Late repayments can cause you serious money problems. See our debt help guides.
You should only apply for a NatWest personal loan if you’re certain you can make your repayments, and you meet the following criteria:
The Annual Percentage Rate (APR) provides an annual summary of the cost of a specific loan. It takes into account both the interest and any mandatory charges you’ll need to pay over the duration of the loan. Where a lender doesn’t charge product/admin fees (as is the case with NatWest) the interest rate and the APR will usually be the same.
The purpose of the APR is to help consumers to compare loans even when different lenders structure their rates and fees differently. Sounds great, right? However, almost all lenders will offer each successful applicant a personalised APR. In other words, if the lender sees that your credit record isn’t perfect, there’s a decent chance that they’ll offer you a higher rate than the advertised representative APR. The representative APR is the APR that a lender realistically expects 51% of customers to receive.
If you want to get a NatWest loan, you can do so by completing the following steps:
Existing NatWest customers can transfer debt from cards held elsewhere to enjoy a lengthy 0% interest period.
Existing NatWest student account holders can apply for this card to cover unexpected expenses and kick-start a good credit history.
Find out how this card holds up against a the broad range of rewards cards available from NatWest’s competitors.
The NatWest Reward Black Credit Card has no overseas transaction fees and also earns points that can be exchanged for cash, vouchers or charitable donations.
Enjoy low ongoing interest rates and no annual fees or foreign transaction fees with this straightforward NatWest credit card.
Considering a NatWest personal loan? Use our calculator to work out how much you’ll pay back, and see how NatWest’s loans hold up against the competition.
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