NatWest loan calculator

Use our NatWest loan calculator to get an idea of how much you'd pay back on a fixed-rate, unsecured NatWest personal loan as a new or existing customer. Loan amounts between £1,000 and £50,000 with rates starting from 6.6%.

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Table: sorted by representative APR, promoted deals first
1 - 4 of 4
Product Finder Score Loan amounts Loan terms Repayments
NatWest logo
Finder score
£1,000 - £50,000
1 year - 8 years
£195.23
(£11,713.96 overall)
Representative Example: Representative 6.6% APR fixed. Based on a loan of £10,000 for 60 months at 6.6% p.a. Total £11,713.96 repayable at £195.23 per month.
Representative Example: Representative 6.6% APR fixed. Based on a loan of £10,000 for 60 months at 6.6% p.a. Total £11,714.40 repayable at £195.24 per month.
View details
NatWest Existing Customer Home Improvements Loan
NatWest logo
Finder score
Not yet rated
£1,000 - £50,000
1 year - 10 years
£195.23
(£11,713.96 overall)
Representative Example: Representative 6.6% APR fixed. Based on a loan of £10,000 for 60 months at 6.6% p.a. Total £11,713.96 repayable at £195.23 per month.
Representative Example: Representative 6.6% APR fixed. Based on a loan of £10,000 for 60 months at 6.6% p.a. Total £11,714.40 repayable at £195.24 per month.
View details
NatWest logo
Finder score
£1,000 - £35,000
1 year - 8 years
£195.23
(£11,713.96 overall)
Representative Example: Representative 6.6% APR fixed. Based on a loan of £10,000 for 60 months at 6.6% p.a. Total £11,713.96 repayable at £195.23 per month.
Representative Example: Representative 6.6% APR fixed. Based on a loan of £7,500 for 60 months at 6.6% p.a. Total £8,785.20 repayable at £146.42 per month.
View details
NatWest Home Improvements Loan
NatWest logo
Finder score
Not yet rated
£1,000 - £35,000
1 year - 10 years
£195.23
(£11,713.96 overall)
Representative Example: Representative 6.6% APR fixed. Based on a loan of £10,000 for 60 months at 6.6% p.a. Total £11,713.96 repayable at £195.23 per month.
Representative Example: Representative 6.6% APR fixed. Based on a loan of £10,000 for 60 months at 6.6% p.a. Total £11,714.40 repayable at £195.24 per month.
View details
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Finder Score for unsecured loans

To make comparing even easier 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 methodology

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

How do NatWest loans compare against the competition?

See today's rates from across the personal loan market.

NatWest loan rates at a glance

The NatWest Existing Customer 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 Existing Customer 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.

The NatWest New Customer 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 £35,000.

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 £35,000.

Key features of a NatWest loan

Quick overview of NatWest personal loans

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

Breakdown by loan

Loan typeUnsecured Personal Loan
Loan amounts£1,000.00 to £50,000.00
Loan terms1 year to 8 years
Loan rate typeFixed
Product fee0%
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 methodsDirect Debit
Instant decisions in most cases
Joint applications
Loan typeUnsecured Personal Loan
Loan amounts£1,000.00 to £35,000.00
Loan terms1 year to 8 years
Loan rate typeFixed
Product fee0%
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 methodsDirect Debit
Instant decisions in most cases
Joint applications

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.

APR and Representative APR explained

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 Existing Customer Personal Loan, 6.6% on loans between £7,500 and £14,950 on the NatWest Existing Customer Home Improvements Loan, 6.6% on loans between £7,500 and £14,950 on the NatWest New Customer 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.

Am I eligible for a NatWest personal loan?

You should only apply for a NatWest personal loan if you’re certain you can make your repayments, and you meet the following criteria:

  • You must be aged 18 or over.
  • You must be a UK resident.
  • You must have had either a NatWest current account for 3 months, or a NatWest credit card or mortgage for 6 months.
  • You must not have been declared bankruptcy in the last 6 years.
  • Your loan request must be for an acceptable purpose. Check online for NatWest’s unacceptable loan purposes.

What credit score do I need to get a NatWest loan?

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.

How do I apply?

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.

  1. Start your application.
    Use NatWest’s “Quick Quote” tool to see if you’re likely to be approved for a loan, and what you’ll need to pay. You can then click “Ready to apply” to begin your loan application.
  2. Get a decision.
    Once you’ve completed your application, you should find out if you’ve been approved within a couple of minutes.
  3. Receive your funds.
    You’ll receive your funds the next day, provided you use NatWest online banking and apply before 5.55pm between Monday to Thursday.

NatWest customer reviews

In our independent 2025 customer satisfaction survey, 90% of NatWest’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s good customer service and easy application process. Here’s what some of those NatWest customers had to say:

“It was a fast process, which talked through all the details and met my needs well.”

“Quick and easy to apply and money was available within a few days.”

Does NatWest offer debt consolidation loans?

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.

Customer support

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).

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 555 Finder guides across topics including:
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