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Premier Banking

Bring your ambitions to life with a NatWest loan

Representative 3.9% APR

Taking your next step with a NatWest loan

Whether it's time to upgrade your car, remodel the kitchen or travel somewhere new - whatever life has on the cards, a NatWest loan could help get you there. 

See your personalised rate without affecting your credit score

If you have a NatWest current account and you're applying for a loan in your name only, 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.

Apply online in minutes

It can take around 10 minutes to apply online when you use Online Banking, and we'll pre-fill some of your information to make your application faster.

Money in your account

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.

Loan benefits for Premier customers

Exclusive loan rates

If you are a Premier customer, we may be able to offer you a preferential rate on your loan. 

How do I see my personalised rate?

  • If you're applying for a loan in your name only, you can see your personalised rate at the start of your online application or,
  • You can contact your Premier Banking Manager to discuss your loan options

Loans over £50,000

We offer loans over £50,000 exclusively to our Premier customers. 

How do I apply for a loan over £50,000?

  • Please contact your Premier Banking Manager if you would like to discuss how to apply for a loan over £50,000 


How much you're able to borrow will depend on your individual circumstances.

Borrowing terms

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

Let's get ready to apply

Before you apply online, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a UK resident with a NatWest current account (held for 3+ 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

Now please read a few other important things:

Ready to apply?

Remember, to apply for a loan over £50,000 please contact your Premier Banking Manager.

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

Just a heads up - you'll need your Online Banking details at the next step.

Great, let's get started

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

  • to apply for a joint loan both applicants must:
    - have a NatWest current account (held for 3+ months)
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years
    - share a joint NatWest savings, current account or mortgage
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy

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?

Great, let's get started

Just a heads up – you’ll need your online banking log in details at the next step.

Great, let's get started

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

  • to apply for a joint loan both applicants must:
    - have a NatWest current account (held for 3+ months)
    - be 18+ and a UK resident
    - have not applied for a loan in the last 28 days or been declared bankrupt in the last 6 years
    - share a joint NatWest savings, current account or mortgage
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Online Banking log in details handy