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Personal loans

For life's big moments

Representative 8.9% APR

This rate is available on loans between £7,500 and £35,000. Other loan amounts are available at alternative rates.

Why choose a loan with us?

  • Borrow between £1,000 and £20,000. If you are a homeowner we could lend you up to £35,000.
  • Fixed monthly payments mean no unexpected changes to your monthly repayment amount.
  • A range of repayment terms and rates are available. 
Information Message

To apply online you must be 18+, resident in Jersey, Guernsey, Gibraltar or the Isle of Man and hold a NatWest International current account for at least 180 days.

What could you do with a personal loan?

Our personal loans could be used for a variety of reasons: 

  • Buy a new or used car
  • Home improvements
  • Consolidate debt
  • Get married
  • Go on holiday

Getting started with our loan calculator

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.

Information Message

Loan calculator is available to residents based in Jersey, Guernsey, Gibraltar or the Isle of Man.

How much will it cost me?

Use our loan calculator

Our online loan calculator can help to calculate how much a loan might cost you.

 

Information Message

Ready to go?

Start your application

It only takes around 10 minutes to start a loan application online.

Once we get your details, we'll call you shortly to talk you through your borrowing needs.

Information Message

Loan calculator

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest Rate

3.9

% p.a.

(Fixed)

You can view our borrowing terms and rates here.

Borrow between £1,000 and £20,000. If you are a homeowner we could lend you up to £35,000.

Loan borrowing terms and rates

You could pay back your loan over 2 to 8 years*, the APR rate you pay depends on how much you're borrowing.

Loan amount

£1,000 - £2,950
£3,000 - £4,950
£5,000 - £7,450
£7,500 - £35,000

Repay over

2 - 8 years *
2 - 8 years *
2 - 8 years *
2 - 8 years *

APR

19.9%
16.9%
11.9%
8.9%
APR stands for Annual Percentage Rate. APR is a way that lenders show the interest and additional charges you will pay on what you're borrowing.
* Loan terms greater than 5 years are available to homeowners only.

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, Gibraltar or the Isle of Man
  • an existing NatWest International bank current account holder for at least 180 days.

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
Do you already bank with us?
Do you have a NatWest International current account that you have held for a minimum of six months (180 days)
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Where do you currently reside?
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Great, you're ready to apply

Get your online application started by clicking 'Start application' below.

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application.

We'll contact you by phone shortly to complete your application over the phone or book an appointment in branch - whichever is best for you. 

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Start application

Applying for a personal loan with us

Our personal loans are currently available to applicants located in Jersey, Guernsey, Isle of Man or Gibraltar only.

Our International Personal Banking service is available to customers that meet our minimum age, residency, balance and/or deposit requirements.

Find out more about International Personal Banking

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We're sorry...

We currently only accept applications from existing NatWest International current account customers.

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