Plan the perfect day
Representative 3.4% APR
Taking out a personal loan
You can apply online or via our app and get a decision in minutes*
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**
You could have the funds 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
What APR means
APR stands for annual percentage rate of charge. When you see a representative APR, it means that over half of people who’ve taken out a loan of a particular size from that lender have been given this rate.
All lenders advertise their loan rates in this way to help people compare across lenders.
A few things to note about representative APRs:
They include standard fees or costs associated with taking out a loan e.g. an arrangement fee.
They change depending on the loan amount.
Just because a lender has a low or high representative APR, it doesn’t mean they’ll offer you the best rate.
The rate you’re offered won’t necessarily be the same as the representative APR.
Most lenders, including us, will offer you a personalised rate. This is called a personalised APR.
APR stands for annual percentage rate of charge. A personal APR is a rate that has been worked out especially for you based on things like how much you want to borrow, your financial situation and your credit history. Your personal APR may be different to the representative APR we advertise, and different lenders may offer you different APRs.
If you already bank with us, you can find out your personal APR by using our Quick Quote tool. It’ll tell you how likely you are to be approved, give you a personalised rate and show you what your monthly repayments could be. And all without affecting your credit rating.
Money in your account
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.
Ready to apply?
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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 loan. Our Borrowing Options tool will help you figure out what type of lending will suit you best.