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NatWest: Personal Loan reviews

Name: Personal Loan
Rating: 4.54 (155 reviews)

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4.54

Based on 155 reviews, last reviewed 12th Jun 2026

33% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

75%

14%

Latest highest rating:

5

Easy application Easy application, fair Apr and extremely quick to deposit money once approved Reviewed on: 12th June 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 (155)

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

Online banking nightmare

It was easy to set up the loan, and it was quick and effortless. The problem has been trying to get help with a deferral on payment as their android Cora is useless as is the info on their online site. Reviewed on: 29th April 2020

Good

Good experience. Form was easy to fill out Reviewed on: 9th February 2020

Fast and easy to apply

Easy to apply for Fast acceptance Money in account within the hour Good repayment rates Reviewed on: 2nd February 2020

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