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NatWest Bank Loan

A NatWest bank loan is probably only worth it if you're already a NatWest customer, a student or require a bridging loan. The site is complicated, all sorts of arrangement fees apply, and the rates aren't the best out there.

NatWest Bank loan examples (correct at publication date, uninsured):

  Monthly Repayment APR
£3000 across 2 years N/A N/A
£5000 across 5 years N/A 12.9%
£10000 across 7 years N/A 10.9%

A NatWest Bank loan is available from £1,000 to £25,000, but products and rates vary wildly according not just to how much you borrow and for how long, but several other factors. It will help if you're already a NatWest customer. Advantage Gold customers also get a lower rate of interest. Special products apply if you are a graduate, in MBA education, or require a bridging loan for house purchase.

For a generic NatWest Bank loan, you can apply online for sums up to £15,000- above that you'll need to call up or go to a branch in person. Other "tailored" loans are available, but with archaic arrangement fees of up to 2%, this looks like lousy value.

For a high street bank, NatWest certainly play their cards close to their chest: there are very few details on the website as to how much a NatWest Bank loan will cost- or indeed the cost of additional products such as repayment protection insurance.

The NatWest site is also miserably hard to navigate and understand.