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%.

4.0 ★★★★★ (404 reviews) Write a review
NatWest

Leave a review

Your review

Thanks for your review.
Return to NatWest

Read Terms and Conditions here

Table: sorted by representative APR, promoted deals first
4 of 4
Product Finder Score Loan amounts Loan terms Fee Repayments
NatWest logo
Finder score
Finder score
£1,000 - £50,000
1 year - 8 years
0%
£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 £11,714.4 repayable at £195.24 per month.
More info
Compare product selection
NatWest logo
Finder score
Not yet rated
NatWest Existing Customer Home Improvements Loan
Finder score
Not yet rated
£1,000 - £50,000
1 year - 10 years
0%
£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 £11,714.4 repayable at £195.24 per month.
More info
Compare product selection
NatWest logo
Finder score
Finder score
£1,000 - £35,000
1 year - 8 years
0%
£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 £11,714.4 repayable at £195.24 per month.
More info
Compare product selection
NatWest logo
Finder score
Not yet rated
NatWest Home Improvements Loan
Finder score
Not yet rated
£1,000 - £35,000
1 year - 10 years
0%
£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 £11,714.4 repayable at £195.24 per month.
More info
Compare product selection
loading
Showing 4 of 4 results

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 to £50,000
Loan terms1 year to 8 years
Loan rate typefixed
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
Loan amounts£1,000 to £50,000
Loan terms1 year to 10 years
Loan rate typefixed
Fee0%
Same-day funding available
Instant decisions in most cases
Soft-search facility available
Joint applications
Overpay without penalty
Repayment methodsDirect debit
Loan typeUnsecured Personal Loan
Loan amounts£1,000 to £35,000
Loan terms1 year to 8 years
Loan rate typefixed
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
Loan amounts£1,000 to £35,000
Loan terms1 year to 10 years
Loan rate typefixed
Fee0%
Same-day funding available
Instant decisions in most cases
Soft-search facility available
Joint applications
Overpay without penalty
Repayment methodsDirect 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.

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.

Do NatWest loans give an instant decision?

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.

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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

Your reviews

4.0
★★★★★(0)
5
4
3
2
1

All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.

10 of 404 reviews

★★★★★ Richard (Edinburgh) 6 months ago

Via customer survey commissioned by Finder

Very quick and easy to apply


★★★★★ Jack (Nottingham) 6 months ago

Via customer survey commissioned by Finder

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


★★★★★ Jeremy (London) 6 months ago

Via customer survey commissioned by Finder

This loan brand is quite good, the process of applying and getting the loan was all done in a matter of few hours.


★★★★★ Emma (Manchester) 6 months ago

Via customer survey commissioned by Finder

Brand name and reliability and I have been with Natwest fo p more than 40 years


★★★★★ Holly (Leeds) 6 months ago

Via customer survey commissioned by Finder

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


★★★★★ Kirsten (Nottingham) 6 months ago

Via customer survey commissioned by Finder

It gave me options of the amount and varying interest rates


★★★★★ James (Brighton) 6 months ago

Via customer survey commissioned by Finder

they are good for me and my needs.


★★★★★ Natasha (Sheffield) 6 months ago

Via customer survey commissioned by Finder

Because I thought the process was relatively stress free


★★★★★ Auste (Sheffield) 6 months ago

Via customer survey commissioned by Finder

Simple process, lower interest rates and the money available the same day


★★★★★ Harry (Belfast) 6 months ago

Via customer survey commissioned by Finder

I have had no problems


Chris Lilly's headshot
Written by

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 540 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health
  • Share trading

More guides on Finder

  • Personal loans for good credit: Rates from 5.8%

    Find the most competitive loan rates in the UK for high credit scores.

  • Capital One personal loan alternatives

    Capital One may not offer personal loans in the UK, but here are alternative options for those with less than perfect credit.

  • Compare personal loans for fair credit scores

    If your credit score isn’t spotless, you still have options when it comes to borrowing.

  • Personal loans with no fees

    Everything you need to know about personal loans that charge no fees.

  • Caravan finance and loans

    Hoping to buy a caravan, but worried about what it’ll do to your wallet? We’ve got the guide to ease those worries, so you can look forward to making lasting memories.

  • Compare laptop loans

    In need of a new computer but not sure how you can afford it? Whether your computer is broken beyond repair or you need one with more storage, we’ve put together a guide to help you find the best laptop loan for you.

  • Norwich Trust loan calculator

    Find out if a Norwich Trust homeowner loan is right for you. We walk you through the key features, eligibility and how to apply in this handy guide.

  • Loans for boilers

    Need a new boiler but can’t afford it? We’ve got the guide to help, with everything you need to know about loans, boiler finance schemes and other ways that you can afford a new boiler.

  • Bad credit personal loans

    Got a patchy credit record? All’s not lost – there are lenders who will consider you for a personal loan. Find out which ones, learn how to compare them and read about alternative options.

  • Compare low-interest personal loans

    See which online lenders offer personal loans with low interest rates and learn how to get a loan with minimum interest.

Go to site