Norwich Trust loan calculator

UK Credit, the sister brand of Norwich Trust, used to handle 2 types of loans. To better cater to customer needs, the company has transferred its unsecured homeowner loan accounts to Norwich Trust. UK Credit will still oversee its guarantor loan accounts.

Norwich Trust is a direct lender (not a broker) serving people who may have struggled with finances before. Its loans are designed for people who may find it hard to get a loan from high street lenders but don’t want to put forward their home as collateral.

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Calculate the cost of an Norwich Trust loan

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Finder Score	Loan amounts	Loan terms	Fee	Repayments
7.5Great Norwich Trust Personal Loan	7.5Great	£3,000 - £25,000	3 years - 10 years	From £299 – £299	N/A	Representative Example: Representative 27.9% APR fixed. Based on a loan of £15,000 and £299 arrangement fee for 72 months at 24% p.a. Total £29,000.88 repayable at £402.79 per month.	Check eligibility View details Compare product selection Compare	loading

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Finder Score for unsecured loans

To 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 methodology

• How our calculator works

  Our calculator lets you pick how much you want to borrow over a time frame that suits you, so you can estimate how much you would pay back each month and pay back overall. We base our calculations on Norwich Trust’s representative APR, but it’s important to note that your circumstances can affect the rate you’re offered.

Norwich Trust loan rates at a glance

The Norwich Trust Personal Loan charges 25.9% APR representative on loans of £25,000. Norwich Trust offers the unsecured personal loan with repayment terms between 3 years and 10 years, and applicants can apply to borrow from £3,000 to £25,000.

Key features of a Norwich Trust loan

What is an unsecured loan?

An unsecured loan is a loan that doesn’t require you to put any assets at risk should you default on the loan. A better credit score is often required to take out an unsecured loan, as there is no collateral protecting the lender.

How does a Norwich Trust unsecured loan work?

Norwich Trust’s rates are tailored to you and may vary from the advertised representative APR. You can apply in as little as a few minutes with no impact on your credit rating. Your credit rating will only be impacted when the loan is paid out. You must be a homeowner to apply for the loan.

You won’t be hit with any upfront fees, and because the interest rates are fixed, you’ll always pay the same each month. You can request an early settlement figure, which includes an early settlement interest of approximately 2 months interest and is valid for 28 days.

Am I eligible for a Norwich Trust loan?

To apply for a Norwich Trust loan, you must meet the following eligibility criteria:

How do I apply for a Norwich Trust loan?

Once you have checked your eligibility and have compared all borrowing options available to you, you can apply for a Norwich Trust loan by following the below steps:

1. Enter the amount you want to borrow and for how long on the Norwich Trust website.
2. Fill out the application form.
3. After running a few checks, Norwich Trust calls you to run through some of the final details.
4. Once approved, the loan is paid directly into your bank account.

Pros and cons

Noriwch Trust customer reviews

Norwich Trust received positive reviews from customers, according to review platform Trustpilot. It currently has an “excellent” rating of 4.7 out of 5, based on more than 180 reviews (updated July 2025). Many customers were quick to praise their customer service and the straightforward process.

Customer support information

You can contact the Norwich Trust customer care team by phone on or by email at welcome@norwichtrust.co.uk (for new customers) or myloan@norwichtrust.co.uk (for existing customers) with any queries.

Our verdict

If you have had credit problems in the past, then Norwich Trust could be a good option for taking out a loan that doesn’t require you to put up your house or car as collateral or sign a guarantor. As with any loan, you should only borrow within your means. If you can’t make the repayments, you run the risk of damaging your credit score.

Frequently asked questions

• Can I pay off a Norwich Trust loan early?

  Yes, you can request a settlement figure using the online loan manager or by calling Norwich Trust. There is a charge of approximately 2 months’ interest, but depending on where you are on the loan, this can result in a dramatically reduced cost overall.

• Will my payments go up if interest rates rise?

  No, payments are fixed for the duration of the loan.

• What supporting documents will I need to provide?

  You’ll need to provide your proof of address, proof of income and proof of identification.

• Can I make overpayments on my loan?

  Yes, Norwich Trust doesn’t charge anything for overpayments of up to 3 times the regular payment. Overpayments can be made through the online loan manager or by amending your direct debit.

• What happens if I’m having difficulties repaying my loan?

  If you’re struggling to make payments, call Norwich Trust as soon as possible. The Norwich Trust team will try to come to an arrangement with you.

• Is Norwich Trust safe?

  Yes, Norwich Trust is regulated by the Financial Conduct Authority and has excellent reviews on Trustpilot.

• I'm an existing Credit UK customer, what does the switch over to Norwich Trust mean for me?

  No change should occur during the switch over, which means that the existing terms and conditions of your loan will remain the same. If you’re paying by Direct Debit then your details will have been passed to Norwich Trust as part of the transfer. If you have any queries or concerns, please contact Norwich Trust.

Written by

Emily Herring

Publisher

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Emily Herring is a Publisher at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has recently joined the Investments team. She has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media. See full bio

Emily's expertise

Emily has written 83 Finder guides across topics including:

• Loans & credit cards
• Building credit

Co-written by

Ben Sharpe

Publishing assistant

Ben Sharpe was a publishing assistant at Finder. He specialised in credit products, including credit cards and personal loans. In his spare time he can be found playing drums or enjoying a game of badminton. See full bio