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Natwest loans

Thinking of taking out a NatWest loan? Read our guide to find out what loans are available and how to apply for them.

Thinking of taking out a NatWest loan? Read our guide to find out what loans are available and how to apply for them.

Who is NatWest?

With 19 million customers in the UK and Ireland, NatWest is a familiar high-street name and one of the UK’s ‘big six’ banks. It offers a full range of banking services, including savings accounts, mortgages, credit cards and loans.

Which is the best NatWest loan for me?

It depends on your personal circumstances.

NatWest offers its current account customers unsecured personal loans of £1,000 to £50,000 which you can use to buy a car, improve your home, consolidate debt and more. Individual and joint loans are available.

Why choose NatWest?

  • NatWest’s unsecured personal loan is 5-star rated by Defaqto – the independent financial products rating service.
  • Your money could be in your account the same day if your application is approved before 5.45pm Monday to Friday (apart from Bank Holidays).
  • You could have between one and 10 years to pay back your loan, depending on how much you’re borrowing and what you’re borrowing for.
  • There’s the option to apply to top up your loan, apply for a second NatWest loan or take out a joint loan.


To apply for a NatWest loan you need to be:

  • Aged 18 or over
  • A UK resident
  • A NatWest current account holder (for at least three months)

You also need to have not applied for a NatWest loan within the past 28 days.

Are there any charges?

As well as interest, there’s an early repayment fee if you pay off your loan before the term ends.

Why compare loans with Compare the Market?

See loans from a range of providers

We compare loans from 28 lenders[1]

Compare loans fast

Get a quote in 4 minutes[1]

Rated Excellent on Trustpilot[2]

[1] Correct as of June 2024.

[2] As of July 1st 2024, Compare the Market had an average rating of 4.8 out of 5 from 43,115 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’.

Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.

How well is NatWest reviewed on Trustpilot?

In January 2024, NatWest had a 1.4 star rating on Trustpilot.

See NatWest’s current Trustpilot rating

Frequently asked questions

How much can I borrow from NatWest?

NatWest offers loans of £1,000 to £50,000. But how much you can borrow will depend on your personal circumstances.

To get an idea of how much borrowing different amounts over different time periods could cost, try our loan calculator.

Can I get a NatWest loan with bad credit?

NatWest doesn’t offer loans specifically for people with bad credit. You can’t apply for a NatWest loan if you’ve been declared bankrupt in the past six years.

How to contact NatWest

You can find answers to many common loan queries on the NatWest website. The phone number for general queries about loans is 03457 888 444.

How do I apply for a NatWest loan?

You can apply for a loan on the NatWest website or through the NatWest mobile app. But before you apply, you can see a selection of loans you’re likely to be accepted for by using our loans eligibility checker.

Can I pay off a NatWest loan early?

Yes, but you’ll be charged an early repayment fee. This will be equal to 58 days’ interest on the amount you repay early, or 28 days’ interest if the loan period is one year or less. The amount will be based on the number of days left on the loan if it’s less than 58 (or 28) days.