Apply for a personal loan

You need:

• your addresses for the last three years.

• your income, spending and employment info. 

You could get your money the same day if:

• you apply online. 

• you've been accepted.  

• you sign your documents by 5.45pm Monday to Friday (excluding bank holidays).

It might take a bit longer if we need to get in touch with you for more info.

Yes and it's very simple. All you need to do is:

1. Log in to your NatWest mobile app. 
2. Tap 'Apply' in the bottom right hand corner.
3. And go to 'Loans'.

Follow the information on the page and we will guide you to complete your loan application.

Our mobile app is available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.

We’re responsible lenders who care about doing the right thing by you. This includes keeping you and your money safe and making sure you only borrow what  you can afford to pay back.

So, you can’t use your loan for some things, including: 

• buying property, a static caravan, or land.

• a deposit for property, a static caravan, or land. 

• household bills, rent or mortgage payments.

• car tax.

• Business. 

• late payments. 

• tax avoidance schemes. 

• court or solicitors’ fees.

• gambling.
• buying shares and other investment funds.
  

It’s important to remember that if you repay your loan early, you will be charged an early repayment fee. The amount you will be charged will be equal to 58 days’ interest on the amount you repay early (28 days’ interest if the period of the loan is one year or less). If there is less than 58 days (or 28 days if applicable) remaining on the loan, the calculation will be based on the actual number of days remaining. This is in addition to your outstanding loan amount and any outstanding interest.

As well as loans, we offer credit cards and overdrafts. So, which is best for you? Our Borrowing Options guide will help you figure out what type of lending will suit you best.

Yes. For example, you might want to use your loan to consolidate your debt (rolling all your debt payments into one) while also improving your home. 

As responsible lenders, we ask you why you want to borrow money from us. Please choose the option you’ll spend most of your loan on.

A loan is a simple way for you to borrow money. You could borrow between £1,000 and £50,000 from us (depending on what you want the money for). 

With a loan, you get all your loan money in your bank account at once. You then pay it back each month, plus interest. You can take from one to 10 years to pay us back – depending on what you need the loan for. For more details, read our personal loan guide.

So, why come to us for a loan?

We think our loans are the best (and it‘s not just us saying that). Defaqto gives us the maximum five stars.  What’s more, you can apply in minutes. And could get money in your account the same day.