Write a review

NatWest: Personal Loan reviews

Name: Personal Loan
Rating: 4.22 (148 reviews)

View other NatWest products

4.02

Based on 148 reviews, last reviewed 12th Jun 2025

300% 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

Easy to use. Easy to use. Each step well presented, therefore quick and easy to get through Reviewed on: 12th June 2025

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

Read all reviews Write a review

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.

Review NatWest: Personal Loan now

Help others make smarter decisions by sharing your own experience.

Write a review

NatWest Personal Loan reviews (148)

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

Terrible service

I bank with them have done so for over 30 years. Myself and hubby decided to approach them for a home improvement loan as it made sense to keep everything under one roof. Applied online accepted waited for paperwork which didn’t arrive. Called a week later told to do digital doc did that also. Uploaded requested info still waiting 3 weeks later more info required again provided info, another week later they need a selfie which the digidoc system can not upload after several attempts! Asked to provided handwritten letter which we supplied again still waiting; I’ve now decided to cancel this entire process and will be looking for a new bank to remove my salary and savings and debits from such a useless bank. Beware Anonymously Reviewed on: 3rd November 2021

Best Offers for loans and transfers

Great loan rates and quick responses Reviewed on: 17th June 2021

Do you have a different NatWest product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Personal Loan
from The Co-operative Bank 3.75 from 3 reviews
Loans
from NHS Credit Union 4.95 from 362 reviews
Loans
from Koyo 5.00 from 2 reviews

Want to see more from NatWest?

Life Insurance
from NatWest 5.00 from 3 reviews
Tracker Rate Mortgage
from NatWest 5.00 from 5 reviews
Natwest Rooster Money
from NatWest 4.92 from 13255 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub