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Man painting his home

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.
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.

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

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

Are you a NatWest customer?
What device are you using?
Is our app on the device you're using right now?
Are you applying on your own?

Great, let's see if you could get your loan...

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).
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.

Log in to Online Banking to start your application

1. Log in to Online Banking

All you'll need is your customer number, PIN and password.

2. Choose 'Loans'

Under 'Our Products' choose 'Loans'. You'll then return to our 'Loans' page.

3. Apply for your loan

The good news is, you can now securely apply for your loan.​

Let's sign you up for Online Banking

To apply for your loan, you’ll need to sign up for Online Banking. The good news? It usually only takes 5 minutes. All you’ll need is your NatWest sort code and account number. Plus, your NatWest debit card, if you’ve got one. ​

 

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to Online Banking to start your application

1. Log in to Online Banking

All you'll need is your customer number, PIN and password.

2. Choose 'Loans'

Under 'Our Products' choose 'Loans'. You'll then return to our 'Loans' page.

3. Apply for your loan

The good news is, you can now securely apply for your loan.​

Let's sign you up for Online Banking

To apply for your loan, you’ll need to sign up for Online Banking. The good news? It usually only takes 5 minutes. All you’ll need is your NatWest sort code and account number. Plus, your NatWest debit card, if you’ve got one. ​

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.)