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Defaqto five-star rating logo – the best rating from Defaqto for an Unsecured Personal Loan 2022.
Top up your loan

 

Want to top up your loan? Check out your options now.

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.

Why top up your loan with us?

Apply in minutes

It takes minutes to apply online. It's also easy, as we fill out your info where we can.

Get a free quote

Check what you could borrow and your rate before you apply - without affecting your credit score.

Borrow up to £50,000

You could borrow up to £50,000 over 1 to 10 years dependent on how much you are borrowing. If approved, your money will wing its way straight to you account. 

Money same day

You could get your money today

Your money could be in your account the same day if you apply online, are unconditionally accepted and sign your loan documents before 5:45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info).

How to top up your loan

It's simple to top up your loan. Just choose an option:

Option 1: Apply for a new, bigger loan to replace your existing loan(s)

How does this top up loan work?

  • Get one bigger loan that pays off your existing NatWest loan(s) - and gives you the extra money you need. 
Information Message

Just so you know...

  • You'll have just one fixed-rate loan payment, so it's easy to manage.
  • This new, bigger loan will have a new interest rate, which might be more than the interest on your existing loan.
  • You'll need to pay an early repayment fee. (This is a charge to pay your loan off early.)
  • We'll include this early repayment fee in the amount needed to pay off your old loan.
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Option 2: Apply for another separate NatWest loan on top

How does this top up loan work?

  • You'll keep your existing NatWest loan(s) – which will stay the same, with the same interest rate.
  • Then apply for a second NatWest loan for any additional borrowing you want.
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Just so you know….

  • You’ll have up to three loans, with three monthly repayments.
  • Each loan will have its own interest rate.
  • Each loan will have a different number of years to pay it back over.
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What is APR?

Unsure about APR? Take a few minutes to read our helpful guide.

How long could you borrow for?

You could pay back your loan over 1 to 10 years – it depends how much you’re borrowing and what you’re borrowing for.

Personal 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.

Get a free personalised quote

Find out if we're likely to say 'yes' before you apply and how much your loan could cost. Don't worry - a quote takes minutes and won't affect your credit score. 

Take a break with a 3-month loan repayment holiday

  • At the start of your application, we’ll give you a quote. This might include the option to take a repayment holiday.
  • You could then choose to delay your first repayment by three months.
  • You’ll need to say if you want to take a repayment holiday before you complete your application.

It's easy to manage your top up loan in the NatWest app

Payments

Manage your loan in a flash

It's quick and easy to see what you owe, make payments and overpay with our app. And thats just for starters.

Get our free app.

Information Message

Check your credit score

Check your credit score for free

Want to borrow more money? A good credit score could help. See what your score is in our app and get tips to improve it. 

Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion

Check your credit score in our app, free.

Information Message

Are you ready to apply?

We'll start with your free quote

At the start of your application, we’ll usually let you know if you could get a loan – and your personalised rate – without affecting your credit score. 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 have had a current account with us for at least three months.
  • Not have been declared bankrupt in the last six years.
  • Not have applied for a loan with us in the last 28 days.

Sounds good so far? Just a bit more info to get through:

Ready to apply?

Just so you know, you can only apply if you have two loans or less with us right now. (More than two loans? You'll ned to pay one off before you apply.)

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute.

What device are you using?
Are you using your mobile, or something else, to apply for a loan?
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?
Are you applying on your own?

Great, let's get started

Just a heads up - you'll be asked to log into the NatWest mobile app to start your loan application.

You're about to start your application so just a heads up:

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a NatWest current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days.
  • you'll be asked to log into the NatWest mobile app to start your loan application.

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

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.
Are you applying on your own?

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 ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

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 ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

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.

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

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 ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

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 ‘Let’s start’ (under ‘Ready to apply?’).

 

Log in and apply

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.