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NatWest: Personal Loan reviews

Name: Personal Loan
Rating: 4.22 (148 reviews)

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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

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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 (148)

If your a natwest customer go here first before any other company.

Have been a natwest customer for 8 years now, of all the banks I have banked with and thats most high Street ones I have to compliment them on their safety and efficiency. No matter if its to talk about your overdraft, loan or just your day to day banking have found them to be far above the rest I have banked with. I have always been able to talk to someone from customer services within 2 minutes of making a call. Their online safety and the double and in some cases triple checks they do let's me know my money is safe. If you are a customer of over 5 years and you keep your account in a decent margin then the offers your eligible for are fantastic and generally at better rates than their competitor's. Am not an employee am a self employed bricklayer and even when things were tough they were so helpful and undemanding. They do have a high criteria if you want any of their other services but I like that as from the the crash of 2008 when their RBS company was on the brink, they were the only bank who actually would sit down and talk and find a way of working through any financial problems I had. Never really got to grips with banking but when you can actually talk to someone and they understand your predicament and act fair and honest then you really can't go wrong. Good bank and 7 of my friends have now switched to natwest. Reviewed on: 14th June 2021

Amazing

Honest and hardworking and fantastic great Reviewed on: 9th April 2021

Clunky, outdated terms

Options to review rates and possible top up payments and early payment fees are not good Reviewed on: 21st March 2021

Friendly and professional services

I have multiple products with Natwest and love their app. It allows me to control the accounts in one place and make my payments easily. I would highly recommend them Reviewed on: 17th February 2021

Lifetime

I’ve been with NatWest a good 15 years with zero problems and a very friendly accomplished professional bank Reviewed on: 15th February 2021

NatWest Bank - Disgrace, shame on you, excuse for a bank.

NatWest Bank - Disgrace, shame on you, excuse for a bank. Taking my business elsewhere ! Treating new potential customers like rubbish ! My account application was denied. I submitted ALL required documents, including id, proof of address, bank statement from another UK bank. My application went through and yesterday I even got a confirmation that my account is approved and card is on its way. Today however I got another follow emailsaying my application was declined giving no reasons but general quote of credit check. I didn't apply for a credit account or credit card but a debit account and debit card, so I don't see how any of that has an impact on opening an account. Reviewed on: 10th September 2020

Loan refusal

I was told to apply online for a loan due to covid. I did. I was rejected with no reason. Excellent credit rating, no debts, good history, decent income, mortgage etc... I called customer service the very next day looking for some answers. I was offered a loan right away at higher Apr than expected even tough the application said I can't apply for 28 days after refusal. This is financial entrapment. They loan rejections goes on my credit history and affects any future loans if I approach other lenders. After multiple phone calls and emails I got nowhere. They won't tell me why was I rejected. Reviewed on: 25th August 2020

Easy to apply and good rates.

Natwest can be hard to get hold of if you have a problem or questions. Reviewed on: 10th July 2020

The best service I've ever experienced

I took out a consolation loan of £15k. We've banked with NatWest for many years so it was always our intention to approach them first before we went elsewhere. The loan was approved pretty much straight away and the money was in our account within 3 days. It's been necessary to speak to NatWest about my loan repayments twice and each time the customer service has been exceptional. We asked for a repayment freeze for 3 months at the start of the pandemic due to my husband being self employed and not earning since march. Again, they were brilliant and nothing was too much trouble. Wouldn't hesitate to recommend them to anyone. Reviewed on: 8th July 2020

Quick and Easy Loan

Fast to apply online. Can log in and get offer and loan rate within a few minutes. Sign online and the money was in my bank account within 2 days Reviewed on: 3rd May 2020

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