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Nationwide: Personal Loan reviews

Name: Personal Loan
Rating: 4.26 (39 reviews)

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4.20

Based on 39 reviews, last reviewed 26th May 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

66%

18%

2 star

13%

Latest highest rating:

5

Easy to apply and let's you make extra payments I needed a personal loan to help pay for a divorce and a child arrangement order. Lot's of solicitor and court payments were needed. Nationwide was ea... Read more Reviewed on: 26th May 2025

Latest lowest rating:

1

They say they are there for their members, but if yo... They say they are there for their members, but if you need help. They just brush you under the carpet. Reviewed on: 13th March 2024

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About this product

Nationwide personal loan reviews on Smart Money People are honest reviews. If you're trying to determine whether this is the right personal loan for you, reading our Nationwide personal loan reviews can help you to find out what other people have to say. Smart Money People launched in October 2014 to help people like you to find the best personal loans. If you have used a Nationwide personal loan, we'd love you to write a quick review too.

Nationwide Personal Loan reviews (39)

Review of the Nationwide, Personal Loan:

Disgraceful service / support

Disgraceful customer service and banking facility. If anyone still banks with these crooks I recommend you switch if you ever want to get any descent customer service and aid in times of need. Having fallen a victim to Coronavirus was worried about making loan repayments for the upcoming month as I was in self-isolation and on unpaid leave from work. Have always kept up with my loan payments and never missed anything for the past 3 years. Dont let the false advertisements on their website fool you, they try to come across as they are very helpful and that they will assist their customers during "challenging times", having called their "Triage" team and waited over 1 hour on hold, I pleaded with the rep to offer some help to overcome the situation am in, wether that will be 1 month payment holiday on the loan or an increase in overdraft / credit card limit to tie me over just for 1 month and the outcome was, they only offered to change the repayment date on the loan and move it back by upto 14 days like that is going to help!, they do this all year round , nothing new and certainley no additional help during this pandemic. These stingy crooks did not even consider freezing credit card or overdraft fees just for 1 month till i return to work. Lastly in the same week, i accidently transfered some money from my current account to my credit card (online via internet banking), I was meant to transfer it to my savings account but as you know its very easy to select the wrong account to transfer money to in the drop down menu. After realising my mistake, I found there is no option to transfer money back from your credit card to your current account. I gave customer support a call and got through to a guy called "Sachin" (sounded like a right chav) whom immediatly said "you been passed to me in the collections department, your balance is xx and you need to pay xx"... I thought what the hell is this guy on? No one passed me through, I called in and my query is not related to balance, I have already paid the monthly amount due on my card thanks!!, I then told him the reason for my call to which he replied to transfer money back from credit card to current account would take 5 days to process..... and as i questioned why so long, he replied, you made the mistake what do you want us to about it? As you can see, the customer service is shocking, rude, incompetent staff even at the highest level, you can not even get through to a manager or to the complaints team, instead they take your number and you'd be lucky to ever recieve a call back from the complaints department. This is the 21st century folks.....and Nationwide expects you to wait 5 days to get funds transfered from your nationwide current account to your nationwide credit card back, come on people, open your eyes. just check what other banks offer and you will be suprised at the level of care and service compared to Nationwide which is a sinking ship! By the way, I also had a loan with YB and Post office and having spoke to their financial care team, they both provided a month payment holiday to assist me during the crisis which has meant reduced income. I am ever grateful to these banks and the difference between customer care and support is night and day compared to the crooked Nationwide. I will ensure on my return to work that I change bank details with my employer to YB with the outlook of closing my bank account with Nationscum. Reviewed on: 23rd March 2020

Very competitive rate & sorted quickly

Nationwide offered me a great personal loan rate, better than I'd seen anywhere else, and it was all sorted relatively quickly. Would definitely use them again. Reviewed on: 26th June 2016

Easy

Wanted a loan as I was buying a new car. Nationwide offered me a good rate and i got a speedy decision from them. The money was transferred to my bank account quickly without any hassle. staff were helpful throughout the whole process Reviewed on: 28th March 2016

Top customer service to relieve concerns

Missed a loan payment after forgetting to transfer funds from another account. After paying the missed payment via debit card via the automated system I received several texts to contact them in regards to my account. Rang the Nationwide and explained the situation and they put my mind at rest straight away explaining that the transaction may take a few days to process but it's nothing to worry about, and to ring them again if it doesn't go through by next week. Reviewed on: 24th February 2016

Offered a £5k personal loan at an amazing time

I was offered a £5k personal loan with Nationwide at a time when we were going through some financial difficulty. The rate we were offered some incredibly low and it helped us to put us back on the right path. I'm not quite sure if it was coincidence or they knew we could use the helping hand, but thankful either way. Reviewed on: 4th August 2015

I like the information and help they pervade

The information if very useful and clear in the details that they provide Reviewed on: 14th April 2015

Fast and easy

Great service, quick transfer. These people get me! Reviewed on: 13th April 2015

Easy application process

I have a flex direct account with Nationwide. They offered me a good deal when I wasn't really thinking about taking out a personal loan, which makes keeping up with repayments nice and easy. Reviewed on: 14th October 2014

Quick and easy process, money transferred within 2 days.

Recently got a loan from Nationwide for some home improvement. The application process was quick and simple (although I am already a Nationwide customer), I got accepted instantly and money came through within 48 hours. Online customer service was a good addition during the process to answer any queries. Reviewed on: 2nd October 2014

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