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Premier loans. Premier perks

You could enjoy better rates and borrow over £60k as a Premier customer.

You could get your money today if you apply and are approved before 5:45pm, Monday to Friday, excluding bank holidays.

 

Not yet Premier?

You'll need to pay £100k+ sole income into your NatWest account (£120k+ if you have a joint account). Or you'll need to have £100k+ savings or investments with us, or a £500k mortgage with us. 

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.

 

Premier banking customers may qualify for a preferential rate.

Have a play with our loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

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)

The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

How long could you borrow for?

You could pay back your loan over one to 10 years – it depends how much you’re borrowing and what you’re borrowing for.

If you borrow between:

£1,000 - £7,450
£7,500 - £60,000 or above
£7,500 - £60,000 or above for home improvements only

You'll pay us back in:

1 to 5 years
1 to 8 years
1 to 10 years
Daughter sitting at laptop with her mother.

Want a loan over £60,000? Or have a complex income?

If your loan needs are more complex, our Specialist Premier Lending Team is here to make things simple for you. 

Request a callback from our specialist team if:

  • You want to borrow over £60k.
  • Your income is from multiple sources, like bonuses or investments. 

The amount you can borrow depends on your individual circumstances.

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Let's start with a quote...

Please take your time to read this page and decide if a loan is right for you. Unsure? Try our borrowing options tool. 

At the start of your application, we'll say if you could get a loan and what it could cost. It’s then up to you if you want to go ahead

How much you could borrow:

Had a current account with us for 3+ months?

You could borrow up to £60,000.

Not had a current account with us for 3+ months?

You could borrow up to £35,000.

 

To apply online, you'll need to:

  • Be 18+, a UK resident and a Premier customer.
  • Not have been declared bankrupt in the last six years.
  • Not have applied for a loan with us in the last 28 days.

 

Okay? Here's a bit more to read:

Get your free quote

Check your eligibility
Do you have a NatWest current account?
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What device are you using?
Are you using a mobile, or something else, to apply for a loan?
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Is our app on the device you're using right now?
The NatWest app is the easiest way for you to apply for a loan. Do you have it on this device?
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Are you applying on your own?
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Great, let's get started

When you tap "Log in and apply", we'll take you to our app to start your application. 

Just so you know...

You can only apply if you have two loans or fewer with us. More than two loans? You'll need to pay one off before you apply.

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A quick heads-up before you apply...

To apply for a joint loan applicants must both:

  • Be 18+ and a UK resident.
  • Have your own mobile number and email address.
  • Have had a NatWest current account for 3 months+.
  • Have our app - you'll use it to apply.
  • Not have been declared bankrupt in the last 6 years.
  • Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

  • Both your addresses.
  • Both your incomes and outgoings (how much you spend).
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Do you have NatWest Online Banking?
If you know your Online Banking details we can pre-fill some of your info - making the application process faster.
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Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Apply for a loan’ (under ‘Ready to apply?’).

Log in and apply

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Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

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Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.
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Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose 'Apply for a loan’ (under ‘Ready to apply?’).

Log in and apply

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Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest debit card, if you have one.

  1. Head to 'Register for Online Banking.' 

  2. Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.

  3. We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future.  If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen. 

  4. We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.

  5. Go to the NatWest website and click ‘login’ in the top right-hand corner, have your activation code to hand.

  6. On the login page, type in your customer number and activation code.

  7. Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.

  8. Done, finished, complete.  Now you can manage your finances anywhere you can get online.

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We'll start with a free quote...

  • We’ll let you know if you can get a loan and what it could cost.
  • If you go ahead, our partner Mitek will check your photo ID.
  • (Not got your photo ID to hand? You can do this step later.)
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FAQs about our Premier loans