Privacy Notice:
We use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device.
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.
Borrowing terms
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.
Ready to apply?
Great, let's get started. Are you a...
Please check and confirm
- I am looking to refinance an existing NatWest loan
- I am applying for a joint loan
Do any of the criteria above apply to you?
To apply for a loan, you must:
- Be at least 18 years old
- Be a UK resident
- Be a NatWest current account customer for at least 3 months
- Not have been declared bankrupt in the last 6 years
- Not have applied for a personal loan with us within the last 28 days
You can't take out a loan for:
Buying or putting down a deposit on a property, static caravan or land
Household bills, rent or mortgage payments
Car tax
Business purposes
Payments in arrears
Tax avoidance arrangements
Court or solicitors' fees
Gambling
Buying shares or other investment funds
How your information might be used
It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
Important information
Are you ready to carry on?
Do you have and remember your Online Banking details?
By completing your application online, you agree that we may deliver your loan confirmation letter to you by sending it as a PDF to your Online Banking Mailbox. We may also send you copies of your pre contractual information and copy agreement to your Online Banking Mailbox.
Fantastic. Let's get started
We'll take you to our new application platform, where you can get a quote and then choose if you'd like to proceed with an application.
If you do choose to proceed with an application after getting your quote, you will be credit scored.
Let's get started
To apply for a loan, you must:
- Be at least 18 years old
- Be a UK resident
- Be a NatWest current account customer for at least 3 months
- Not have been declared bankrupt in the last 6 years
- Not have applied for a personal loan with us within the last 28 days
You can't take out a loan for:
Buying or putting down a deposit on a property, static caravan or land
Household bills, rent or mortgage payments
Car tax, Business purposes, Payments in arrears
Tax avoidance arrangements
Court or solicitors' fees
Gambling
Buying shares or other investment funds
How your information might be used
It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
Important information
Are you ready to carry on?
Do you have and remember your online banking credentials?
So we can save you time by pre-filling in parts of your application, please log in to your account.
Let's get started
To apply for a loan, you must:
- Be at least 18 years old
- Be a UK resident
- Be a NatWest credit card or mortgage customer for at least 6 months
- Not have been declared bankrupt in the last 6 years
- Not have applied for a personal loan with us within the last 28 days
You can't take out a loan for:
Buying or putting down a deposit on a property, static caravan or land
Household bills, rent or mortgage payments
Car tax, Business purposes, Payments in arrears
Tax avoidance arrangements
Court or solicitors' fees
Gambling
Buying shares or other investment funds
How your information might be used
It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
Important information
Are you ready to carry on?
Do you have and remember your online banking details?
So we can save you time by pre-filling in parts of your application, please log in to your account.
