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Personal Loan

3.2% APR 

  • £7,500 Loan over 5 years

Representative Example: The representative APR is 3.2% (fixed) so if you borrow £7,500 over 5 years at a rate of 3.01% p.a. (fixed) you will repay £135.29 for 60 months.

3.88% APR 

  • £40,000 - £500,000 (3 to 30 year term)

Representative Example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1% APRC

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED. IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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NatWest Personal Loans

Whether you’re looking to borrow some money for a big one off purchase or perhaps you are thinking of consolidating existing debt you may have been wondering if Natwest Personal Loans are the right option for you.

Natwest personal loans are unsecured this means you do not have to be a homeowner to take them out or put up any other asset as security.

NatWest personal loan features:

  • Borrow between £1,000 and £25,000
  • Repayment options between 1-7 years, depending on amount borrowed

Although the most Natwest will lend with a personal loan is £25,000 the actual maximum you can borrow will be influenced by your credit history and current financial circumstances, this will also affect your interest rates.

Homeowner loans

If you own property and are looking borrow a larger sum of money then a Homeowner or ‘secured’ loan might be a solution for you. In this type of loan because you set up your home or other property as a security on the loan most lenders are willing to offer you more money and for longer periods. You can typically borrow between £25,000 and £250,000 over a period of up to 30 years with a homeowner loan.

Similarly to a personal loan however your specific APR as well as how much you can borrow will be affected by your credit history as well as the value of your home and how much of its equity to possess.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice.

Get the best deal

Whatever type of loan you are looking for and for whatever reason it’s important to get the best deal you can. Loans vary greatly from lender to lender, the different interest rates and terms and conditions mean that the best loan for one person is not always the best plan for everyone else. Therefore you should shop around before you commit to a plan.

You can use the calculator on this website to compare over 200 different loans from over 20 different providers, to help you see what the different options for you are.

Before you take out a loan.

It is important before you take out a loan that you have made sure it’s the right option for you. Consider alternatives before you decide for example; if you have any savings it might be beneficial to use these instead; as it may be that the interest you pay on a loan will be higher than any interest you earn in your savings.

There are other types of borrowing than personal and home owner loans such as authorised overdrafts and credit cards you might wish to consider.

Also if you are thinking of taking out a loan to consolidate debt understand that spreading your payments over a longer term could mean you ultimately pay more overall than you would with your existing arrangements, even if the interest rate on the new loan is less than the rates you have at the moment.

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