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What happens once I have applied online for a personal loan?

If you've signed online during your loan application:

  • We will usually process your application within 2 working days and will send you a text or email to confirm when the funds will be in your account  
  • A confirmation letter, plus copies of the application documents, including a copy of your loan agreement, will be sent to your online mailbox along with a text or e-mail to notify you when the documents have been sent to your mailbox.


If you've not signed online during your loan application:

  •  We will usually send you either an email or text with next steps within 2 working days
  • We may invite you to upload any supporting documents we require (we'll let you know if we need this) and sign your application via our secure online portal
  • Once you've submitted your signed agreement (including all the supporting documents we requested), we will usually process your application within 3 working days


Alternatively, if we're unable to process your application online, we'll print your loan agreement and send it to you as soon as we can (it should be with you within 4 working days depending on the postal service). If we send you a postal loan agreement, please sign and date it where indicated and send it back to us in the envelope provided. If we've asked for confirmation of identity, income or other documents, you can visit any branch and they will take copies of your original documents - during busy periods, you may wish to make an appointment. - Once we've received your signed agreement (including all the supporting documents we requested), we will usually process your application within 3 working days

More information:

  •  You do not need to sign your loan agreement or submit documents if you have completed your application online, or via our secure portal -
  • On some occasions we may need to contact you to clarify details in your application - if so, we'll phone or write to you within 3 working days  
  • Once we've processed all your documents, we'll transfer your loan funds into the account that you've specified on your application and send you a letter confirming that the loan account is open  
  • If during your application you opted for a paperless confirmation letter, we will send you an e-mail or text message to let you know when this has been sent to your online mailbox.


Please note: your application remains an agreement in principle (rather than our final decision) until we've completed our credit assessment process. We may also need to contact you for further information to support your application. If this is likely to affect our final decision or the timing of our final decision, we'll contact you to let you know.

If you wish to speak to someone about your application If you have submitted an online application for a personal loan and would like to enquire as to the status of your application, please call us on the number below.

NatWest application helpdesk
0345 3030 299
Minicom: 0800 404 6161
Open Monday to Friday 9am - 5pm, closed Sat-Sun.
(Opening hours may vary on public holidays)
Calls may be recorded.