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Loans

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Key information

Summary Box

Key information for our personal loans from 1,000 to 35,000
Interest Rate If successful, the interest rate you will pay is based on your personal circumstances
Repayment period For loans up to 14,950, the maximum loan term is five years. For loans between 14,950 and 35,000, you can borrow over a maximum of seven years.
If you're borrowing over 15,000 for home improvements, you can take the loan over 10 years.
No matter how much you borrow, the minimum borrowing term is one year.
Amount of Loan available 1,000 to 35,000 in increments of 50.
Application/Arrangement Fee No arrangement fee applicable.
Other fees None.
Default fees
  1. Missed Payment fee of 6 each time a payment is missed.
  2. Default Notice fee of 30.
Early Settlement You have the right to repay the credit early at any time in full or partially.

If you chose to repay the Loan early, either in full or in part then additional interest will be payable. This will be an amount equal to 58 days interest at the Annual Rate of Interest (28 days’ interest only if the original period of the loan is one year), calculated on a daily basis on (a) the amount by which the outstanding balance of the Loan is reduced by the overpayment or (b) where the Loan is repaid early, on the amount of the outstanding balance of the Loan which is repaid ahead of the due date.

Please note that an application for credit will usually be recorded with credit reference agencies and may affect your ability to obtain credit elsewhere in the future.

Tailored Loans

We offer Tailored loans. For details of our current rates and fees or if you would like a quotation, please contact us.

Please note this product is only available to NatWest current account holders.

Get in touch

  • Call us on
    01624 637000

Lines are open: Mon to Fri 9.00am-5.00pm (excluding public holidays).
Calls may be recorded