NatWest Bank Loans

700 reviews

Representative 3.4% APR

Will lend between: £1,000 - £50,000

Over: 12 - 96 Months

Representative example: If you borrow £10,000 over 60 months at a Representative rate of 3.4% APR and an annual interest rate of 3.40% (fixed), you would pay 60 monthly instalments of £181.25. The total charge for credit will be £875.00 and the total amount payable will be £10,875.00

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NatWest Bank Loans customer reviews.

700 reviews

1.5 out of 5 stars

Our review of NatWest Bank Loans

NatWest offer unsecured personal loans between £1,000 and £50,000 to be repaid over one to five years with a representative APR of 3.4% for loans between £7.500 and £19,950.  You will need to have good credit history to apply with NatWest, as you do with most of the big high street banks and if you have online banking with them then you can apply online, otherwise you will need to pop into a branch or call their customer service team.

Their online quote process is personalised to each customer and takes into account personal circumstance before giving an indication of how likely it is that the applicant will be approved. This is a handy tool as it means that if you are given an unlikely rating then you know not to apply and there will be no footprint left on your credit file.

Looking at reviews online doesn’t give a real representation of NatWest’s loans. Their TrustPilot rating is ‘bad’, however this takes into account all of the products they provide, not just their loans and scanning through the reviews the bulk of dissatisfaction is about bank charges and impersonal service. On Choose Wisely there are arguments for both good and bad; on the negative side customers don’t like having to pay early settlement charges and have had to make multiple calls or visits to branch. However, on the positive side, customers have found the process simple, efficient and have received their loans quickly.

Overall verdict:  NatWest seem to have similar problems to other high street banks in the market – they can sometimes have impersonal service, they charge for early settlement and you have to have an account to get a loan with them. However, if you bank with NatWest and have had a positive experience then don’t let this put you off, make use of their personalised online quote and see if it’s worth applying.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • Personalised loan quote doesn’t leave footprint on credit file
  • Online banking customers can apply online
  • Decision in minutes
  • Funds often available the next day

Minimum criteria

  • You must be aged over 18
  • You must have had a NatWest current account for at least 3 months


  • Maximum APR 24.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

NatWest Bank Loans Customer Question & Answers

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About NatWest Bank Loans

NatWest offer loans between £1,000 and £50,000 that are available to borrow over one to eight years at a representative APR of 3.4%. Be aware the rates offered will take into account your personal circumstances aswell as the amount you’re looking to borrow. This may result in the final rate offered being different from their advertised rate. On the website, customers are able to complete a personalised loan quote that indicates how likely the applicant is to be successful and doesn’t leave a footprint on their credit file. If you are self-employed or approaching retirement, then you will have to visit a local branch or call their customer service team to receive a quote.

To apply for a loan with NatWest there are a few criteria that you will need to meet; you must be over 18 and have held a NatWest current account for three months or more and have a good credit history. If you are accepted and have online banking, then you can often receive the funds the next working day, however if there is more information required then it can take a little longer.

You have a few options when applying for a NatWest loan, there’s an online application, telephone team and you can visit them in branch.

Company information

Registration number: 929027


250 Bishopsgate, London, England, EC2M 4AA

FCA registration

Reference No: 121878

Trading names: National Westminster Bank Plc, Natwest Markets, Williams & Glyn

Place of business: 135 Bishopsgate, London EC2M 3UR

Data protection registration

Registration No: Z4936258

Data controller: National Westminster Bank PLC

Address: 135 Bishopsgate, London EC2M 3UR

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