To apply, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months).
Get a personalised quote
At the start of your application we'll let you know if you're likely to be approved with no impact on your credit score.
We'll also show you how much you could borrow, your personalised interest rate and monthly payments.
Loan calculator
Representative Example:
£7,500
0 months
£137.55
£8,253.00
3.9
% APR
3.9
% p.a
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.
Can I pay off my loan early?
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
Borrow from £1k to £50k
£1,000 - £7,450 repay over 1 -5 years. £7,500 - £50,000 repay over 1-8 years. Home improvement loans of £7,500 or more can be repaid over 1-10 years.
Will it take ages to apply?
Around 10 minutes - we'll ask you to log in to Online Banking, which means we can pre-fill all the stuff we already know and save you time
When will the money arrive?
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.
How do I manage my loan?
You can manage your loan through Online Banking or in our Mobile App once accepted. Eligibility criteria applies.
Sounds good so far? Just a bit more info to get through:
Something else we can help you with?
National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 250 Bishopsgate, London EC2M 4AA. Financial Services Firm Reference Number 121878.