NatWest Personal Loan
NatWest personal loans offer fixed monthly repayments with no early repayment charges. Available to both existing and new customers with a quick online application.
Last checked on May 17, 2026. We may earn a commission when you click through.
NatWest offers a straightforward personal loan with fixed repayments and no early repayment charges, making it accessible for various borrowing needs.
NatWest Personal Loan
Updated 53 minutes ago| APR | Amount | Term |
|---|---|---|
| 5.5–19.9% | £1,000–£50,000 | 12–60 mo |
Requirements
UK resident
18+
Regular income
Decision
MinutesOur Verdict
NatWest offers a straightforward personal loan with fixed repayments and no early repayment charges, making it accessible for various borrowing needs.
Best For
This loan is best for existing and new customers looking for flexible borrowing amounts with quick online approval.
Watch Out
Potential borrowers should be aware that the APR varies significantly based on creditworthiness, ranging from 5.5% to 19.9%.
Ready to check your rate?
No credit score impact — free to check
You'll be redirected to natwest.com
About this loan
NatWest personal loans offer fixed monthly repayments with no early repayment charges. Available to both existing and new customers with a quick online application.
What Customers Say
Borrowers have noted the quick approval process but expressed concerns over customer service responses.
Expert Analysis
If you need a personal loan quickly, NatWest's online application process could get you approved in minutes, with funds potentially available the same day if approved before 5:45 PM. Borrowers can apply for amounts ranging from £1,000 to £50,000, depending on the purpose of the loan and repayment terms of 1 to 8 years.
One of the standout features is the absence of early repayment charges, allowing borrowers to pay off their loans without incurring extra fees. However, the APR can be quite high for those with lower credit scores, with a maximum rate of 19.9%, which could significantly inflate your repayment amount.
NatWest’s loan terms are fairly flexible, but those with poor credit histories may find better options elsewhere, such as credit unions, which often cater to low-score borrowers with lower rates. Customer service has mixed reviews, so ensure you're comfortable with their support options before committing.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
- 5.9–24.9%
- APR
- £1k–£25k
- 12–60mo
18+
UK resident
Regular income
- 6.0–19.9%
- APR
- £1k–£25k
- 12–84mo
No specific requirements listed
- 7.9–45.9%
- APR
- £1k–£25k
- 12–60mo
18+
UK resident
Soft search available
- 3.9–24.9%
- APR
- £1k–£50k
- 12–60mo
UK resident
18+
Regular income
- 5.9–34.9%
- APR
- £1k–£35k
- 12–60mo
UK resident
18+
Soft credit check first
- 9.9–69.9%
- APR
- £1k–£8k
- 12–60mo
18+
UK resident
Regular income