Personal
Loans
. . .

Personal loans

For life's big moments

Representative 4.9% APR

This rate is available on loans between £7,500 and £19,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

On this page

Overview & features Open in new window

Use our loan calculator Open in new window

Borrowing terms & rates Open in new window

Apply for a loan online Open in new window

A special surprise or a serious buy

Borrow between £1,000 and £35,000.
Fixed monthly payments mean no unexpected changes to your monthly repayment amount.
A range of repayment terms are available, depending on the purpose of the loan.
When you apply, you'll be given a personalised rate depending on your circumstances and how much you want to borrow.

To apply online you must be 18+, resident in Jersey, Guernsey or the Isle of Man and have a NatWest International current account or mortgage.

If you're resident in Gibraltar please get in touch to discuss your personal loan needs.

Borrow for a range of purposes

Our personal loans can be used for a variety of reasons such as a new or used car, home improvements, debt consolidation or even a wedding.

Planning a loan for more than one purpose?

If you're planning to use the loan for more than one reason, simply select the purpose that will take up more than 50% of the loan, when applying.

What can I not use a personal loan for?

There are some things a personal loan can't be used for, such as:

Buying or putting down a deposit on a property or land
Household bills, rent or mortgage payments
Business purposes
Payments in arrears
Tax avoidance arrangements
Court or solicitors' fees
Gambling
Buying shares or other investment funds

Use our loan calculator

If you're based in the Channel Islands or Isle of Man, you can use our loan calculator to help you calculate how much a loan might cost for certain borrowing amounts.

You can select different loan amounts and terms to view indicative monthly repayments.

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Apply in a jiffy

It only takes around 10 minutes to apply for a loan online.

We'll ask you to log in to Online Banking so have your details handy.

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Money in your account

You could get your loan funds as early as the next working day, if you apply online, are unconditionally accepted and sign your loan documents before 4.45pm Mon - Thur (UK time).

Sometimes we need to contact you for more information, so it can take a little longer.

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Personal loan calculator

Customers based in Jersey, Guernsey or the Isle of Man

If you intend to borrow between £1,000 and £19,950, our online loans calculator can help to calculate how much a loan might cost you.

If you intend to borrow between £20,000 and £35,000, and would like to receive a quotation before applying online, please get in touch to discuss your personal loan needs.

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Customers based in Gibraltar

Our loans calculator is currently not available to customers based in Gibraltar. Please get in touch to discuss your personal loan needs.

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Loan borrowing terms and rates

View our minimum and maximum borrowing terms below. You can also view the minimum and maximum APR for each of our loan bands.

Select to view

Loan amount

£1,000 - £7,450

£7,500 - £35,000

£7,500 - £35,000 for home improvements

Loan term available

2 to 5 years

2 to 8 years

2 to 10 years

Loan amount

£1,000 - £2,950

£3,000 - £4,950

£5,000 - £7,450

£7,500 - £19,950

£20,000 - £35,000

Minimum APR

24.9% APR

19.9% APR

8.9% APR

4.9% APR

5.9% APR

Maximum APR

29.9% APR

26.9% APR

25.9% APR

20.9% APR

7.9% APR

If you choose to apply, your personal APR may be different to the representative APR shown above. The rate you receive will be calculated based on individual factors, like how much you want to borrow, your financial situation and your account history.

Loan amount

£1,000 - £2,950

£3,000 - £4,950

£5,000 - £7,450

£7,500 - £19,950

£20,000 - £35,000

Minimum APR

24.9% APR

19.9% APR

9.9% APR

6.9% APR

7.9% APR

Maximum APR

29.9% APR

26.9% APR

25.9% APR

20.9% APR

9.9% APR

Understanding personal loans

Take the mystery out of personal loans with our guide to loan terminology.

View our loans jargon buster Open in new window

Ready to apply?

Before you apply, we've outlined the eligibility requirements for a personal loan below, to make sure it's the right option for you.

You can apply online for a personal loan if you are:

aged 18+
resident in the Channel Islands or Isle of Man
an existing NatWest International current account or mortgage account holder

If you're resident in Gibraltar please get in touch to discuss your personal loan needs.

Important information before you apply

Before starting an application for a personal loan we recommend that you use our loan calculator to view an indication of the loan rate that may be offered to you.

A credit search may be undertaken as part of the loan application.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Let's get you started

To speed up your application for a personal loan, we need to run through some quick questions with you. They'll only take a few minutes.

Continue

Where are you based?

Please tell us where you currently reside.