Natwest

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.