Apply for loans from £1,000 - £50,000
Representative 3.4% APR
Taking out a personal loan
Get a decision within minutes when you apply online or via our app*
You'll be given a personalised rate depending on your circumstances and how much you want to borrow
You can repay your loan early. Repayment charges apply**
The money could be in your account the next working day if you use online banking, apply and are unconditionally accepted before 5.55pm Monday – Thursday.
To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.
*Mobile app available to Online Banking customers with a UK or international mobile number in specific countries.
**If you repay your existing loan early, you'll pay 58 days interest (or the remaining number of days interest if there are less than 58 days left in the loan term) to close the old loan early.
Start your application
Get a decision
Money in your account
Find out if you're likely to be approved
Don't worry, there's no impact on your credit rating.
If you meet our eligibility criteria, we'll show you how much you may be able to borrow, your personalised interest rate and monthly payments.
If you're approaching retirement, please call us or visit a branch rather than using this tool.
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.