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NatWest: Personal Loan reviews

Name: Personal Loan
Rating: 4.23 (150 reviews)

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4.13

Based on 150 reviews, last reviewed 22nd Jan 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

74%

14%

Latest highest rating:

5

got the loan i wanted at a good rate got the loan i wanted at a good rate over the period i asked for Reviewed on: 22nd January 2026

Latest lowest rating:

1

Worst bank and I have seen it go good to... Worst bank and I have seen it go good to terrible Reviewed on: 30th March 2024

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About this product

NatWest 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 NatWest 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 NatWest personal loan, we'd love you to write a quick review too.

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NatWest Personal Loan reviews (150)

Great Customer Service

When taking out a loan with NatWest they gave great customer service. We had to do an online video chat as it was during the pandemic. It was very easy from start to finish Reviewed on: 15th August 2022

Personal loan application for home improvements

Applied for 40k home improvement loan but taken over 10 days to process. Slow bank slow loan approvals. Called and they couldnt give updates. Tried to contact chat bot on app but they refuse to help with my loan application. Get this fixed or you will lose customers Reviewed on: 6th July 2022

Reliable

Was an easy stress free process applying for my loan with Natwest through the app. Would recommend. Reviewed on: 5th July 2022

Never use for a loan

Good APR thats of you get it after waiting for days weeks. Submit app says congratulations then says we may need more evidence then wait for more days. Nothing wait for the post 4 day nothing then supply information then they change the rate. Forget this, applied with another lender and got funds withing the day. This is for a small loan not a mortgage! Don't apply shocking not even a good mortgage lender we are still with then unfortunately. Reviewed on: 28th April 2022

Fantastic service and hassle free

I approached the bank about a loan and the experience was fantastic throughout. Staff were well equipped to sort my request and dealt with promptly Reviewed on: 4th April 2022

Never ever again

These charlatans cancelled my final payment of my loan then wouldn't accept my payment in any way except via direct debit, which they were unable to set up. Their customer service advisors varied from inept to liars. Never ever would I use this bank for anything again. Reviewed on: 15th March 2022

Soft search v reality

Hi, you fill in the soft search and get a positive result, apply properly and get rejected in less time than it takes to read declined. So you end up with a hard search on your credit file for nothing, don’t rely on these guys for their honesty, y makes me feel why I am I still with natwest, I have had loans from them and have never missed a payment, nor my mortgage. So don’t believe their soft search. Just click bait Reviewed on: 12th March 2022

Rubbish uncaring

Used this bank a while ago. They are fine if you have plenty in your account. Once you get into difficulties financially they don't want to know. Left me feeling traumatised would never use them again and would never recommend this rubbish bank. Changed to HSBC total different experience and complete opposite. Reviewed on: 8th January 2022

Rubbish application process

Loan application- Digidocs/ customer service Natwest has the most incompetent customer service and a new system called Cora that’s is based in India. Apparently neither of them are able to perform their duties properly. Loan application are meant to be processed in 5 working days but our has been going on for a month now. **Read if applicable:- The worst customer service ever! Both me and my wife decided to take a personal loan though netwest. We were assured that the loan would be process within 3-5 working day. The application was processed around the 10th of Dec. Understandably there were a few more documents required on our end Which was then forwarded around the 17th of Dec via Digidocs. Both of us were asked supporting docs such as right to reside. Unfortunately digidocs got back to us that the doc provided were not able to pass security. We had the similar documents uploaded several times. After receiving 5-8 rejection msgs/ mails my wife decided to call customer service. The rep advised us that the application was processed (set up) and that we could ignore any such request from Digidocs. We spoke to another rep around the 22nd of Dec who then advised that the funds would hit our account later that afternoon. Unfortunately the information provided was inaccurate and the funds never hit our account. At this point we received another email to nudge us that the application would be cancelled in the next 7 working days of there wasn’t any response. Again, we called up customer survive who told us again that the loan was set up and ignore any such request for Digidocs. We were then advised that the customer service and the loan department don’t work together and any such query would have to be raised with the loan department itself. We been provided several numbers to contact this incompetent department however neither of these worked as these guys have gone off to a jolly good festive break. We are now on the 4th week since the application and we still don’t have a clear response!!! Reviewed on: 31st December 2021

NATWEST Bank Loan Review

Please note NATWEST Bank traps people into 10%+ Loan Sharks while they keep promising one two things - low interest long term payment Low payment. This is not true. What they really do is they make you pay monthly 100 + pounds for interest and then they pay only 80 or 90 pounds from your money into original amount. This will keep adding into system and so you will end up paying this amount for more than 10 years and also you will end up paying more interest and the real amount keep increasing due to interests. It seems that they sell your loan to Loan Sharks who keep making money out of your income. Reviewed on: 15th November 2021

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