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How we picked theseTo make it even easier to compare and evaluate unsecured loans we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyPlease note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
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How do NatWest loans compare against the competition?
See today's rates from across the personal loan market.
The NatWest Personal Loan charges 6.6% APR representative on loans between £7,500 and £14,950. NatWest offers the unsecured personal loan with repayment terms between 1 year and 8 years, and applicants can apply to borrow from £1,000 to £50,000.
The NatWest Home Improvements Loan charges 6.6% APR representative on loans between £7,500 and £14,950. NatWest offers the unsecured personal loan with repayment terms between 1 year and 10 years, and applicants can apply to borrow from £1,000 to £50,000.
| Loan amounts | From £1,000 to £50,000 |
|---|---|
| Loan terms | From 1 year to 10 years |
| Age eligibility | 18 years and over |
| Application fee | No application fee |
| Repayment holiday | Repayment holiday not permitted |
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000 to £50,000 |
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000 to £50,000 |
| Loan terms | 1 year to 8 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct debit |
| Loan amounts | £1,000 to £50,000 |
|---|---|
| Loan terms | 1 year to 10 years |
| Loan rate type | fixed |
| Fee | 0% |
| Same-day funding available | |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Repayment methods | Direct debit |
NatWest personal loans are unsecured, meaning you do not need to provide an asset as security against the loan. Instead, your rate will be based on your personal credit rating. While NatWest’s rates are normally competitive, the representative APR may not be the rate you’ll receive: NatWest will offer you a rate based on assessment of your personal financial circumstances.
The Annual Percentage Rate (APR) is a summary of the yearly cost of a loan. It takes into account both interest and any unavoidable charges you'll need to pay (for example an arrangement/product fee) over the duration of a loan. Because NatWest doesn't charge an arrangement fee, its APR comprises just the interest rate – and so they're one and the same.
However, the vast majority of lenders tailor rates (and therefore APRs) to the individual applicant. If they think you're a riskier bet, they'll offset that by offering you a higher APR. The "representative APR" (as defined by the Financial Conduct Authority) is what NatWest gives to at least 51% of those who take out the loan. The other 49% could pay more. NatWest must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
NatWest advertises a representative APR of 6.6% on loans between £7,500 and £14,950 on the NatWest Personal Loan, 6.6% on loans between £7,500 and £14,950 on the NatWest Personal Loan and 6.6% on loans between £7,500 and £14,950 on the NatWest Home Improvements Loan.
Unfortunately, NatWest loans are only available to existing customers who have had another NatWest product for at least 3 to 6 months. However if that’s you, you could get approved for a loan online within minutes and receive your funds the following day if you use online banking.
If you’re getting a loan to make home improvements, you can choose a loan term up to ten years.
You should only apply for a NatWest personal loan if you’re certain you can make your repayments, and you meet the following criteria:
NatWest typically offers loans to applicants with high credit scores. It's important to note that your credit record is just one factor that NatWest considers. However, if you don't have a high credit score, you're very unlikely to get approved for a NatWest loan.
A "Good" or "Excellent" credit rating would require a score of 881 or higher if you're referring to Experian's scale, 531 or higher if you're referring to Equifax's scale and 604 or higher if you're referring to TransUnion's scale.
Yes, NatWest offers instant decisions online in most cases. (Occasionally, more information may be required.) First, you can use the soft-search eligibility checker to find out your chances of getting approved. (This won't affect your credit score.) Then, if you opt to go ahead and apply, you'll get an instant answer. NatWest can also offer same-day funding of your loan.
If you've decided that a personal loan from is right for you, you can head over to 's website to apply. Completing the secure online application form usually takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.
87% of customers we surveyed in 2026 would recommend NatWest to a friend.
It offers a highly accessible personal loan that is particularly convenient for existing customers, allowing them to track progress directly within their main banking app. The application process is generally fast, with funds often arriving the same day.
Customers appreciate the flexibility of payment holidays, though feedback on the interest rates is mixed, with some finding them competitive and others feeling they are on the higher side.
AI-generated summary from the text of customer reviews on Finder.
NatWest personal loans can be used to consolidate debt, but the lender does not offer dedicated debt consolidation loans. As with a normal NatWest personal loan, you’ll need to have been a NatWest current account holder for at least three months to be eligible for a NatWest debt consolidation loan.
You can call customer support on 0345 788 8444. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 3pm (excluding public holidays).
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