Loans | Royal Bank of Scotland Private

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Loans

We're now offering loans between
£1,000 and £50,000

Apply now Find out if you're likely to be approved

Our lowest ever Representative 3.9% APR  for loans of £7,500 to £25,000.

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Over 18s and existing Royal Bank current account customers only.

Help with your borrowing needs

Whatever your goal – a new car, a new kitchen, or anything else, a NatWest personal loan could help.
 

Borrow between £1k and £50k
£1,000-£14,950 repay over 1 to 5 years, £15,000-£50,000 over 1 to 7 years. Home improvement loans over £2,500 repay over 1 to 10 years.

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

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

Get in touch

Wherever you are – home or abroad – you can take advantage of our dedicated teams that are here to help. You can also book an appointment with your Private Banking Manager for expert banking support.

NatWest Private Team Chat with our team online

Our dedicated WebChat team is on hand 24/7, to help you. They can help you with things like:

  • Real-time balances and up-to-the-minute statements;
  • Mobile app and digital banking;
  • Instant transfers between your Royal Bank of Scotland accounts, paying bills and making payments;
  • Managing Direct Debits and standing orders; and
  • Arranging a free financial review with your Private Banking Manager.  

 
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

Chat now
NatWest Private Team Chat with our team online

Our dedicated WebChat team is on hand 24/7, to help you. They can help you with things like:

  • Real-time balances and up-to-the-minute statements;
  • Mobile app and digital banking;
  • Instant transfers between your Royal Bank of Scotland accounts, paying bills and making payments;
  • Managing Direct Debits and standing orders; and
  • Arranging a free financial review with your Private Banking Manager.  

 
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

NatWest Private Team Telephone banking

Wherever you are – home or abroad – call our dedicated telephone banking team (Private 24) at any time, day or night. They can help you with several things including:

  • Transfers, payments and international payments;
  • Balances and up-to-the-minute statements;
  • Managing your Direct Debits and standing orders;
  • Arranging a free Financial Health Check; and
  • Booking an appointment with your Private Banking Manager.  

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.

  
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

Call Private 24
NatWest Private Team Telephone banking

Wherever you are – home or abroad – call our dedicated telephone banking team (Private 24) at any time, day or night. They can help you with several things including:

  • Transfers, payments and international payments;
  • Balances and up-to-the-minute statements;
  • Managing your Direct Debits and standing orders;
  • Arranging a free Financial Health Check; and
  • Booking an appointment with your Private Banking Manager.  

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.

  
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

NatWest Private Team Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. Call us and we can book an appointment for you.

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.


If you are based in England or Wales, instead of a Private Banking Manager you will have a Bank Manager or Relationship Bank Manager. Unless stated otherwise, all services are still available to you. 

Book appointment
NatWest Private Team Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. Call us and we can book an appointment for you.

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.


If you are based in England or Wales, instead of a Private Banking Manager you will have a Bank Manager or Relationship Bank Manager. Unless stated otherwise, all services are still available to you. 

Your borrowing options

Find out how much you could borrow using our personalised quote tool.
Our loans calculator will show you what your interest rate and monthly payments could be.
If you’re unsure or undecided, our borrowing needs tool can help you compare your borrowing options. 

More about Royal Bank loans

Already have a loan with us?

You can now stay in control of your existing loan. Request your final settlement amount, find out if you can borrow more, make an additional loan payment, change your payment date and find out the interest rate you're paying on your loan.

Manage your Royal Bank loan
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