Rating based on 30 reviews



  • Personal loans up to £150,000
  • Low-interest starting from 3.4%
  • Repayment up to 8 years

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Author Natwest. Screenshot of Natwest website. [Accessed May 11, 2020]

About Natwest

A personal online loan can help you out of a tricky financial situation.

At Natwest, our aim is to help you find the loan you need as quickly as possible. Our loan rates are personalized to suit your individual circumstances and so that they can easily fit into your budget.

Our online personal loans allow you to borrow between £7, 500 and £19,950 at an APR% as low as 3.4% with very easy repayment terms.

We make it so easy for you to apply

There is no need to visit a branch in person or speak to one of our consultants face to face, instead, you can simply apply online, or via our app anytime.

Complete the online loan application form and receive an outcome and your personalized rate. If you like the quote accept our offer and your cash will be paid into your account by the very next day.

Taking out a personal loan is easy as we give you a personalized rate and loan terms that easily fit into your budget.

Natwest Services

Once you have applied for a personal loan and have started making payments, you might need some extra cash to help you.

This is where our lending more option comes in very handy.

It so easy to borrow more, choose between the following options:

  • Option 1 - Replace your existing outstanding loan with a new loan for a larger amount. This will merge your 2 loans into one easy to manage loan payment.

    Your first loan will be repaid and then closed and the remaining balance will be paid into your account. The new interest will be charged on the new loan amount and your previous loan will be repaid so you only need to worry about one payment.

  • Option 2 - Open a new loan to run side by side. This allows you to have 2 short-term loans running at the same time.

    The old loan will continue at the original interest rate while the new loan will be charged at the current interest rate.

Natwest Product Details

  • Loan Type Personal loans
  • Interest Rate from 3.4%
  • Loan Amount up to £150,000
  • Repayment 24 months to 8 years
  • Decision 2 hours

Benefits of Natwest

  • safe and secure system
  • Loans approved in 2 hours
  • Low set up cost and no monthly fees

Our personal loans are reliable and affordable

It is very easy to become caught in a vicious debt trap. Our aim is to help you succeed financially so that you don’t become dependent on payday loans and can become more financially stable in the future.

The easiest way to manage your finances more efficiently is to budget. Drawing up a budget will give you a better idea of how much you are spending and where you can afford to cut back on your spending.

Tools that keep it simple

Our website has a wide range of resources available so that you can educate yourself about our products. The loan calculator is there to give you a basic idea of what your repayments will be and how much you can comfortably afford to borrow.

The APR% on our personal loans can be as low as 3.4%, borrow up to £7,500 over an extended loan period of up to 8 years.

Loan requirements needed to apply 

To apply for one of our online personal loans you will need to meet the minimum lending criteria

Requirements include:

  • You need to be at least 18 years old to apply
  • A resident of the UK
  • A Natwest Account holder for at least 3 months
  • Or a Credit card or mortgage customer for at least 6 months
  • You must have a valid mobile telephone number

Apply directly from the website or use our mobile app to access your loan and online banking.

Know how much money you are spending

A successful budget only works if you are honest with yourself about what you are spending and how much you earn. To draw up your budget it is important to categorise your spending into household expenses, bills, entertainment, food and utilities and other monthly expenses such as loan repayments.

Try starting small by taking a packed lunch to work instead of buying something to eat from the corner store.  You will be surprised at how quickly these little changes add up and they can make a world of difference to your budget.

Set savings goals and stick to them  

The money that you save must be put to good use and not just wasted on something else. Put the money you save into a savings account and at the end of each month use this extra money to help pay off your personal or debt consolidation loan even faster and regain control of your finances.

On our website, we have a handy savings goal tool available that helps you track your savings and help you reach your savings targets.

Reward yourself with your bank account

By banking with us you will receive up to 2% back in rewards; the magic about our rewards is that they can be used to repay your quick loan.  To take advantage of our rewards program you will need to have access to our mobile app, be a resident of the UK and pay a small monthly fee.

To stay active on the rewards program you will need to log into our account via the mobile app at least once every 3 months.

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Natwest is a trusted & reliable provider of personal loans

In our review, Natwest adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Natwest is a registered credit provider in the UK; FCA number 121878

Customer Reviews & Testimonials

If you need to borrow a large amount of money at a low-interest rate - Natwest is the perfect option!

Honoria B
— Stirling —

Natwest has been a great help in getting me financially stable again. Their online resources have been a true lifesaver and the customer services department are very helpful and friendly.

Cora K
— Dundalk —

They took the time to understand my needs and helped tailor a loan that was just right for me. Thank you, Natwest!

Locke C
— Liverpool —

Natwest Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 10:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 09:00 – 16:00
  • Sunday – Closed