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How Principal \u0026 Interest Are Applied In Loan Payments - Explained With ExampleYou can apply for a loan in person at a branch or by post, phone or online. Check your lender is approved by the Financial Conduct Authority (FCA). It could be. How to get a personal loan in 9 steps � 1. Know your credit scores � 2. Run the numbers � 3. Review lender requirements and gather documentation � 4. Compare our bank loan options. Check out our loans online and apply for a new loan or borrow more on an existing NatWest loan.