Borrowing more

Already have a loan and want to borrow more?

Apply now Personalised loan quote - no impact on your credit rating

Our best ever Representative 4.9% APR for loans of £7,500 to £14,950. Other amounts available at alternative rates. Over 18s and existing NatWest current accounts customers only.

Thinking of borrowing more?

When you apply for a new loan, we'll ask if you want to keep or close your old loan during the application process.
Things to bear in mind:

Option 1: Open a new loan and run two side-by-side.

couple-discussing-in-lounge-on-sofa-holding-magazine-with-laptop Find out more

Borrowing more - Option 1

Open a new loan and run two side-by-side

  • Your old loan will continue to be repaid at its current interest rate. So if its already a low rate of interest you might want to leave it open.
  • Closing a loan early incurs a fee, you'll avoid this if you leave the loan open
  • There's no difference in how much you can borrow - total borrowing cannot exceed £25k, whether as one loan or several

Flexible borrowing options:

 - Loans of £1,000 to £14,950 can
   be repaid over a maximum of 5 years

 - Loans from £15,000 to £25,000
   can be repaid over a maximum of 7 years

Option 2: Replace your existing loan with a new loan for a larger amount.

couple-having-breakfast-discussing-laptop Find out more

Borrowing more – Increase loan amount - NatWest

Replace your existing loan with a new loan for a larger amount

Apply for a total amount you require to pay off your existing loan plus any additional funds you require:

- your existing loan will be repaid and closed down and the remaining balance released to you;

- the total borrowing will now be at the new interest rate as your previous loan will have been repaid;

- please note - when your existing loan is repaid you'll pay 58 days interest (28 days if loan term 12 months or less, or the remaining number of days interest if there are less than 58 days (or 28 days) left in the loan term) to close the old loan early;

- please remember, if you decide to borrow over longer term, this may mean that you'll pay more interest overall.

To find out your outstanding loan balance, current rate, and your Early Repayment Charge, please call us or visit your local branch. 

If you cancel your new loan in the 14 day cancellation period we are under no obligation to reinstate your old loan. However we could offer a new loan for the amount of the old loan at the current rates available.

- Home improvement loans over £2,500
   can be repaid over a maximum of 10 years

- The minimum loan term is 1 year,
   irrespective of loan amount

Personalised loan quote

Find out if you are likely to be accepted for a loan

No impact on your credit rating
View your personalised interest rate and monthly payments
Find out how much you may be able to borrow

If you choose to apply additional checks (including a full credit check) may be carried out and this may affect our decision. 


Find out if you could get a loan


Personal loans

Here's why a NatWest loan might be right for you.

Borrow between £1,000 and £25,000

£1,000 - £14,950 repay over 1 to 5 years, £15,000 -£25,000 over up to 7 years. Home improvement loans over £2,500 repay over up to 10 years.



Funds next working day

If you use online banking, apply before 5.55pm Mon-Thur & have your loan unconditionally accepted. Sometimes we'll need to contact you for more information so it takes a little longer. 

Bank with us online? We can pre-fill your application, saving you time.


Personal loans

Ready to apply?

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