address we hold for you. We’ll send all of your documents as pdfs. Your loan pack containing your loan agreement, confirmation letter, SECCI and your loan explained document will be sent to your Online Banking Mailbox. We’ll email you when we do this to let you know.

Fantastic, let's get started

Okay, we'll take to you to our application form and you can choose how to receive your documents.

Let's get started

Do you have and remember your Online Banking details?

Great, log in to your account to get started.

Let's get started

Are you a NatWest credit card or mortgage customer?

Do you have and remember your Online Banking details?

Fantastic, let's get started

Let's get started

Sorry, our personal loan is for customers who already have one of our current accounts, credit card or mortgages.

Want to look at our current account range?