NatWest personal loans for UK customers with rates from 6.6% and same-day funding

Fast overview of NatWest personal loans

NatWest personal loans offer competitive fixed rates from 6.6% p.a. for eligible UK customers, with loan amounts from £1,000 up to £50,000 and terms between 1 and 8 years. If you bank with NatWest, you can often get an instant decision and same-day funding when applying online before the cut-off.

This product is aimed mainly at existing current account holders and those with an established relationship, so it’s ideal for consolidating debt, funding home improvements or covering unexpected costs while keeping predictable monthly repayments.

Rates, amounts and repayment details

Representative rates start at 6.6% APR for well-qualified customers, with fixed monthly repayments that help you budget. A typical example: borrowing £10,000 over three years at a fixed 6.6% p.a. gives a representative APR of 6.6% and clear monthly payments.

NatWest personal loans have no application fee and offer flexible repayment via Direct Debit. You can apply for amounts from £1,000 to £50,000, and choose terms that suit your finances — shorter terms typically lower total interest, longer terms reduce monthly cost.

Eligibility, instant decisions and same-day funding

To apply you should be aged 18 or over and a UK resident, and NatWest prefers applicants who have held a current account for at least three months. Existing customers with a NatWest credit card or mortgage for six months may also qualify for the best rates.

The online process is quick: use the Quick Quote tool, complete the short form and get an instant decision. If you’re approved and apply before the bank’s cut-off time, same-day funding can land in your account — especially convenient for NatWest current account holders.

Pros, cons and tips before applying

Pros of NatWest personal loans include competitive fixed rates, predictable repayments and fast access to funds for existing customers. The ability to consolidate multiple debts into one loan can simplify finances and potentially reduce interest costs.

Cons are that the best rates are reserved for customers with good credit and an established NatWest relationship, and there may be early repayment adjustments. Check your credit score, gather ID and income details beforehand and run a Quick Quote to see likely rates.

How to proceed and call to action

If you’re already a NatWest customer, log in to online banking or visit NatWest’s loan pages to get a personalised quote in minutes. Compare representative APRs and monthly costs, then apply online to benefit from instant decisions and potential same-day funding.

Make sure you read the representative example and terms, consider alternative lenders if you’re not an existing NatWest customer, and choose a loan term that matches your monthly budget. Ready to check eligibility? Use NatWest’s Quick Quote and see if a NatWest personal loan fits your plans.