Natwest

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Company Information

  • Company Name :
    Natwest
  • Website Address :
  • FCA IP :
  • Business address :
    135 Bishopsgate, London EC2M 3UR
  • Phone number :
    None

NatWest (Natwest.com) is the UK’s largest commercial and retail bank, and a major provider of a range of financial services, including current accounts, savings, mortgages and loans.

NatWest’s Personal Loan is designed to help its customers solve any number of financial problems. The loan is available for existing NatWest current account holders who are over the age of 18, and offers flexible repayment plans to help customers meet their financial needs. There are no regulations on what you can use the loan for, and customers can apply for a maximum of £25,000 at a time.

For loans of £1,000 to £14,950, customers can repay over a maximum of five years. For higher loans of up to £25,000, customers can take up to seven years to repay. The minimum loan term is one year, no matter how much you take out. The interest rates vary depending on the amount of money you need, how long you want to take to repay, and on your personal financial circumstances. Your interest rate will be determined when you submit an application for a loan. NatWest’s website provides a useful loan calculator tool, where you can calculate how much your loan will cost over a period of time.

NatWest also provides a personal loan for home improvement. Home improvement loans that exceed £2,500 can be repaid over a maximum of ten years, giving customers plenty of time to repay the debt while they increase the value of their home.

If a NatWest customer decides to apply for a personal loan, they can do so quickly online. A quote can be received within five minutes, followed by an instant decision from the bank. If your application for a personal loan is successful, you could receive the money in your current account the next working day. Once you have your loan, you can manage the funds online through your internet banking.

228 Reviews of Natwest

I’m really happy with NatWest and the loans service that they provide. I’ve been banking with them for years and they’ve never been anything but great, from setting up my current account to taking out a mortgage and loans at various points.This year I wanted to make some general improvements to my house- nothing major just some roofing improvements and changes in my garden. I knew this would set me back a bit, so I thought it would make more sense to take out a loan from the bank to help me out and then pay it back gradually over time. I don’t have a massive amount of money sitting around in my account so I couldn’t spare the whole lot at once, but I could definitely afford to pay it back bit by bit.I have a decent credit history so I assumed getting a loan wouldn’t be a major problem, but I thought it would be a bit of a faff and involve a lot of form-filling and meetings at the bank. I was pleasantly surprised by how easy NatWest make it to take out a personal loan. I just went on my online banking and had a look at the loans information on the website, and then filled in the information to get a quote. I had my quote within minutes and decided to go through with it and see if I would be accepted- and I was!The money was in my account the next day and I was ready to begin my improvements. I have up to ten years to pay it back which should be easy enough, and I can now increase the value of my home without having to spend a fortune upfront.Thanks to NatWest for a great service as usual, and especially for setting up such a good website. I’ll definitely be using them again in the future if the need comes up. Fantastic bank.

Review posted by Bill Radley

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I am a NatWest customer and as I was wanting a home improvement loan, I chose to go with NatWest for the simple reason that they allow you to take it out over a longer period of time than most banks, and I knew in that time my house would appreciate. I was borrowing £15,000 and wanted to do it over 10 years. I thought there might be a problem with this but there were absolutely no issues at all. My credit rating is good, so that must have been a help. But I’m pretty sure anyone would find the process straightforward. All you had to do is fill in an application form online. You get a quote within five minutes, and the bank’s decision straight away after that. The money was in my account the next day. It couldn’t have been easier. The loan calculator on the website was a big help too. It was good to know in advance how much the repayment and interest would be over the different terms. I did actually end up borrowing less than I thought I would because it fitted my circumstances better. So if you’re a NatWest customer, I’d really recommend NatWest both for their deals and the ease of application. With all the details taken care of and the money in the bank, all I need to do now is spend the money!

Review posted by Samantha Ward

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When it comes to making improvements on your home, there are not that many options to choose from and when you find one, it ends up costing you an arm and a leg to pay the money back. Natwest is one of the few personal loan companies that will allow you to take a loan over £2,500 and pay it over the next ten years. Believe me when I say that that is a blessing in disguise, especially if you have young children in the home - they tend to break the bank some months!I contacted someone at Natwest via email and I got a friendly reply within an hour. I did initially think that it took a while for them to respond, but then I figured that they must be very busy, which they are! I took the consultants advice and applied online for my personal loan. I got a 'YES' very soon aver filling out the application and the money I needed was in my bank account before lunchtime the next day.My wife and I are currently in the process of making our home better, as we are planning on selling in the near future and would like to get the best possible price. Thanks to Natwest, we have been able to get going with the changes. I have already recommended them to a few of my work friends that have the same plans for their futures.

Review posted by Ethan Giles

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Natwest bank offers a good level of customer service, with flexible loans that are fairly easy to get. This is something which all seems very good, that is until you compare the amount you will pay back with them, to the amount you will pay back with another company or bank, like Barclay's.The company offers the flexibility of a loan term that is between 12 and 60 months and offers a competitive loan amount of between £1,000 and £25,000, this all seems very good until you consider that their representative APR is 6.4% which is much higher than the majority of other company's that offer personal loan opportunities on the market and there really aren't any perks that make up for the extra money that you will have to repay over the course of your loan.The interest rates are not that bad when you move towards the lower amounts that are needed to be paid off over the course of the loan. However, if you loan a substantial amount, for example an amount which is over or equal to £7,500, then you will end up paying a lot more money than you would have to with somebody else and there really aren't any clear benefits. In fact, it may take longer to receive the money and the loan may even be harder to obtain than with many other banks.

Review posted by Hayden Whittaker

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I hold a current account with NatWest and already have an outstanding loan account with the bank, which I took out about three years ago for a sum of £3,000. I needed to apply for an additional loan to help me buy a new car and wondered if the bank would be able to help me. I was a little reluctant to apply to them as I did feel the fact I already had an outstanding loan account with them would be a negative factor in the application process.When I was paying some money into my account a couple of days ago I took time to speak to one of the customer service agents in the branch about my loan requirement. She assured me that the fact I already had a loan would not impact on any further loan application I made and she encouraged me to put in another loan application there and then. We went into a private office and she helped me complete the loan application, luckily it was fairly simple because I was already a Nat West customer.During the loan application process it was explained to me that the cheapest option I could go for would be to apply for a larger amount than required and pay my existing loan off with the remaining balance. Finally, I decided to borrow £10,000 over a five year period at an interest rate of 4.9%APR. This interest rate is lower than the amount I am paying on my current loan, so I feel it is a win win situation all round.When the funds are transferred into my bank account tomorrow I will immediately settle the balance of my existing loan account and should be left with over £8,000 to pay towards my new car.I'm really happy with the service I received from NatWest. They helped me make the best decision and I'm pleased with the bank loan I've taken out. I don't think I could have got a better deal anywhere! I will definitely not hesitate to approach NatWest in future if I have borrowing needs as I don't need to bother going through long winded application processes with NatWest or jump through hoops to prove my identity.

Review posted by Jennifer Brown

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NatWest offer the same 6.4% APR representative rate as Ulster Bank for loans of £1,000 to £25,000. Loans can be taken over a period of 12 to 60 months. Like RBS, Natwest were fined £14.5 million in August for misleading information given to customers over mortgage advice. Thus, caution should be applied if you do decide to consider taken a loan from NatWest, as advice may need listening to rigorously and small print reading carefully. Nevertheless, Natwest have a strong presence within the loan market and do advertise regularly across a range of platforms in order to entice new and existing customers. If you were to take out a £7,500 loan with Natwest over the course of 5 years, then monthly repayments would equate to £145.76 and the final amount payable would be £8,745.60. Customers should also consider the fact that the amount payable is significantly more in comparison to other online/high street lenders when looking at the same amount borrowed. NatWest's customer service has been heralded as absolutely superb on various websites. The staff within NatWest branches are often said to go above and beyond what is needed in order to tailor services specifically to the individual. NatWest have gone a long way to extinguish the memory of their recent fine for irregularities, as their general write-ups for loan services are exemplary.

Review posted by Cerys Bray

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having had an account with NatWest in the past with no issues, they struck me as a good choice when looking at loans. The only reason I left their personal banking is that my boyfriends Mum works for another bank and gets me great rates etc.I wanted a loan so that we could go on holiday and as well as the rates being great, it mean I didn't have to apply with my bank and have her know all my business. Being someone that doesn't like to apply online as I don't think it gets things done, I was really shocked to be accepted straight away and have my money in my account two days later.I was told by a friend actually with Natwest it is near enough instant if you bank with them, but there was no major rush for it. I am so impressed with their service I am definitely thinking of opening another current account with them as well, as you never know what may happen in the future. although I didn't get accepted for the representative rate, I think it's rare that you do anywhere unless you have an absolutely immaculate credit rating, and the rate I got was really good anyway.

Review posted by Aimee Bowen

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I went with Natwest as they are the biggest and most trusted provider in the UK for financial services. I already had a bank account with them, so I was able to get some discounts on other products when I applied for my loan. I got a flexible repayment plan with an APR of 6.4% and I have to pay back my loan over a period of 10 years.We decided to get one of their Home Improvement loans, which has a very reasonable longer repayment period that is ideal for those who are considering keeping their home for a longer period of time. In our case, we buy and then rent homes, so this is extremely ideal to get started with your home flipping business.We got our quote on-line and the decision was made within a few hours, because we have a great credit record. They needed a couple of additional documents from us to get the process going, but I had no issues scanning them and sending them through. The money was there in our bank account the next afternoon and we could go and get the materials and pay for the labour straight away.Overall a very happy customer! Thank you, Natwest.

Review posted by Isabella Dobson

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My very poor credit history had made me lose hope of ever getting a loan. I didn't have any score and, therefore, banks I approached turned down my loan requests. However, as my financial woes piled up, I decided to try my luck at Natwest. I have to admit I wasn't expecting anything positive from them. After enduring loan rejection after rejection from different banks, I didn't expect a different response. After filling the forms, I was surprised, almost shocked, when they told me they could give me a loan. I cannot describe my excitement. True to their word, the money was in my account two hours later. Two months after getting the loan I got a better job that paid twice the salary I had been receiving. This made my repayment even simpler and greatly eased my financial troubles. Since then, I have also made Natwest my primary bank. It helped me in time of my greatest financial need and banking with them is a way of giving them my 'thank you'. Apart from availing loans even to people with very poor credit history like me, their customer service is also great: courteous and very friendly. In addition, their interest rates are lower than those of many other banks. I would recommend it to anyone anytime.

Review posted by Harvey Little

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Last to make it in this list is Natwest, but this fact does not mean it is a bad option; it is one of the best in the UK. Natwest is among the largest banks in the UK and that is enough reason to tell you that their experience in personal loans and quality service are unquestionable. It has a range of products available to its clients and one of these products is personal loans.This loan has no regulations on what you can do with it and has a representative APR of 6.4%. The actual rate you will get will depend on your credit worth, the amount and the repayment period you choose in your application. There is a loan calculator tool on Natwest’s website which you can use to calculate the rate and amount you can apply for your loan.Natwest personal loans range from £1,000 to £25,000, payable in a period of up to 7 years depending on the amount you take. For the loans between £1,000 and £14,950, the maximum repayment period is 5 years while those between £14,951 and £25,000 is up to 7 years. There is a special offer for home improvement personal loans which exceed £2,500, which can have up to 10 years repayment period.Any person who is UK resident can apply for this loan if he or she is above 18 years of age. The online application, which is very busy, also has the shortest quote waiting period of just 5 minutes and instant decision. If your application is approved, the money will be in your current Natwest account on the next business day. Getting your loan in just a single day is really good news and a financial service which brings satisfaction to the clients in time of need, making Natwest personal loans one of the best.The reason you have for applying for a personal loan will determine which financier you choose. The period of repayment and the rate applicable also guides you to go for the suitable provider. If you are looking for an early repayment without penalties or a repayment holiday, you will have to choose a lender who has those options.

Review posted by Charlie Sheppard

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I was faced with an expensive bill for some roof-repair work recently. It was an unexpected expense and one that I didn't readily have the funds for. As I already bank with Natwest, I figured that it would be a simple process to take out one of their loans in order to pay the bill. I was eager to get the loan repaid as quickly as possible so the minimum term of 12 months seemed fair. Some other lenders has a minimum of 2 years.The convenience is what did it for me though. I went into the branch to handle the application. It's just a short walk from my house and it's nice to deal with people face-to-face. The meeting was stress free and amiable. My accounts are healthy and I am a long-standing customer. I was aware that the rates quoted are rarely what you get, as they are subject to circumstance. I did however get a great rate. Better than what I expected.I made my final payment two days ago and felt compelled to leave a review. Some people have a negative perception of banks and other money lenders. That can be justified at times, but my experience was great and I wouldn't try to deter anyone from seeking the same financial help.

Review posted by Maddison Patel

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I have held a current account with Natwest for around five years now and during that time I've been more than happy with their deals and services, so when I needed a personal loan I looked no further than them. After reviewing the general terms and figures surrounding their personal loan offering I decided to jump straight in and steam ahead.Maybe it's just me but I found some aspects of the application process a little confusing, particularly surrounding the APR, I thought I was applying for a loan with an interest rate of the advertised ...%, when the quote showed something higher it did throw me a little, the website and its navigation wasn't completely intuitive to me, there was a too much information to take in at once.I realised that maybe I had got my wires crossed in terms of the APR and the rate that they offered me was still reasonably good, however I still think it could have been clearer. I can't help but think if I was a first time customer to Natwest it may have put me off.After this initial hiccup though I did take them up on their offer though and I was genuinely happy with the overall outcome. Once Id received my 'quick quote' I was able to apply with ease and as I was signed into my existing Natwest online account the process was much quicker than I'd anticipated. Once I clicked submit the confirmation came through within a matter of minutes, now that more like the Natwest I know! Undoubtedly though the best aspect of the loan was the ability to have the funds into my account the next working day, which was very convenient

Review posted by Edward Brookes

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NatWest provides personal loans for everything from going on holiday with your family to purchasing a new car. If you are interested in debt consolidation, they can also help. NatWest is one of the banks in the UK that make it possible for consumers to apply for loans online. This saves you time and money. With NatWest, you can borrow enough money to meet your goals and are not compelled to borrow more than you need. Their loans range between £1,000 and £25,000. All consumers who are interested in getting financing through NatWest can get a personalised quote. This will not have a negative impact on their credit rating. You will also find out within minutes when your loan is approved. NatWest's rate on loans is 4.9% APR. This is one of the lowest personal loan rates that residents of the United Kingdom can get. Customer service is one of the areas that NatWest needs to improve on. While they give bad credit loans, if your credit rating is extremely poor, you may not get a loan. NatWest is rated average for their customer service. However, they are one of the best banks to get a personal loan from because their interest rates are good. They approve loans quickly and they offer up to seven years to pay back loans.

Review posted by Madison Robson

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When my car's engine went and I found out it would cost me more to fix it than what the car was actually worth I began searching for a way to find some cash to get myself back onto the road. With so many places to get personal loans nowadays I was way in over my head really. Thankfully, I read through numerous reviews about other peoples experience with various companies, and then after weighing up the options for myself I eventually decided to apply for a loan at Natwest. Applying for a loan couldn't have been easier to be honest and my loan application was accepted much quicker than I anticipated also. I couldn't have been happier with the service. It allowed me to select the exact amount I wanted to borrow and the amount of months I wished to make repayments, whilst also showing me the exact amount I would have to repay per month. Nice, clear, to the point with no hidden extras which I love. I know that I have gone on praising Natwest for their services but I'm just happy to be back on the road again! And the help from Natwest has allowed me to achieve this. What more can I say about my personal loan experience with Natwest? I guess that I would definitely recommend them to anyone looking for a no hassle way to get a quick personal loan.

Review posted by Harvey Davison

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Natwest remain a firm favourite for many as they are a high street name, with a strong reputation behind them. Customers are potentially able to have funds in their account the next day; this sets Natwest apart from many others when money is needed in an emergency. Additionally, despite them being known for offering a maximum term of 60 months, exisiting customers of the bank have been able to negotiate loans with a repayment term of up to ten years; this is perfect for those who need a high value cash injection but want lower, affordable monthly payments. The bank's typical APR is 6.4%; not the most competitive, but with this you have a dedicated personal banker, and whilst it might not be the same person for the entire loan, this means you can effectively pick up the phone any time of the day or night, and speak to a real person about your loan; whether it's to pay it off early, or to try and extend the repayment term, renegotiate monthly payments or just enquire about how much you have left to pay. This personal touch really does give Natwest a competitive edge. Customers have also received generous discounts on other Natwest products as a direct result of having a loan with the bank; this has included mortgages, home insurance and other essential financial products which may not be affordable otherwise. Sometimes it is better to simply go with someone who has a well deserved reputation, and if that is going to be anyone, it may as well be Natwest; being able to walk into a branch is just one of the ways that you can apply for a loan with them, and even this seems to be a rarer feature with many financial institutions.

Review posted by Georgina Bartlett

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I am Augusta; I approached Natwest once for personal loan, and I discovered that they are not different from other providers I have approached before for the same loan. They do not do anything different or better than most other banks. I approached the bank and other banks last year when I was looking for my mortgage financier. I was thinking that I would get something different from the bank. I found that they demand almost the same APR with most other banks at a rate of 6.4%. Moreover, I found out that I would not get the loan as fast as I had wanted it, as they would still subject me to the same process that could about a week before the money will enter to my bank account. I appreciate the fact that they have a formidable customer care. The customer care is about the same value I get from my bank and other banks I have visited for this urgent loan.Because I did not find anything exceptional from their services, I had to return to my bank for the loan as I there is nothing I will gain or lose if I had accepted the terms offered by Natwest. This does not mean that their rate is not good, as a matter fact, they offer one of the best rates you can get in the industry. You will get a quote from them and fill their online form. You get the loan from them once you are approved. The APR depends on your credit rating. The payment period could be spread for seven years, which to me is a nice offer. 

Review posted by Augusta

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NatWest, in my opinion, is really good for small loans. I was told by my friends that they had a very strict criteria for application. I still went ahead and applied for £1.500 for some furniture I needed for my new flat. I got approved.I was an existing customer, called in, went into the branch and arranged everything within an hour. The advisor at the bank checked my ID, looked at my account, and told me that I was accepted at the normal rate. She also said that the bank could offer me more: up to 3.000 pounds. I took the offer, as my car needed changing soon, anyway. My interest rate for the new loan was much lower, and for a little extra I got more money in the bank. The amount was transferred in two days. I would like to thank the branch staff at NatWest for going the extra mile and making sure I took advantage of the offer. I believe that people working in the bank are among the best and they know all about loans. I have had the loan for four months now, and no complications whatsoever. I have fixed repayments, and they go off the account by direct debit. I was also asked for a date when I wanted to pay each month, which is very convenient, as I set it up just after payday.

Review posted by Rosie Doyle

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With the last floods in my region the laminate flooring got totally destroyed, together with my fridge and stove. Needed to be replaced, but my financial situation didn't allow me.Well, worries are over. An easy quote from my bank showed me that a lot was possible, even in my private situation. Single, one income and not the highest wage I say. Still I'd thought to make a fair chance getting a loan which appeared to be right.NatWest, my bank since it is my parents bank as well informed me after a brief asset what was possible. Quite satisfied I filled in the online application form and found out that despite what people told me the APR was more than reasonable, resulting in a £2500 loan. Keep up the good work, Natwest!

Review posted by Jack Flemming

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The house I live in is old. So is the kitchen which is constructed on a very strange location, between the toilet and the hallway. Not very efficient, which made me start thinking what I could do about it. This took me months, really.This summer, when my brother stayed with us brought the solution. In a discussion how to create extra room for the occasion when he came again, we decided to construct a new kitchen on the location where the veranda is now, using the room where the kitchen is as a extra bedroom. Problem solved.We, my wife and I are both with Natwest Bank already for ages. Maybe its not the cheapest bank but that didn't bother us as we never opted for things like loans or such.Well, good we never changed. NatWest Bank offered us a loan to be paid back over a period of 10 years to be used for home improvement which covers our plan.Now the construction is on its way I can say we didn't regret our plan, neither the choice to use our own bank for the purpose. Applying is easy and in a couple of minutes you know what's possible. For the rest no complaints or remarks. Well done.

Review posted by Spencer McGregor

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My review of Natwest is an honest one. Recently i applied with Natwest for a personal loan i was looking to borrow £4000 to get my second boob job and needs cash to cover this an my medical costs while i heal in hospital. With my online application,yes it was easy and Natwest they may make one or two small mistakes but the staff and people on phones are so friendly. An when i called them up they were willing to help get everything sorted out. There staff are willing do anything go help you i feel very conftable and safe with Natwest as a company

Review posted by Jonathan

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Have used Natwest for around ten years, since I was a student and stayed with them ever since. I have always found them to provide me with a reliable and easy to use service. I find their rates very competitive on my P.loan and customer service is excellent when taken dealing with my application.Online banking could be a little tidier set up, but being able to use the service twenty four seven, and they have a online messenger option to chat with customer trained advisers is a massive bonus and a good service to have.Happy customer with Natwest

Review posted by Dan Miller

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I changed my bank account to Natwest 9 months ago and never regretted it. They were brilliant when I was a student in terms no interest overdraft, etc. Everything was done for me after filling out a few forms at my local branch. It took around 3 weeks and all was done, monthly bill payments,my monthly wage and monthly out goings were all in my new account with Natwest.If I've ever had any problems, they have always sorted it out straight away in every branch I've been to the staff are really helpful. Natwest are understanding to there customer , this is the impression i have always got when dealing with them. Since tranfering over to nat west on my bank accounts i am in the process of my personal loan application and the paper work was finalized yesterday and waiting on my funds now. This will be used to pay my old Overdraft at my old bank.

Review posted by Ben Prudent

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My girlfriend got me a dog for my 21 birthday. We have a tiny apartment and she promised to help me with the dog costs, but didnt stay true to this. Vaccinations and the micro chip and to have a dog fixed it all cost money and having an french bull dog puppy she likes to eat alot of food. An recently as i found out she likes to eat the sofa when i am at work. i applied for £1300 to get a new sofa bed and pay everything for the dog. Natwest APR was high but this was more or less the same any where i had looked over 1 year personal loan was around 22%. Not a cheap way of borrowing, however in saying this the loan was over 12 months and the repayments were cheap and easy for me to afford each month. It was important to me to get this old sorted for the dog so i went ahead with the loan. I applied online and went into the branch to sign for this and had the money the same day i signed.

Review posted by Ali

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I have done banking with three other banks , i shall not name and shame but i have now since closed all of them except my Natwest accounts. They provide the best customer service. There was few issues with my debit card at pay at a petrol station pump and when speaking to customer service i was promised this wouldnt happen again and it has not. The online banking is great and I feel more secure with Natwest online than i have done with any other they other banks online sysrem. Login is secure and a lot of security setups, money transfer, paying bills, online statements everything is great. I can keep and eye on all my accounts and manage them in my own time. Also i can keep an eye on my loan account and make sure all payments have went threw.Customer service always close to your hands via the online chat and this is the best service in my option that natwest offer!

Review posted by Emma Wunderkind

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I sent an online message to my local branch in edinburgh and asked to make an appoitment. I was contacted with a number of dates and times avaible to me, this is good but non suited me.I ended up taken the time and doing the whole application myself online. It was simple and easy to do i just done everything i was told and filled in all boxed that needed to be filled in. I reply was automatic and this is also good. But the paper work being sent out and then the time to get this sent back to them and waiting on the money is a pain. Wish they were not advisers available at the bank as this could have been done a lot fast.

Review posted by Andrea Andrews

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I would like admitt that i am surprised and happy to be a new customer with Natwest. I applied for a loan online for my new car and everything was done pretty fast and i waited on the paper work. Waited and waited and waited nearly 2 weeks and chasing this up was the hardest thing to do. Go figure. I think there are worse banks out there and would like to Thank Natwest for not upsetting me anymore, and doing the right thing. I appreciate that very much, my nerves could take no more with the loan process. The only problem i have ever had with natwest in 8 years of banking with them, but they put it right it just took some time.

Review posted by Speedy

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Satisfied as a customer that i have been with Nat West for over five years now and have had good service so far. Along the way there has been a few problems here and there but nothing that wouldn't happen elsewhere. I have opened a loan account recently and I felt the lady went threw this with me went out of her way to sort everything out and take care of me, i felt like a loyal customer. Over the years i have enjoyed alot of customer benefits with Nat West and i hope this continues as i now have more products with this company.

Review posted by Jo Miller

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After seeing an advert for NatWest when i was looking to borrow money to make some changes in my life i gave them i called. I felt comfortable speaking with NatWest about my financial situation and what changes i was looking to my personal life and just to see if they could help. Osman was the gentleman i spoke with who said he could give me an no obligations quote that would not effect my credit scoring. I took all the information Osman gave me and i went away to have a think about this. I went into the branch that same weekend to apply for the loan and no one could help me. There was no staff available who told me i would then need to call up. I could also not find Osman again to speak to so i decided to apply online instead of trying to chase someone i could trust to speak with. Everything was then taken care off online. In future i would like to see the branch have more facilities as it is nice to see them open on a Saturday but limited staff, why be open at all.

Review posted by Miss S Swan

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I have been a customer with NatWest for little over five years now. I have always been happy with the service as they have always been ok when dealing with me. An if they can not help me always passed me to someone who can. There service is what you would expect from a bank. In saying this is was very impress with there lending service. I could not believe how fast this was to complete. Being a customer i just logged into online banking and applied for a personal loan. I entered the amount i wanted and how long for, i done a quick online calculation then clicked apply. Shortly after everything was submitted i was told i had been accepted. I then got a few email confirmations and to my surprise the money was in my account the next day. less than 23 hours after i applied i had the funds. Very impressed with NatWest

Review posted by Miss Christmas

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I have a couple of bank accounts with different banks but omly one loan account, with Natwest. I was originally looking to transfer my bank account to natwest as well as my loan but the time process in doing this was far to long. I applied to open an bank account with a normal debit card as well as a loan for my new BMW. The loan was approved and funds were in my account with RBS , took around 7 days more or less. The bank account however i was told would take a further 2 weeks after dealing with opening the loan. I canceled this. And kept my account with RBS. I sent my payments from RBS to pay my loan. I would maybe try again in future if there was a faster way than 3 or 4 weeks to get my bank account transferred over. Maybe this will be faster in future and i can do this.

Review posted by Lee Mitchell

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I like the new improvements to the NatWest Website. I took out my accounts last year with NatWest and just got around to setting up online banking and actually using it. I took out my small loan with NatWest when i had a problem with the pipes in my bathroom and had to get an emergency plummer into fix this. I borrowed £1,200 at the time and paid this off in the 12 months as promised. There is no issues with this easy to take out and monthly payments were automatic. The loan is now closed and i still have a current account that i use with NatWest. I would like to say Thanks to NatWest for helping me at the time.

Review posted by Elisa

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I have been locked out of the online site for 3 days now and the help desk have taken a long time to get this fixed. I applied for a loan with NatWest online and there was a number of error messages poped up. I then send a message asking them to contact me to let me know what happened with the application. I needed to threw all of my information again with a customer service representative and then set up security. They did help me active my online banking again but this took days of chasing up. When the application was accepted it was the same representative in applying that contacted me to let me know i was accepted. The APR rate was not as advertised but was still under 6 % so i was happy to go ahead with the application. I decided to go fill out the documentation threw the post so i had a copy of everything and this was arranged for me. I am not waiting for the funds to be transferred into my bank account.

Review posted by Mr A Hiltop

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  • Ease Of Use
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I am a Personal Loan customer with NatWest. At the Time when i was looking to borrow 10 k to buy my twins there first cars after passing there driving tests. My own bank refused me at the time and i had to look else where. Natwest helped me and i was accepted and was really easy to do. I have never had to contact Natwest as the payments are taken care off automatically. It is a customer friendly easy to user service. I have recently received an email to let me know my personal loan is coming to and end and the final payment due date. Thank you for keeping me informed.

Review posted by Mrs G Logan

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I needed a loan to help pay for part of my daughter’s wedding. So I simply searched for a personal loan online and found many different options. I applied through the website and received a call from a Natwest call center about 2 hours after confirming my details for the loan application.I was told on the phone how the loan process operated, and the credit checks that would be done and was i happy to proceed with the loan.I also read the terms carefully before I applied so could see clearly what Natwest would charge me monthly. I was not too fused about paying the APR rate i was offered and with this in my mind I was happy with the whole loan application.So I went ahead with everything and the next day I had a appointment at the closest branch to me to sign the paper work and get the money rolling into my bank account.I naturally took the best repayment option for myself and the fastest time scale to pay this back in that i could afford.Its impossible for me to say anything bad or negative about NatWest as they have been absolutely fantastic in helping me.I highly recommend NatWest!

Review posted by Mrs McGowan

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Nat West have done everything there website has promised when it comes to dealing with myself.I applied online and like it said there was no cost in applying for a personal loan, no set up charges and no cost for a credit check / back ground check.There was no cost for documentation to be sent to me or even returned to them. There was all handled in around 6 days. I was very impressed with the past service. From the Monday i called, untill the following monday i had the cash in my bank account. I though this would have taken longer as my bank account is not with nat west but it was very fast transaction. I could not have asked for a better service.

Review posted by Jillian Hopkins

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I was a bit skeptical at first when using NatWest but my paperwork did come through and so did the loan so i am a happy customer.I did not have an account with Natwest when i applied last year. I remember it took a few weeks to organise everything but i had never missed a payment or had any problems with my loan. So this i am happy with.I have since contacted Natwest to look in to what other options and accounts they have as i am looking to transfer my services to them. I still have another 16 months left on my loan so i will be with them longer makes more scene to have my other accounts with them too.

Review posted by Kevin Forrest

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Me and my family had a building misfortune this summer when undergoing home reservations left us with 3 k in unexpected bills to be paid. This was not something we had budgeted for. I did not had a credit card myself and my wife's was close to the limit, she did offer to put as much as she could on her card but this would not help having max'ed limits. I contacted Natwest , as i have had an account when them since i was a boy. I am glad to inform you that Natwest helps me and my family with a short term loan. I borrowed a little over the 3 k i needed over 12 months. Natwest really helped me out!

Review posted by Mr Douglas Gable

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Having applied online for a personal loan with Natwest and getting an automated message from them that someone would contact me. I was slightly shocked to see this company texts me and informs me that i need to ring them up. Having doing so it was outside of business hours when i got the messages so i was a little confused as to why i got a txt message. I had to wait until the following day to give them a call and by then i got an email to let me know i was accepted. I stayed on the phone to speak with Susan who told me what to expect next and when to expect the money. Natwest are a lender who is happy to lend you the loan amount you have applied for and that your loan will be in your account within 3 to 5 working days. The did stick to this when providing me with a loan.

Review posted by Marcus

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My Personal Loan is about the be finalized int he next few days i have just sent my final payment early from my HSBC account. I would like to thank Natwest for contacting me to remind me my loan was coming to an end and given me the option to pay this off early. I did take advantage of this and called up to make a debit card payment. Natwest have been always been there to help when i have needed to in the past and i hope if i ever need to borrow money again they will be there to help me in the future.

Review posted by Miss V Hogan

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Although we bank with NatWest we still took the time to check out other loan options on the comparison website before making our final choice. It weren't 100% sure we would be approved a personal loan with NatWest and so we wanted a back up plan so to speak.However we needn't have been so worried because when we explained what we wanted the personal loan for NatWest were more than willing to approve our loan. They were careful to set up a repayment schedule that would not compromise our day to day spending and we were very grateful for that as the last thing we wanted was to be struggling with the repayments.I suppose if we weren't existing customers of NatWest we would have had to look elsewhere for a similar loan but we are happy that we didn't have to go too far afield and that we have a personal loan ideally suited to our needs.

Review posted by Jenny Logan

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I have been banking with NatWest since leaving school and getting my first job way back in the 80's and in general I have been very satisfied with the service I have received over the years. In particular I like the fact that I have built up a good relationship with the staff at my local branch. So when I needed to get a personal loan to pay for my husband and me to visit family in Australia this Christmas I went straight to my local branch and asked their advice first. I know it might sound corny but they really couldn't have been more helpful and I feel the loan I have now been approved by NatWest is just the right one for me regardless of what other loan companies are offering. For me it is not just about the lowest interest rates but the personal touch goes a long way to making you feel you have made the right choice.

Review posted by Sarah Peacock

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NatWest is the first and only bank I have ever had an account with. My family of NatWest Piggies are testament to that. So when I wanted a personal loan to pay for an engagement ring for my girlfriend I went to them first. I have always had a good working relationship with NatWest and never go overdrawn in my current account but I was still very relieved when they approved my loan as I thought my age and salary might go against me.They were very helpful and their advice on how much I could realistically afford to borrow was much appreciated as that guided me on just how much I should be spending on an engagement ring.I'm glad to say I got the loan, got the ring and most importantly, I got a yes from the girlfriend!

Review posted by Dan Myers

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I like to keep my life as simple and straightforward as possible and I'm not very good at juggling too many balls in the air especially when it comes to my finances. So when I was looking for ways to afford my once in a lifetime dream holiday to the Seychelles I ignored all my friends advice to go with one of the usual payday loan companies and instead I went to my bank NatWest who have been a very reliable and understanding bank throughout my time with them. They were able to talk me through all the pros and cons of a personal loan and after discussing my requirements they were able to approve a loan that I am very happy with and it does mean making the repayments are that much easier as I can do it online with the rest of my banking.

Review posted by Felicity Brooker

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My parents opened up my first bank account with NatWest when I was very young and started getting money instead of presents for birthdays and Christmas. At the time I was a bit miffed because I didn't really understand the concept of putting money in a bank and thought I was being cheated out of my money. But now that I am a lot older and much wiser I appreciate the responsible way in which my parents set me on the road to learning all about managing my money properly. It is because of the good relationship I have built with NatWest over the past few years that I decided to go to them when I needed a personal loan. I felt it was the right thing to do and NatWest have rewarded my loyalty with a great deal on a personal loan. I just wanted to say thank you to NatWest for making the whole process as easy and straightforward as possible.

Review posted by Charlie Newton

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I have been banking with NatWest for many years but this is the first time I have taken out a personal loan with them. Apart from my mortgage, I usually like to pay for things up front but my circumstances have changed in the past couple of years and it means I don't have as much disposable income each month.This personal loan is to enable me and my wife to celebrate our 40th wedding anniversary in style and that includes a cruise and a big party with all the family invited. Life can be so uncertain and after we have both come through some health scares recently I wanted to make the most of our time together. NatWest have helped me do that and I will seriously consider taking out another loan with them when this one is paid off.

Review posted by David Weston

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After what seems like an eternity of nagging from my wife I have just applied for a loan with NatWest so that we can get a new kitchen and bathroom installed. I did a quick online check at some of the other loan options available but preferred to go with NatWest because I'm more comfortable doing business with a bank I have come to trust over the years even if their interest rates aren't as competitive as some of the newer loan companies that seem to be springing up all over the place. Maybe it's just an age thing but I am much happier sticking to what I know and NatWest is very familiar to me.

Review posted by Clive Barrow

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After 25 years of marriage I decided my long suffering wife deserved more than our usual week in a caravan holiday, which usually included one or sometimes all 3 of our grandchildren joining us.To coincide with our 25th wedding anniversary I have just applied for a personal loan with NatWest so that I can surprise the wife with an all inclusive holiday to the Maldives. NatWest got to work very quickly and came up with a loan that was suitable for me and got the money into my account within days enabling me to start booking the holiday. I am very excited about telling the wife where we are going and I just hope she doesn't want to bring the grandchildren with us this time!

Review posted by Denis McGhee

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I am getting married next month and up to a few weeks ago it looked as though we might have to postpone things because we had underestimated the cost of everything and the money we had saved was virtually all spent and we still had loads of things to pay for.My parents were offering to help us but my wife to be was adamant that we should raise the money ouselves and so she suggested one or both of us get a personal loan to make up the shortfall.I have banked with NatWest for most of my working life and I was pretty certain I could get the loan we needed and I am glad to say that NatWest came to the rescue with a very competitive loan that has enabled us to get the wedding back on track.

Review posted by Lawrie Jeffries

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All my spare cash each month gets swallowed up by three very demanding teenage daughters which means me and the wife go without a lot of things. My wife doesn't mind and she never moans about the girls because as teenagers go they are quite good at helping out at home. So when I realised a very important wedding anniversary was coming up I decided to get a loan to buy my wife something very special, which was a diamond engagement ring that we never could afford when we were first married.I bank with NatWest and it was easier for me to just deal direct with them at my local branch and so that is what I did and within a week the loan was approved and the money was in my bank account. I quickly went and bought the ring before my wife saw the bank balance and got other ideas as to how to spend it.

Review posted by Michael Wilkes

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When I got married 5 years ago I opened a joint account with my husband, as most couples do, so that we could pay the bills, mortgage etc. but I was reluctant to close my personal account with NatWest because I had been with them since leaving school and they had always served me well with regards to overdraft facilities when I needed them and generally had just been a very understanding bank when I was experiencing the occasional cash flow problem.So when we applied for a personal loan from our joint bank which had also been my husband's bank before we got married I couldn't help but have a little snigger when they refused our loan application. When I suggested we try NatWest and they approved our loan based on my salary and my past history with NatWest it was all I could do not to grin like a Cheshire cat. Thank you NatWest, I knew there was a good reason why I kept my account with you!

Review posted by Fiona Thorne

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I am writing this letter on behalf of my husband who is useless with a keyboard but appears to be much better when it comes to organising surprise birthday parties with the help of a personal loan from NatWest. My 40th birthday was looming and I kept insisting that I didn't want to make a big deal about it but my husband knows me better than that and he organised the trip of a lifetime to New York. When he told me what he had planned I thought he must have robbed a bank to afford it but of course he just used his common sense and asked NatWest for a loan. So on behalf of my husband and his very grateful 40 year old wife we would just like to say a big thank you to NatWest for helping to make my birthday treat possible.

Review posted by Viv Lewis

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When my wife's sister in Canada was diagnosed with cancer we were desperate to get out there to see her and offer her and her family some support. But we had only just got back from a holiday with friends and our bank balance was looking a bit depleted. Because I knew my wife would not be happy until she had seen her sister I decided to get straight on to NatWest for a personal loan and just hoped that they would approve one for me.Well I'm happy to say they did and they were very understanding when we told them what the money was for and I am sure they made an extra effort to process the loan quickly because of that. So thank you NatWest for treating us like human beings and not just another account number.

Review posted by Jack Albright

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Whenever I have applied for loans with the trendy new loan companies that are always advertising on the TV I usually end up saying 'thanks but no thanks' and then I go back to my bank NatWest and let them take over.Even though I know NatWest isn't necessarily the most competitive with regards to interest rates, they are generally still up there with the best ones with regards to the overall loan package and that is just as important to me. So it makes sense to go to them because they have been looking after me for quite a few years and you can't ignore that when you are choosing something as important as a personal loan.

Review posted by Stephen Murgatroyd

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Well thanks to another personal loan from NatWest my wife and I have just seen our youngest daughter get married. I feel sympathy for any one who has three daughters or more all wanting to get married within the space of a couple of years if they aren't rich or don't have the option of getting a personal loan like we did. We had savings to pay for the eldest daughter's wedding but we really were hoping they other two would give us a bit of breathing space before we had to pay for the next one. We did even suggest the younger two had a joint wedding but that didn't go down too well so I just want to thank NatWest for getting us out of a financial problem twice over and I think the next loan will be to pay for the wife and me to go on a well deserved holiday.

Review posted by Glyn Westcar

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How I have managed to survive this long without needing a personal loan is surprising considering how bad I am at managing my money but recently I was offered a opportunity to buy into an online company specialising in custom made jewellery and I just had to get the money from somewhere.My parents advised me to steer clear of payday loan companies and suggested I just approach my own bank for the loan. To my surprise NatWest were absolutely fine about the reason for the loan and before I knew it they had arranged a very competitive loan for the money I needed and also gave some very sound advice about how to manage any profits I hope to make from the business in the not too distant future.

Review posted by Hannah Preston

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Most of my friends have taken out personal loans in the past couple of years, mainly to help pay for their weddings and I wondered if that would ever be the case for me as I was fast approaching 30 and still hadn't found Mr Right.My parents are both retired now and I knew if and when I got married it would be down to me and my future husband to foot the bill.Well this story isn't going the way you might think as I have not applied for a loan with NatWest to pay for my wedding because I still haven't met Mr Right but I am hoping I might do when I am travelling around the world for the next 3 months thanks to my personal loan from NatWest.

Review posted by Lucy Wilkinson

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I am sitting in my living room that up until a few weeks ago was nothing more than a empty, much neglected room that looked as if it was last decorated before I was even born, so we are talking pre 1960's.Thanks to a personal loan from NatWest I was able to pay someone to do a proper makeover for me and whilst it is not quite up to the standards of a certain TV Interior Designer who shall remain nameless, I am absolutely delighted with the results. I actually get excited at the thought of getting home from work each night just so that I can sit and admire my lovely surroundings. The bedroom is the next on my list and fortunately I still have plenty of money leftover from the loan but I think the kitchen and bathroom will have to wait until next year for their turn in which case NatWest will be helping me out again hopefully.

Review posted by Kate Norris

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My mates pull my leg a bit because I have just one credit card to my name which I hardly ever use and I have been with NatWest since I was at school. I have always been very careful with my money because I grew up in a large family and money was always very tight for my parents. I learnt a lot from them because of that and so when I found I needed to borrow some money for the first time in my life I just felt happier going to my bank rather than one of the many online loan companies.My loan with NatWest was just as competitive as other loan companies and I didn't feel I was paying over the top in interest charges. As I said previously, I am always very careful with my money and I wouldn't have taken out the loan with NatWest if there had been a much better option elsewhere.

Review posted by Nat Prescott

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Now that our youngest son has left for university my wife has decided that to avoid falling victim to the 'empty nest' syndrome (her not me I hasten to add) we should do a bit of travelling, especially around Portugal where we have spent many happy summer holidays with the kids when they were younger.We decided to buy a Ford Transit Camper van that we had seen advertised in our local paper and while my wife was on the phone to the person selling it I got straight on to our bank NatWest to see if we could get a personal loan to pay for it. To our delight NatWest approved the loan almost immediately and the owner of the camper van very kindly offered to wait until we got the money so that we could buy it from them at the full asking price of course!

Review posted by Colin Banks

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I needed to have a swimming pool built at our cottage as well as some alterations . I had a look on line, searching for the best possible institution or bank to approach but most give you a maximum of 5 years to repay the loan. As I was looking for £22000, paying over 5 years was too short a time as the instalments would be strenuous. Finally and after a long search I realised that NatWest was the only bank that accepted payments of up to 7 years which suited me. I applied to them and within 5 minutes I had received a quote and the approval followed shortly afterwards. I have no complaints about the way they handled my application and believe them to be professional.

Review posted by Mathew Burrows

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Natwest's flexibility appealed to me. Many banks follow the same trend, offer pretty much the same deal and the inetrest rates vary only slightly, but I saw a big difference with NatWest. The fact that one can borrow for a home loan improvement and pay over up to 10 years is unbelievable, as the repayments can be very low so not to afect one's budget, yet the alterations add value to your home. It is a fair deal and I applied over a 8 year period to renovate our home. The £9000 was well used and I'm grateful for the quick approval of the loan. I recommend them highly.

Review posted by Alfred Whitehead

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It is so convenient to manage our personal loan on line. This is not usually the norm, as I've borrowed twice from other banks and never had this facility. Makes it easier to know eaxctly where you stand at all times. NatWest provides this, which is great. I borrowed £3000 a few months ago and am very satisfied with the way they handled my application and the overall excellent client services. The flexibility is a lot higher than at other banks too, with the option to pay over more years. This was not something that I needed in my case, as I applied for only 3K but for people needing more, this is certainly and added advantage. Good bank!

Review posted by Teresa Peterson

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What a pleasure to deal with a bank like NatWest! It was like searching for a needle in a hay stack, searching for the best possible loan for our home improvement needs. My wife had been nagging me for a new kitchen and bathroom forever, but I just could not afford to pay £7000 over 5 years. We have 4 children and many expenses, and though I earn an average wage, paying this over 5 years would leave us financially stretched out... When I saw that NatWest allow you to pay up to 10 years I was delighted. We applied to them online and requested the loan over 7 years. They suggested we take it over 8 years to ensure we would not strain at all. I thought it was fair for them to guide us that way and as it made sense we accepted. The loan was granted,and the builders are now making my wife's dream come true. Glad I found you NatWest!

Review posted by Brian Green

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I am a divorced mother of 4 and live with my children in a small but very neat house. I have provided for them ever since our divorce with the help of the maintenance that my ex pays me. Obviously I can't afford to give my children luxuries but this year my twin boys turned 14 and I had to give them something extra special. I booked a holiday in Paris for a week, so I could take them to Disneyland. The cost was £3000 and the only way to afford it was by getting a loan. NatWest were excellent as they gave me the loan over 7 years. I know its a long time to be paying a loan but this way the monthly repayment is so low that I can afford it without putting pressure on my boys and I. I was so happy to find a bank that allows you to pay over more than 5 years! Sure helps people like me.

Review posted by Alicia Barnes

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My parents gave my husband and I a small cottage as a wedding present last month. It is a beautiful home with a lovely garden and a nice outlay, but we are not so keen on the bathroom. We decided that a nice jacuzi would be nice as well as a total revamp. For this we needed a loan. We were undecided about which loan company to approach, but my cousin spoke highly of NatWest who she had received a loan from. She was so sure about them being one of the best around that we took her advice and applied with them. The application process was simple and the decision was made quickly after the quote was given. We will be paying the £3000 over 24 months as the interest will be lower this way. We have since checked other banks out and are convinced our decision was the best. Impressed.

Review posted by Patricia Hudson

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My parents gave my husband and I a small cottage as a wedding present last month. It is a beautiful home with a lovely garden and a nice outlay, but we are not so keen on the bathroom. We decided that a nice jacuzi would be nice as well as a total revamp. For this we needed a loan. We were undecided about which loan company to approach, but my cousin spoke highly of NatWest who she had received a loan from. She was so sure about them being one of the best around that we took her advice and applied with them. The application process was simple and the decision We will be paying the £3000 over 24 months as the interest will be lower this way. We have since checked other banks out and are convinced our decision was the best. Impressed. was made quickly after the quote was given.

Review posted by Patricia Hudson

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My husband and I are retired but live with our daughter in her home. We are pensioners and can't complain about our pensions. It allows us to live comfortably and even spoil our daughter ocassionally. We have been wanting to go on a long cruise to the Caribbean for some time now and finally we gathered the courage to go through with our dream. As the cost was high we asked for a loan of £6000 with Natwest, and worked out that if we paid over 5 years we would manage the repayments with ease. Being pensioners we felt that maybe our application would be denied but it was worth trying as we heard that if there was a fair institution it was NatWest. Indeed despite the fact that we are pensioners, I guess they must have checked on us as they gave us the loan. We are going to have a wonderful time. Have fun now and pay later. Thank you NatWest.

Review posted by Mark Schumann

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I was amazed that at NatWest when I applied for a £4000 loan last week they did not even ask me what I needed it for.At other banks which I applied with they always wanted to know what the funds were required for.The only thing they pointed out is that if it were for a home improvement they could consider the repayments over up to 10 years.I thanked them and will remember so in future if I ever need to expand our cottage, but for now the loan was for a family holiday so I borrowed the money over 36 months.The flexibility of this company seems to be a positive part of how they operate, but I must also congratulate their client services for their utter efficiency.After the approval of the loan on a wednesday I received the money on the next day thursday.I wanted to share this information with other people that may be undecided about which institution to apply for a loan from, as NatWest has been a good choice from my point of view.

Review posted by Alex Rhodes

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This has got to be one of the quickest and easiest loans I have ever applied for and been approved. Maybe it was just luck of the draw, but I'd like to think all NatWest customers get the same treatment. After going online to NatWest's website and using their loan calculator tool I immediately applied for the loan because the APR and repayments they were quoting seemed ideal for me.When they approved my loan and said they would be transferring the money within 24 hours I thought they must have made an error, but to my amazement and relief the money was very definitely in my account by the end of the following day and that is what I would call 'textbook' modern day lending and I think a lot of other lenders could use NatWests approach to lending as a good example of how to do business.

Review posted by Den Carty

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Without this loan from NatWest I would have missed out on a fantastic trip to Indonesia with my university pals.Ever since leaving university 4 years ago we all try to get together each year and do a really fun holiday and up to now I have always been able to afford it. But this year has been one expense after another with my new flat and so money was a bit tight.I was determined not to be the first one to break our little chain of holiday meet ups that we had formed and so I went to NatWest for a personal loan. I had looked online at a comparison website but none of them were competitive enough for me to ditch my own bank and go with them.I am really happy with the loan I got from NatWest and hopefully by the time next years holiday is due my finances will be back on track but in the meantime I will just relax and enjoy this time in Indonesia with my pals.

Review posted by Gillian B.

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I have just landed my dream job and a very nice salary increase to go with it. So I decided to make good use of those extra few hundred pounds each month by taking out a personal loan and doing what I had been planning for several months and that was a) change my car to something more suited to my new managerial position and b) propose to my long time girlfriend who has been with me throughout all the ups and downs of my career.The loan NatWest have just approved for me enables me to kill two birds with one stone although I'm sure my girlfriend wouldn't be happy with that term. But I know she is going to love the engagement ring I have just bought for her, and she is already suitable impressed with the new car.

Review posted by Marcus Daley

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I needed to re-roof my home and as it would be expensive I thought obtaining a loan from my bank would be the way to go. I phoned NatWest to see what criteria I would have to meet and was happy to hear that for home improvement loans you could get an extended period of time to pay.I checked out their website after talking to them and also checked the loan calculator to see what the payment and interest rate would be. The numbers ticked all my boxes and I continued with the application on line. It was quick and easy to complete the form and after a short time I received a quote. As I was successful in my application I continued the process and was delighted to find the funds deposited into my account in two days. New roof here we come.

Review posted by Joe Seekon

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My kitchen and bathroom were in need of refurbishing so I decided to apply for a loan with my bank, NatWest, to see what it would cost for the loan amount I had received a quote for. Going on their website was quick and easy and I found the calculator very useful. I could see instantly what the cost per month would be and the interest rate that they would give me. When I plugged in the home improvement part, that gave me an even better deal because it gave me longer to repay.The figures suited my budget so I went ahead and asked them to process my request and send me a quote if I was successful. They did not take too long to get back to me and when I accepted the offer, the money was in the bank the next day, amazing.

Review posted by Margaret Hunt

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After suffering a bit of a '7 year itch' with our current home, rather than move house we decided to give it a bit of a makeover instead. We had started looking at other houses but nothing in our price bracket was appealing to us and we loved the area we were living in, especially our street where we had made some really good friends with our neighbours, so it seemed a better option to just re-modernise.We bank with NatWest and we knew they offered a Home Improvement loan and so I went online to their website to see what we could get. I had worked out roughly how much we would need for the re-modernisation and provided we were approved it with a monthly repayment and loan period that suited me I was going to go for it.Within 10 minutes of being online they had given me a quote and after reading through all the terms and conditions I accepted it. My wife couldn't believe it when I told her that we had the loan because it all happened so quickly.Because it was the weekend we had to wait a couple of days for the money to be transferred to our account. But to be honest we needed those couple of days to get used to the idea that we were going to be able to stay put and just give our home the facelift it needed.The money we will have saved by not moving will make the interest we will be paying on the loan worth it and hopefully by the time the loan is paid off our newly modernised house will be worth a bit more.

Review posted by Alan Wingate

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Without the help of a home improvement loan from NatWest Bank my wife's mother would have had to go into a residential care home.For her to live with us we needed to do several things which amounted to basically creating a ground floor granny annexe, stairs were not something she could manage any more.I did the loan application online after having a brief discussion with our local branch manager and when the quote came through I knew it wouldn't take long for the bank to approve it and begin the process of arranging the loan.Within 5 days of my first call to our local branch I have had the money transferred to my bank account and we can go ahead with the work on the annexe and my wife and I just wanted to express our gratitude to NatWest for their excellent service.

Review posted by Ken

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I had a really stressful and bad experience with a loan company a few years ago and it put me off loan companies for life. I decided if I ever needed to borrow money again I would go to my bank even if it meant paying more in interest rates.So I have just taken out another personal loan but this time with NatWest Bank who I have been with for about 12 years and I am pleased to say that I haven't had to compromise on getting a competitive APR because NatWest are giving me an interest rate which is much lower than most of the online lenders including the one I had the awful experience with which makes me wonder why on earth I didn't go with NatWest in the first place.

Review posted by Maryanne K.

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Its that time of the year. Christmas time, time to receive gifts and time to give them too. My wife insisted we go shopping this weekend as she hates the crowded stores at Xmas time. I did not want to touch our savings so it was wiser to borrow. With so many institutions providing loans, the problem was which one to opt for. I asked my brother if he had any recommendations and he instantly said NatWest. He has borrowed from them apparently on 2 ocassions and had no complaints. I followed his advice and applied on line. The application was simple. I answered all the routine questions re my salary, age, residency status etc and in no time the money was released in my account. I expect all will keep running smoothly provided I dont miss any repayments. So now my wife is in her element. Good work NatWest.

Review posted by Jared Coorah

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My son is a young football player and had to go to a trial in Italy last month. Unfortunately we are not rich, though I hope that changes one day, if he makes it big.... So..we had to borrow money for the trip and hotel. We approached NatWest and applied for £1000, agreeing to repay it over 12 months. The staff were very friendly and helpful and quoted us an acceptable interest rate. They said there were no extra charges and suggested we repay over 12 mths instead of 24 mths, so that the interest would be much lower. I think they were fair and helpful and I thank them. Hope to never need them again.

Review posted by Malcolm Barham

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I knew how much I wanted to borrow and I knew how much I could afford monthly in repayments so I went to my own bank NatWest first to see if they could offer me those terms but, of course, with a competitive APR too..I didn't want to start going through all the loan comparison websites if I could save myself the time and bother by getting the loan with NatWest. Also, I wanted to be able to manage the loan without too much hassle and getting it through NatWest would be the best option for me.Well I am happy to say that I scored 3 out of 3 with my ideal loan thanks to NatWest and so I think that deserves a positive review on their website.

Review posted by Paul Bickley

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When I decided to post this review I wasn't sure what I should say about the personal loan I have just been approved by NatWest.Should I mention that I got a very competitive APR that was as good if not better than most of the other lenders advertising on the comparison website. Or should I say how helpful the staff in my local branch were when I followed up the online application by speaking to them about extending the repayment period that was originally quoted. Maybe the speed at which the loan was processed and the money was in my account should be mentioned.However, I've decided that great as those points are, the most important thing for me is that without this loan I would not be getting married next month and that's why I want to say a massive thank you to NatWest.

Review posted by Chris

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It's nice that we have the convenience of online loan comparison websites at our fingertips to help with the task of finding a competitive loan. But what's even nicer is when you go through all the various lenders websites checking the APRs and t&c"s only to arrive back at your own bank because they end up offering the best deal for your particular needs.I have been banking with NatWest for over 20 years and whilst we have had our ups and downs, so to speak, they have always been able to resolve any issues I have had with them and so I am very pleased that the personal loan I needed to pay for my daughter's wedding is courtesy of NatWest.

Review posted by Simon Ellis

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Getting my personal loan through my own bank wasn't planned. I had spent several hours going through the loan comparison websites on a mission to find the best deal. And I thought I had found it and was just about to make my online application when I decided to run it passed my dad first just to make sure I had chosen the right lender.Phew! is all I can say. If I had just gone ahead with what I thought was a great deal I would have landed myself with a loan that really wasn't right for me. I had been swayed by the apparent low APR which would have resulted in a loan that left me struggling with the monthly repayments.Thanks to my dad's advice and help we went back online and checked out my own bank NatWest again and found that the slightly higher APR wouldn't actually apply to me and I now have a loan with a lower APR than I originally thought and more importantly a monthly repayment that is much more affordable for me.So I just want to say thanks to NatWest and to my dad who never lets me down.

Review posted by Dillon L.

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I am a NatWest customer and have a mortgage with them. We needed to do some remodeling in the home and decided to try for a loan. We had found out that for home improvements you could take longer to pay back the amount you borrowed, so this seemed a less stressful drain on the bank account.We applied on line and used the loan calculator tool, which was very handy as we could alternate the amounts and see what interest rate we could get. We completed the application with the amount we decided to borrow and sat back and waited for the result. We were not disappointed, within a short time, the decision came back and we were very happy with the interest rate and terms they offered. We accepted and the money was in our account within a couple of days.

Review posted by Sandy P.

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I wanted to renew my vehicle and just hated going to dealerships and running the gauntlet of those salesmen. So I decided to try my bank for a personal loan to see what kind of response I would get. It would be better, I thought, to have the cash and just go buy the car I wanted without too much stress.I went on line rather than into the bank and started to fill out the application. I used the calculator to determine what sort of terms I might get, I found this most helpful and it gave me an idea of what repayments I would be looking at. I completed the application with the amount I decided and asked for a quote. They were very speedy and came back with some pleasing figures which I could handle. I accepted their quote and the money was paid into my account the next day.

Review posted by Pam D.

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I was very nervous about taking out a personal loan for such a large amount of money and for me it wasn't just about getting the best interest rate even though I know how much difference a lower APR can make to the overall amount I am paying back. But for me it was what I would be paying back in monthly repayments that was the most important thing. It had to be a really affordable amount otherwise I would not be willing to commit to the loan agreement.Fortunately for me NatWest understood this dilemma of mine and tailored the loan so that I could borrow the money I needed but set out a repayment plan over a period that enabled the monthly amount to be within my capabilities.Unlike some of the other lenders, NatWest's terms and conditions weren't set in stone and they were able to adjust the loan to suit my personal circumstances. That is what I call a proper Personal Loan' and I am very grateful to NatWest for their help in making it possible to borrow the money under these terms.

Review posted by Liz Ellison

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We have just been approved a very competitive loan from Natwest and because my wife and I are so delighted with what that means for us we thought we should take the time to say so in this review.We have been married for 25 years and because of our circumstances of running our own small business we have hardly had a decent holiday in all those years. Our little business is successful enough to make us enough to live comfortably and pay all the bills so we can't complain too much.It was the impending 25th wedding anniversary that prompted us to say let's shut up shop for a fortnight and go on that cruise we have been talking about for ages. And thanks to Natwest who have been our bank for nearly as long as we have been married, that is precisely what we are about to do thanks to this personal loan.Our friends and family have been saying to us for a long time that all work and no play makes Jack a dull boy and we were worried that we were going to prove them right. Instead we are going to bore them rigid with non stop talk about our wonderful cruise.

Review posted by Alan Whitelaw

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The reason why I like to borrow from NatWest( and its not the first time) is because of how quick they are at giving you the quote on line after the application is filled in, followed by the swift decision, which is always music to my ears.This time I urgently needed £1000 for the treatment ogf my best friend, my dog, Mini.I found some lumps on her breats and thought they were tumours, so needed to get her treated at once.I´m 25 years old and therefore am entitled to be granted a loan. My salary is above avaerage and I have a good credit record.The loan was approved and the follwing day it was in my bank account. I was able to go to the vet with my girl and fortunately she did not have tumours but rather an infection.It was good that NatWest lent me the money so quickly as it was to possibly save a life, even if of an animal which is just as important.Thank you NatWest.

Review posted by Carol Mc Donald

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I was glad to see that when I filled in the online application form with NatWes to apply for a £4000 personal loan, they did not enquire as to what I needed the money for. It is meant to be private, in my opinnion and what should matter to banks is if a client can or not afford to meet the repayments. I requested the loan over a 36 month period. I had an idea of what the installments would be but I soon got an exact quote. I accepted it and a few minutes later their positive decision was given. There was no red tape just routine questions. Im pleased that they lent me the money and have every intention of never missing a payment as I dont want my name blacklisted. Good bank. Efficient.

Review posted by Stephen James

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When I needed a loan not so long ago of £12000 for home improvements to our cottage I did not have to sit for hours trying to decide which bank I should apply to, because my sister had gone through all that a few months earlier when she also needed a loan. So, she advised me to apply with NatWest. As they are also a household name I didnt hesitate. The interest rate charged seemed to be within reason and the money could be paid back over up to 10 years if we wanted, as it was for home improvements. We opted for a 7 year loan. NetWest granted it and it was in our bank 48 hours later. Impressed.

Review posted by David Nunes

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My car had been giving me too many mechanical problems and I was paying far too much to my mechanic. I sure did not fancy working to pay for the repairs and still drive an old car.I made the decision to sell it for next to nothing and to upgrade to one that cost me £8000. As I sold it for 1K, I only needed to borrow £7000.I played around with the NetWest calculator trying to see what the most affordable would be.I knew the interest rate went up if I paid it over longer, but by the same token I didnt want to be in a position that I was strughgling to meet the repayments.So I finally settled on 48 months as I could afford that.I apllied, they confirmed the quote, approved it and the following afternoon I was at the stand buying my car.Much rather pay NetWest for something good than the mechanic.Tks NetWest.

Review posted by Daniel Hemingway

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I saw the most beautifull gold chain and earings at my local jeweler. I just couldnt resist to buy myself a present. After all it is almost Xmas, and why not spoil myself for a change? The set was only a little over £1000 so I applied to NetWest for a personal loan. I´m a client of theirs and have never had any financial problems. I pay my bills on time and my credit history is good. They accepted my application and granted me the £1000 in a very quick period of time. If I recall correctly the money was available the following afternoon. This bank has always treated me fairly so I can´t complain. From my experience they worth a try.

Review posted by Marie White

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My daughter and son in law have just moved to Wales and I decided that I would cover the costs of the removal company. Its a well known transporter , so not the cheapest, however because they are reliable we were prepared to pay. The cost was close on £2000, therefore, we didnt want to pay cash. My husband and I decided we should take a quick personal loan over 12 months so that we would not feel it. NetWest was our choice bank as we know that they are trustworthy. The application was straightforward and simple to complete. The loan was given and with no incidents or burocracy. I can recommend them.

Review posted by Sandra Peterson

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Not so long ago I had to take out a personal loan, for all the wrong reasons. Sadly I lost a court case against a neighbour who had insulted me, but due to lack of evidence, she was found not guilty. This set me back £2000 odd and thus I was forced to borrow the money. I applied on line and NatWest calculated then and there what my interest rates would be. I approached them isntead of another company as they came highly recommended. It was an acceptable rate and a quote was sent to me almost instantly upon filling in the application. The cash was credited to my account the following day which allowed me to pay this dreaded bill and put the experience behind me. Glad NatWest was recommended. They were good.

Review posted by Mark Reynolds

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I needed an attorney to help me deal with my divorce. I was astounded that it was such an expensive procedure, specially considering it was agreed mutually. I just could not afford his fees on my salary, so was forced to apply for a £2000 loan and request to pay it back over 24 months. It took me a while to chose the best loan company to approach but in the end, after tiring of comparing everything offered by various, I opted for NatWest. Im glad I did, as they were uncomplicated and quick in their decision. After a few verifications, they approved my loan and deposited the cash, if I recall correctly , the next day. Thank you, I nowhave put an end to 3 miserable years.

Review posted by Monica Peters

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My latest visit to the track , although it was all about fun and excitement, didnt end so well, as I got involved and lost £4000. Lady luck did not smile at me that day. Not wanting my wife to see the money gone out of our current account, I applied for a loan with NatWest as I was told by my mate that they dont ask what we request the money for, which suited me. Their decision to grant me a personal loan was granted and because they credited my account within 48 hours, my adventure went unoticed. Thank you NatWest, you saved my butt and possibly my marriage as my wife feels very strongly about gambling!

Review posted by Robert Hill

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My name John Rhodes and I recently joined an investment Club. The opportunity arose for us members to invest £3000 into a company soon to go public. I was tempted to take a chance and invest, knowing that stocks go up and down, but did feel confident about this company. Due to NatWests policy whereby one doesnt have to disclose what the loan is needed for, I used them, as I am a very private person. The interest rate is not one of the points that bother me, as I feel all institutions vary by small percentages only. I was more concerned with the speed at which the loan would be approved and the cash provided. It was quick so I am very glad I chose them. I have received the shares and they have already started to rise. Hurray. Grateful NatWest.

Review posted by John Rhodes

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We saw a very modern small fibreglass yacht at the yacht show, for sale in Germany last month. My wife and I couldnt resist.WE have an old wooden sloop, but really fancied the latest technology.We had £50 000 in our savings that we were willing to draw out, but needed another £20 000.As Natwest give you loans over a 7 year period, as opposed to most banks that only allow repayments over 5 years, we decided to apply with them.We sure did not want to feel we would battle to pay, so 7 years made the installments affordable.We have a good credit rating, never been blacklisted so the loan was approved and granted.No complaints about NatWest. I wish other clients the same experience.

Review posted by Malcolm Knight

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NatWest is, in my opinion, a good bank if someone is looking to borrow money overnight and doesnt want to disclose the reasons why!I was most upset, as before applying on line with NatWest, I had applied with 3 other loan companies, who all demanded to know what I would be using the loan for.With all due respect, its none of their damn business!What is their business is for them to check my credit history, verify if the information I give is truthful, if I´m an adult and earn enough money to pay them back without being a risk.NOT what I need the money for.Natwest did not pry.They gave me a quote, after I pressume, they checked me out and 24 hours later after I had accepted the terms and conditions, they transfered the £3000 to my bank account.I congratulate them.

Review posted by Patrick Murphy

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Wow, Wow, Wow, am I surprised!I had read on the information section of NatWest, that when we apply for a loan with this bank, they give you a quote within 5 minutes of your application being received.I sure did not believe this, but decided to put them to the test, as I needed some cash quickly..therefore it wouldnt hurt to verify this information.So I filled in the on-line appliaction asking for a £2000 to buy myself a racing bicycle, and offered to pay over 12 months.Indeed the quote was received in ( I timed it) 6 minutes!Impressive speed!I accepted their interest rate and conditions and confirm that the cash was in my current account 2 days later.See to believe, is my motto. NatWest delivered on their promise!

Review posted by Catherine O´Sullivan

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Our house certainly needed some improvement like turning the carport into a garage and adding on an extra bedroom. I'd had the plans for some time and felt that the time was right to have the job done. I applied online with NATWEST as after some serious research I felt they were the best. I asked for a personal loan of £10000 and also for a 5 year repayment plan. After carrying out their usual credit checks and me being a current account holder my loan was approved and they were very helpful indeed. I knew that it was a substantial loan but the instalments were affordable and the value of our house was sure to go up.So all my thanks to NATWEST.

Review posted by Joe Reece

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It was time for the wife and I to go on a relaxing cruise. We'd not had a holiday for a long time and I knew that this would really make her happy. We don't have any debt at all and being current account holders at NATWEST I thought our best option was to ask them for a personal loan which we could pay off over 2 years. Well we did just that and our loan request of £5000 was approved very quickly indeed. I signed the loan agreement and I'm sure my creditworthiness never came into question as the money was deposited into my account the next day. My wife has already picked the cruise and we can't wait. Our thanks to NATWEST.

Review posted by Charles Radcliffe

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Most Christmases me and my husband have managed to get by and afford the usual things but now that we have 3 grandchildren and 3 daughters-in-law to add to the equation we have been struggling a little bit when it comes to affording presents.We decided to apply for a personal loan and even though we did the sensible thing and checked the online loan comparison website first, we still ended up going to our own bank for the loan.We have been with NatWest ever since our sons were young and we have always had a good relationship with our local branch, so even though we used the online loan calculator tool to make sure we could afford the loan we still preferred to apply in person at our local branch. As per usual they were very helpful and once the loan was approved they also showed us how to manage our loan repayments online which was a great help to us.We are really looking forward to this Christmas and especially when we tell our sons how we have finally managed the skill of online banking!

Review posted by Gwen Stevens

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Thanks to the loan from NatWest I can now have some much needed renovations done on my flat before putting it on the market in the new year. I wanted to get the possible price for it when I sell and on the advice of the estate agents I am having a new kitchen and bathroom installed. It will add far more value to the place which will cancel out the loan and as far as I am concerned that makes sense whichever way you look at it. NatWest seemed to agree which is why they didn't have any hesitation is giving me the loan and I am posting this review to say a huge thank you to them for their help and co-operation. It just reaffirms why I have been a satisfied customer of theirs for all these years.

Review posted by Sarah

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2016 is going to start off with a lot of hard work but it will be worth it because the personal loan I have just been approved by NatWest means I can convert our basement into a a very stylish home cinema room.We love our house and would never want to move but my wife and I in particular like nothing more than to watch a good movie at the weekend with the obligatory popcorn. The kids will be bowled over by it also when they see it but we are trying to keep it a surprise and have told them it is going to be a granny annexe.I am an electrician so I can do most of the technical work involved but we needed some help with the other structural work and this loan will not only pay for our state of the art screen and comfy reclining armchairs, but it will ensure we get the best tradesmen to do all the necessary preparations before I put my skills to work.Our kids can't wait until Christmas but my wife and I are looking forward to the new year and having our very own cinema room thanks to our loan from NatWest.

Review posted by Marcus B.

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With the help of NatWest's loan calculator tool I had already worked out that I could afford to borrow the amount I needed, I just hoped that NatWest agreed with it.I am glad to say they did and after a bit of adjustment I finally ended up with a very affordable loan that was going to help me sort out a few problems with my new flat and leave a bit over to treat the girlfriend to a nice designer handbag for Christmas.If NatWest had turned me down I suppose I would have eventually found another lender but it might not have been as competitive as this loan and I much prefer to deal with my own bank when it comes to borrowing money, so at the moment I couldn't be happier.

Review posted by Chris Weston

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With the help of this personal loan from NatWest I am going to throw my parents the best 50th Wedding Anniversary party. Being an only child it is all down to me but I am happy to do it. The loan adviser at my local branch was very helpful and came up with a very acceptable loan with monthly repayments that my husband won't hit the roof about.I also have a nice little extra surprise up my sleeve which is that I have paid for my dad's only brother and his wife to travel from New Zealand and as they haven't seen them in over 20 years it is going to be worth every penny to see their faces on the day.I am so excited about the whole thing that I can't even begin to think about Christmas this year. I am afraid that is going to have be my husband's responsibility and I do hope for our children's sake he gets it right. Luckily 'Santa' has already bought most of the presents on their lists so let's just see how he gets on with decorating the tree for starters.

Review posted by Roberta G.

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NatWest have helped me out time and time again over the years and this recent personal loan is just another example of how much I rely on their loans to boost my income and help me afford some of the things that would otherwise be out of my reach.I have never had any problems making the repayments on any of the loans and I trust NatWest to make sure they are not offering me a loan that is going to be a struggle to repay. So far they haven't let me down and this loan to help with the added expense of Christmas is more than affordable for me and has taken the pressure off me and my husband who was made redundant a couple of months ago.With this loan and me having a well paid job of my own I just know 2016 is going to be a much better year for us and I have to thank NatWest for helping to make that possible.

Review posted by Leslie Carr

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NatWest have just approved a personal loan specifically for home improvements and it means I can get back to doing the job I was trained to do instead of being a jack of all trades.When we first bought our house I decided I would do most of the renovations myself as I am self employed and work from home. However it all became a bit too much and I found my business was suffering because I was spending too much time on the DIY.After a phone call to our local NatWest branch I made the decision to take out a small personal loan to pay for the remaining renovations to be done by the professionals and I don't mind admitting I was very happy to hand over the job to them.Now I am able to get on and concentrate on my own business without constant interruptions and my weekends are mine again to play the occasional round of golf and watch the football on TV.The loan comes with a very competitive rate and affordable monthly repayments and because I can put more hours into doing my own job I am actually making a lot more money that I have been for the past year or so. So its a win win situation for me and I should have done it much sooner.

Review posted by Colin C.

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After my divorce I moved in with my brother and his wife who were more than happy to let me sleep in their spare bedroom until I got myself a place of my own. They didn't put any pressure on me and never made me feel unwelcome but I knew it wasn't ideal and so I was determined to get a place of my own and move out before Christmas.My local branch of NatWest have a great team and I know most of them well having been a a NatWest customer for many years. In particular, their loan adviser was extremely helpful when I applied for a personal loan. He did his best to get the right loan for me and to make sure I had the funds in time to put the deposit down on a new flat, buy some basic furniture and be settled in before Christmas.I am so glad I didn't take advantage of my brother's hospitality for too long because now that I have just secured a new flat and started furnishing it I feel a lot happier and can't wait to have my kids over and show them that their dad is doing just fine and that they have a second home to come to whenever they want.

Review posted by Mr C.J., Loughborough

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Despite all the loan companies that seem to be cropping up all over the place I naturally went to my own bank NatWest when I decided to get a personal loan. I needed a bit more money than I have ever borrowed before but I was hoping that NatWest would be as willing to lend me the money as they have done on previous occasions for the smaller amounts I have borrowed.I am pleased to say they did approve the loan and they were very helpful when setting out the repayment schedule so that not too much money was coming out of my account at the same time each month. Having my outgoings spread out evenly throughout the month makes things so much easier for me and the ability to manage this loan online is very convenient.

Review posted by Adam

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I did look at a lot of the loan options that are available and spent a very frustrating afternoon on the loan comparison website before I eventually decided that I should give my own bank a call first. I had made a note of a couple of the loan options that I thought might be ok for me if my bank refused me but I am glad to say that turned out to not be the case.I mentioned some of the options I had looked at to the NatWest loan adviser and she assured me NatWest could match any of them for competitive APRs. They not only matched the APR on the lowest one but they gave me a monthly repayment amount that was very affordable because they extended the loan period which I was very happy about. My loan will be paid off in 2 years and I won't have had to struggle to make the repayments which is a far better option for me than the ones the other lenders were quoting.

Review posted by Kim

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I took my personal loan out with my own bank NatWest for the simple reason that they were as competitive as any of the other lenders I looked at online and it was going to be a far simpler process for me.NatWest have been my bank for nearly 20 years and they know my financial history almost as well as I do and so the credit history check didn't take very long and once that was done and the loan was officially approved the funds were in my account by the next day.I couldn't have asked for a more straightforward way of borrowing money and would always go to NatWest first provided they stay as competitive as they are currently.

Review posted by Simon W.

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I had never used my bank, NatWest for a loan before although I have been a customer of theirs for some time. I had some major expenses coming up and decided I would approach the bank for a personal loan. My savings would not have covered the costs and I did not want to deplete them anyway. It seemed the most relevant thing to do, if a loan was successful I would be able to pay it back over time.I do internet banking so was familiar with them on line. I went on to their website and hit the apply for a loan button. It was helpful to have a look at how much a loan would cost me by using their calculator tool. I tried various amounts to see what the difference in payment would be and selected one that would cover my costs.The application form was a simple one to complete and when I had placed all the relevant information in the boxes, I submitted it for processing. I was so surprised when not too long after submission they responded with a quote. It was an acceptable quote and then I received their decision to offer me the loan. That was so easy. The money was in my account within a couple of days. Thanks NatWest I'd recommend you to anyone.

Review posted by Robin Langley

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Once I had tried out the loan calculator tool on the NatWest website I knew I was in with a better than good chance of them approving a personal loan for me. I think its a great facility to offer potential borrowers because it saves them a lot of time and saves them from being rejected for the loan further down the line.From the time I used their loan calculator to the time the money was deposited into my account it was less than 3 days and as I needed to money in a bit of a hurry that was a real bonus for me. I know a lot of other lenders have these loan calculators but I'm not sure if I would have got as good a deal with them and I doubt the money would have been transferred as quickly.So I am really glad I chose with stick to NatWest otherwise I might still be waiting for my money and with Christmas only days away I would be panicking a bit.

Review posted by Kelly F.

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My car was starting to give me all sorts of problems so I figured it must be time to change it. My finances were not exactly capable of buying a car for cash, so it would have to be a loan or credit company at the dealership. I always think the dealerships in conjunction with their lenders have a much higher rate of interest so I did not particularly want to go that route.NatWest have always been a good bank to deal with and I knew that they did loans for all sorts of financial needs. I decided to approach them for a personal loan to see if I would be approved and then buy my new or good used vehicle. I went onto their website and looked at their interest rates. The calculator was a good tool to have as I could see what the repayment amount would be depending upon how long and how much I borrowed over time. The figures looked like something I could handle in my budget so I filled out the application and pushed the go button. I got back an instant response with a pretty good quote and then a decision which was positive, I was well pleased. The money went into my account a few days later and I was able to go car shopping.

Review posted by Sandy L.

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Some of my credit cards had a pretty high interest rate and I was getting a bit tired of paying more than I really needed to. I was also fed up of having to keep track of when payments were due and not being late with the payment. I thought if I had just one payment it would make life a lot easier and cost me less in interest. Going to the bank for a personal loan would sort out this headache, I don't know why I did not think of it before.NatWest have always been pretty good to deal with, I have had mortgages with them before, as well as savings and my current account. So I have given them lots of business in the past. I saw no point in going else where to find a lender.I went on line to take a look at what they were offering and their terms for a personal loan. The interest rate was better than my cards, so it was a no brainier to apply. I completed the application which was a piece of cake really, submitted all the details they needed and sat back and waited as they said they would be back to me shortly. Well they weren't kidding, I got a quote within half an hour and then a decision to give me the loan. Well done NatWest.

Review posted by Victor Tapley

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My son announced that he and his fiance were getting married abroad. That was a bit of a surprise and a shock. There was no way his father and I would not be there. We had to do some quick calculations as to the costs involved, we discovered that it was more than our savings could handle, besides it's not a good idea to deplete your savings completely.We have been at NatWest Bank for ever so had a good relationship with them and have paid off a loan in the past. We figured we should go back to them for a personal loan to make the wedding abroad happen for us. Online we used the calculator to determine what kind of interest rate and payment we would be getting ourselves into and actually were pleasantly surprised. It was doable on our budget, so we proceeded to fill out the application with the amount we selected to borrow. Gosh they were back to us within minutes with a quote. It had the figures we were anticipating and then a decision came through that they could offer us the personal loan. Thank goodness, that was great news and gave us peace of mind that we could go to his wedding.

Review posted by Leslie Young

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I just made a big decision and I am going to ask my girlfriend of 4 years to marry me. I want to give her a lovely engagement ring and don't mind paying for it over time. I already have it picked out and have been paying off for it, but its time to actually do the deed and pop the question, so I need to get a personal loan to pay the balance.I have banked with NatWest for several years and felt that I could possible obtain a loan from them, at least, I needed to give it a go. I went on line and looked at the criteria you needed to apply for a loan, and I did qualify. I also checked out the tool they have to calculate what a loan would cost and what interest rates they offered. It all seemed doable so I continued to the application page and filled it in. My heart was in my mouth as I waited, but I need not have stressed, they gave me a quote and then an instant decision. Wow it looked like I was actually going to do this. The money was made available to me in just a day, so I went to get that ring. Thanks NatWest, made my day.

Review posted by Ben Aster

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Thank you NatWest! Thanks to you I went today to the shopping mall and bought all the Xmas presents for the whole family. My daughter will get her Iphone, my son his bicycle and my eldest daughter her new computer. NatWest was very very quick at granting me a £2000 loan and accepting that I repay them over a 2 year period. They did not exagerate with the interest rate either and transfered the funds to my account so quickly that I was able to do all the shopping today. I have no complaints about them and recommend them to anyone needing money for Xmas or other reasons.

Review posted by Patricia Walters

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I am so happy that NatWest approved our loan for a home extention. We needed to add a games room to our cottage and to build a laundry too. The quote we got from the builders was of £6000. We contacted NatWest as we know that most banks who lend money, expect the lenders to pay back in 5 years. NatWest allows one to pay over a period of up to 10 years, so obviously they were the right bank to deal with. We requested the loan over 7 years and it was approved and the funds were in our bank account within 48 hours. I have nothing but praise for this bank. The interest rate was affordable and thanks to them we will have no pressure to repay, due to the extra 2 years. Thank you NetWest.

Review posted by Paul Henderson

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I am a client of NatWest and have always been well treated. This month I needed a quick loan as its Xmas and with it comes many expenses. I applied on line for £2500 and waited for a quote as I wanted to see what my installments would be over a 24 month period. They returned with the quote in exactly 7 minutes. I timed it!! I was impressed. My application was successful and the funds were in my current bank account 2 days later. This bank has a good name and I can see why. Ofcourse they make a good profit with interest charges but its worth it. Im pleased. Client services was friendly.

Review posted by Ariel Wilson

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Last week I went to do shopping for the festive season and to therefore buy presents for the family. Whilst looking at a furniture store, I fell in love with a set of leather sofas. Expensive indeed but it was perfect for our games room. I could not resist and nagged my husband to buy it to me as a Xmas present. He couldnt say no to me, but we were running low in our current bank account, so we went home and applied on line to NatWest for the £3000 that we needed. They answered us after we had filled in the online application and once we provided all the required information, in a few brief moments, with the YES answer. I was delighted. The repayments over 3 years were affordable , so it will be no train smash. Im so excited and need to thank my wonderful husband and my bank NatWest.

Review posted by Tracy Millard

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Being a NatWest customer for several years I felt I could probably obtain a loan from them. I knew their interest rates were fairly reasonable and they had some flexible deals you could apply for. My sister had asked me to join her on a cruise to celebrate a milestone birthday, I really wanted to go but at the same time did not want to touch my savings as I had planned for another event with that money.I went to the NatWest website to calculate what sort of obligation I would be getting into. I played around with the figure I might borrow and came up with a doable set of terms. I submitted my request and within a few minutes, they responded with a quote. They are so efficient at NatWest I knew this was going to be a positive experience. it was, I received in no time at all a decision to loan me the money I needed. I guess I am going on a cruise thanks to NatWest.

Review posted by Alice T.

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Before I took up with the NatWest bank for my financial dealings, I had obtained a couple of credit cards with other institutions. As we all know, it is so easy to rack up a balance owing on cards, and I was not getting anywhere in trying to pay them off. The interest rates were high and I felt I could do better. If NatWest gave me a personal loan, I would pay down the cards and just have one loan payment. So having made the decision I applied to my bank for a personal loan.Going on line was an easy task. I just pulled up the loan section and had a read of their loan descriptions and what was needed on my part. I liked the loan calculator tool as it helped me decided on the correct amount to borrow and at what rate. If the tool was a true indication of what to expect on the terms, I would be bettering myself. I submitted my request and within the hour, a quote came back in the same figures as the tool suggested. I accepted the offer and waited for a further hour or so for the final decision. That came in my favour too, I really am glad I have chosen to stick with the NatWest Bank.

Review posted by Paul Wilson

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I was in the think tank about my student loans and how to get rid of them in one go. I know that some people get rid of their credit card balances by obtaining a personal loan, I did not see any reason why I should not do the same with my student loans. It would be better to have just one outgoing payment each month, rather than several, and all at different rates of interest.I had a good job and knew that I could afford to make payments on a personal loan, I was already doing it with probably a higher rate of interest. Being a NatWest customer already I saw no point in going to another lender, I believed they had a good reputation for lending money to folk. So I pulled up the NatWest website and looked at what they accepted as criteria for lending. I used the calculating tool to determine what kind of terms I might get. I filled out the form to apply for the amount I needed and submitted it. Within the hour I got a quote back. The figures were a little different but still doable so I accepted and waited for the final decision. They granted me the personal loan and within a few days I was paying off those darn student loans, I was a happy camper!

Review posted by Jane F.

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I made the decision recently to look for a newer car. I had driven my current vehicle for a few years and it had been pretty reliable, but the mileage was getting up there and it was time to change. I did approach a dealer the other day and although the car I found was pretty decent, I did not like the terms and conditions of their lender, especially the interest rate.I drove by the dealership again and the car was still there, I really did not want to miss out on this vehicle, so I decided to apply to my bank for a personal loan, then I could go in with cash and my current vehicle if they approved me.I have been with NatWest for several years and did obtain a small loan from them before. It was a hassle free process then and I hoped things had not changed. I went to their website and applied for the personal loan that would cover the cost of the car. I did not have to wait long before a reply was received. They sent a pretty good quote with a much better interest rate than the garage, so I accepted and waited for their final decision. Within a few hours, I had received notification that my request had been approved. The money was deposited into my account the next day. Excellent process at NatWest for getting a loan.

Review posted by Terrence L.

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I wanted to write a review about the positive experience I had received at the NatWest Bank. I had decided to build an extension on the back of the house and needed a loan to cover the costs. I had gone into the branch to discuss this issue with a loan officer and was very pleased with the way I was treated.The person was very knowledgeable and helped put together a loan application. We were able to extend the repayment terms as NatWest offered a different rate for home improvements, which I did not know about. The loan officer was efficient and dealt with all the facts and figures like a professional. He was able to get me a quote straight off the computer, he said that a final decision would come from his head office in a few hours. He promised to call me later that day. He did and it was with positive news that I had been granted a personal loan for my project. Really great people at NatWest, I highly recommend them.

Review posted by Kenneth B.

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We have our loan in good time for booking our cruise in the new year and before we forget we just wanted to say thank you to NatWest for approving our loan and getting the money to us so quickly. It means we can also help our kids out with a bit of extra cash to help the with presents and stuff. They both have young children and struggle to afford things at this time of year.NatWest have been our bank for many years and this is the first time we have taken out a personal loan with them but I am sure it won't be the last because we never realised just how easy it was using the computer. Even being able to thank them by way of this review is a very good thing as it means we don't have to search around for a stamp. Isn't modern technology great!

Review posted by Harry R., Ilford

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When we get back from spending Christmas with our daughter and her new husband we will be raring to go and get stuck in to designing our new bathroom and kitchen.We have been in this house for over 20 years and we had been promising to update the bathroom and kitchen and now that our daughter has moved out and set up her own lovely new home we decided it was time we gave ours that much needed makeover.We decided to get a loan so that we didn't have to dip into our savings. We did our loan application online but also popped in to our local branch of NatWest and within a week we had got the loan approved and the money in our bank account.It means we can go ahead with the work in January and if the noise and disruption gets too much we can always escape to our daughter's house for a while and I am sure she won't mind a bit.

Review posted by John T.

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I don't usually bother with the internet much but I did my loan application with NatWest online and I was amazed at how easy it was. Once I had the initial quote I didn't hang around and I agreed to the terms and conditions immediately because I was happy with the interest rate and the monthly repayment amount that was required.I must admit that when that part went so well I was expecting to have to jump through a few hoops before the money finally reached my account. That wasn't the case as the money was transferred the next day and before I knew it I had my loan and it all happened in less than 48 hours. Now that's what I call a great service and that's why I am posting this review.

Review posted by Peter C., Hackney

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We thought we would get Christmas out of the way before applying for a personal loan with NatWest to pay for some home improvements. We knew roughly how much we needed to borrow and we didn't want to take on loan repayments until the new year.In what must surely be record breaking time NatWest have approved our loan and set up a very affordable loan repayment schedule for us. Now that the funds have been transferred to our account we can get started with the work as soon as we have recovered from our New Year's Eve celebrations which will take place for the very last time in our cramped little lounge/diner before our fabulous new extension is built next year.Thanks NatWest and a Very Happy New Year to all your staff.

Review posted by John Drake

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You know your living room needs a bit of a makeover when you have to strategically place the Christmas decorations to cover up all sorts of unsightly cracks and damp patches. So that is what prompted my application for a personal loan and now that it has been approved I can get started on the makeover as soon as the decorations come down on Twelfth Night.I did all the groundwork with the loan calculator tool so that I could tell my husband how much we could afford to borrow and after a bit of negotiating he agreed to us buying a new three piece suite as well. NatWest didn't take very long to give us the thumbs up and I am anxiously waiting for the money to arrive in our bank account before getting started on the work. I already have my new three piece suite earmarked and all the decor will be chosen to co-ordinate with it.Next year I might start putting Christmas decorations up in our bedroom because I am sure there are a few cracks there that could do with a bit of disguising!

Review posted by Celia C.

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We have come to the decision that my elderly mum will have to move in with us in the new year but before she does we need to do a few alterations to the house to make it more accessible for her. We gave it a lot of thought over the Christmas period and finally decided to apply to NatWest for the loan to do the work.We explained what we needed the loan for and the loan adviser was extremely sympathetic and helpful and before we knew it the loan had been agreed in principle. We have already contacted our local builder and as soon as the funds are available we will get the alterations done.Hopefully it won't be too long before mum is nicely settled in with us and we just want to thank NatWest for their help and the efficient way they dealt with our loan application.

Review posted by Kathy R.

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We've come a long way since I took out my first loan with NatWest nearly 10 years ago when my wife and I got married. I can still remember how nervous we both felt when we visited our bank manager to ask for the loan to help us with the cost of furnishing our new home.What a contrast this loan application has proved to be. No nerves, no having to take time off work and no wearing my best suit and a shirt and tie. And with the benefit of their loan calculator tool we didn't need to be told how much we could afford to borrow.By the time we were on our second cup of coffee we had applied for the loan and received the instant quote and the bank had given us the thumbs up before we had time to put the kettle on again. Luckily we had a nice chilled bottle of wine in the fridge because we thought getting the loan was worthy of a little celebration.

Review posted by Trevor Beechamp

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After applying for my personal loan with NatWest using the online facility I felt rather pleased with myself because I really thought I would encounter lots of problems and have to call on the missus to sort it out for me. So firstly I would like to thank NatWest for making their online loan application system virtually idiot proof!But secondly and most importantly I want to thank NatWest for offering customers like me such competitive loans and rewarding your customers loyalty in this way will guarantee people like me will always come to you first when they need a loan. Just make sure you keep it idiot proof and we won't have any cause for complaints!

Review posted by Vince D., Lewisham

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Its quite scary borrowing such a large amount of money but I am glad to be borrowing from my own bank and as NatWest seem to think that I am able to afford it and I feel a lot happier knowing that they have that confidence in me. My fiancee wanted me to get a loan from a company she had been recommended but the low APR they were advertising wasn't on the cards when we did the online quote and it seemed that it was just available to a small minority of borrowers. That seemed to be the case with a lot f the other lenders we looked at on the loan comparison website.I decided I had wasted enough time and went back to my own bank who weren't dangling any carrots to entice me they just gave me their most competitive APR and a monthly repayment amount that wasn't going to give me any problems. In future if I want carrots I'll just go to our local greengrocers. I think NatWest would probably agree with that.

Review posted by Alistaire S.

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Getting the approval for my home improvement loan from NatWest is the best bit of good news I have had to start the new year.Once we get the funds in our account we can make a start on the work that we desperately need to do before the winter really sets in. Leaking roof, draughty windows and exterior paintwork that is flaking badly will all get sorted before the Spring is here provided the weather doesn't hamper things but either way we will have the funds to do it and we are ready to get stuck in with the difficult task of choosing the right builder for the job as they all seem to be too good to be true according to their quotes.

Review posted by Bill Watson

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The loan NatWest have just approved is about to be put to good use with some home improvements that were long overdue after years of neglect by the previous owners and we are hoping that once the work is completed our property will be brought up to the standard of the other houses in our road.We bought the house at auction and had only viewed it from the auction catalogue but we knew the area where the house was and the road in particular so we had a fair idea of what we were letting ourselves in for.We have taken out quite a hefty loan but the repayment period is spread out over 10 years making the monthly repayments very affordable. We couldn't have borrowed this amount without the help of NatWest because even though we found several lenders who were offering lower APRs none of them were as flexible as this one with regard to repayment periods and borrowing the same amount over a shorter period would have meant we would be struggling with the monthly repayments.We are not planning on moving house for the foreseeable future because we bought this one to turn it into our dream family home, so we see this loan to do the necessary work as a worthwhile expense which will pay off in the not to distant future and the first thing we will do once all the work is done is to get a valuation done to see just how much the property is worth. I'm guessing we will already have recouped our loan which is what we were hoping to achieve.

Review posted by Kevin Eastman

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My personal loan from NatWest is a first for me and it will probably be a while before I take out another loan. I was on the verge of purchasing a new car with the finance that the dealership were offering but most of my mates said I would be crazy to take the finance on because it wasn't the most competitive rate and the car wouldn't be legally mine until the final repayment was made.They convinced me to try getting a loan from one of the high street banks and so I started the search with my own bank NatWest and I am so glad that I listended to my mates because I couldn't believe what a mug I would of been if I had gone with the dealership finance. NatWest have saved me hundreds of pounds with this personal loan and the monthly repayments are going to be much less than the dealership wanted.But the best part for me is knowing that the car is mine straight off and I won't have to worry about missing a repayment because NatWest have set up the direct debit to coincide with my salary going into my bank account each month so that makes sure the funds are there.

Review posted by Lee Matthews

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It is so nice to start the new year in a house that has been renovated and looks like new!All this was only possible because of the £15000 loan that NatWest gave us .We considered applying for a personal loan with a couple of other banks, but most want repayment over maximum 5 years, but NatWest granted us the loan over 7 years, which means a lot less stress and affordable installments, so no doubt we applied with them.We applied on line and it was a quick and simple process. We are very pleased with their service.we look forward to 7 years of a hassle free relationship.

Review posted by John Cornick

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My name is James Dunn and Im writing because I feel compelled to thank NatWest for the personal loan that they approved when I asked for £2500 just before Christmas.It was really nice of them not to knock me back so close to the holiday Season.In fact they saved my Christmas, as I was owed money by a friend who did not pay me as expected, and thus I was short for presents, but their quick approval of my online application and subsequent transfer to my account saved my butt.Ill be paying them over 1 year and happy about it.This bank are reliable.

Review posted by James Dunn

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I am boasting about NatWest here for everyone to see for one reason alone. Its the fact that when I applied to borrow £4000, they never questioned what I needed the money for. I was happy to see this as I was really annoyed prior to approaching Natwest, to be asked by other institutions, what the funds were for. Basically its my life and my problem and the way I see it, what they should concern themselves with, is whether or not I can afford to pay back the loan nothing else! Apart from this point that pleased me, they were overall professional, granted me the needed £4000 with monthly repayments over a 3 year period and a fair interest rate. A bank to consider if you dont want people prying into your private affairs, I say!

Review posted by Mrs Clarisse White

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Im only a 19 year old young girl, have not been working for long but I do have a steady job that pays decent wages. Over the festive season I wanted to go celebrate somewhere upmarket with my friends and book into a 4 star hotel for 3 nights but that would have left me tight for a few months and thus I asked NatWest to please lend me £1000. To be perfectly honest I expected the answer to be a flat no...so was astounded when they approved it in record time. I guess that being young has its downfalls but also its strong points, one being that I have no debt. Im paying them over 12 months and I worked out that I can afford it without too many sacrifices. Thumbs up NatWest!

Review posted by Fiona Walker

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After searching on line for a good institution to apply to for a £1000 personal loan, I found NatWest and they appealed to me. One of the things I realized was that the majority of banks will only lend you over £2000 and others force you to pay them back over 24 months or more, no doubt, so they can charge you interest for a longer period of time. NatWest allows one to borrow £1000 and to repay it over 12 months, which suited me perfectly. I decided to try them out and filled in the application on line. Fortunately it was approved and 48 hours later the cash was available. Not a bad bank to consider.

Review posted by Mario Lima

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We are truly delighted with the personal loan we have had approved by NatWest Bank. The loan adviser at our local branch couldn't have been more helpful when we made our initial enquiry about borrowing the money to build an extension to our kitchen. We made the enquiry in December but wanted to wait until the new year and to make things more convenient for us she suggested we do the application on their website once we were ready to go ahead with the loan.So we have just completed the online application which was easier than we thought it would be which was a relief because we hadn't used our computer for this sort of thing before. However we are going to see the loan adviser again now that we have the approval and we hope to tie up some loose ends with regards to the monthly repayments. But all in all this has been a very straightforward method of borrowing money and we want to thank NatWest for such a good service and the help and advice from the local branch loan adviser was very much appreciated.

Review posted by Marjorie Evans

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Our current kitchen is as old as our daughter and as she has just celebrated her 21st birthday we decided it was about time we updated the most frequently used room in the house.We have just spent an exhausting couple of days looking at literally hundreds of kitchens and have finally decided on the one for us. The next step was to get a loan to pay for it and thank goodness we went straight to the NatWest website because in less than an hour we have filled in the online application, got a very affordable quote and the all important approval from NatWest.We really can't believe how quick and easy the whole procedure has been and we wanted to post the review to say thank you to NatWest for such an amazing loan service that we never realised was just at our fingertips. If only choosing our kitchen had been that easy!

Review posted by Leslie Adams

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We are quite happy with the eventual loan that NatWest have managed to arrange for us. It took a bit of time to sort out but that was mainly our fault for not using the online facility first to work out what we could afford in monthly repayments. We just had a figure in our heads as to what we wanted to borrow and that was it really.Now that we have looked at the online set up that NatWest has we are much better able to understand how they work out the interest rates and the monthly repayments on different loan amounts and we could see at a glance what we would be paying for the loan we required. I can see why this form of lending is very popular with people because it would have saved a lot of time and guess work on our part.If we need another loan from NatWest in the future we know what to do first and as this loan is just a small amount to pay for our Summer holiday we will probably be testing out the NatWest online loan facility sooner rather than later.

Review posted by Ann Bryant

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My NatWest loan application eventually went through after a delay with the credit check. There was a bit of confusion as to what outstanding debts I had but once that was clarified NatWest were happy to approve the loan.This loan is to pay for a new car and I wouldn't consider buying a new car if I had too many other financial commitments so the delay in approving the loan was a bit frustrating but I understand why these things have to be done before lending out large sums of money.I have got a very reasonable interest rate for this loan and the monthly repayments are less than what I have been paying for the rental on the car I have been driving these past couple of months since returning to the UK from my 2 year stint working in Dubai.It won't be long before the loan is activated and once the money is in my account I am ready to make an offer on a similar car to the one I have been hiring, which is an unorthodox way of test driving a car but at least I am sure its the right one for me.

Review posted by Bob Sturgess

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NatWest Bank gave me my personal loan without too much hassle and that's due to the really good website they have for making your applications online. The loan calculator tool is another great thing and it gives you an immediate idea of what sort of loan you can afford before you even make the official application so that means you're not wasting too much time chasing loans that you aren't likely to get.For people like me that don't really like dealing with their local bank for stuff like this it really is the best way of going about things. I can't remember the last time I actually went into my local NatWest branch and I would have felt quite awkward going in there for this loan. Luckily I didn't have to and using my online banking facility I can see that the money is already in my account which is the best news ever and given me a great start to 2016.

Review posted by Will Beresford

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We've been with NatWest since we got married in 1987 and have always been fairly happy with the service we get from them. So choosing them for our personal loan was the most convenient thing for us but only because they were offering a really good APR on the loan we wanted. We would have put ourselves out a lot more to get the best loan from some other lender if NatWest hadn't been able to oblige.Now that we do most of our banking online we didn't even have to leave the comfort of our living room to apply for the loan and being as we are both extremely busy in our jobs as doctors that was a great help. We know there are loads of different loan companies that offer great loans but we like to make good use of our own bank whenever possible and this is a perfect example of how to get the most out of your bank.

Review posted by Elizabeth W., Colchester

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We're not paying for our sons wedding per se but we have offered to pay for the bridesmaid's dresses for our three daughters and all the accessories. We don't mind paying but it did mean we had to get a loan from our bank to afford it.NatWest have given us a a very reasonable APR on this short terms loan which will be paid over a 12 month period. We thought about borrowing a bit more so that we could pay for our overnight stay in the wedding venue hotel but the brides parents have been very kind and insisted that they want to pay for us. And considering what I have just been told the price of the bridesmaids dresses are I think its the very least they can do. My husband will have a heart attack if I tell him. Thank goodness it will be a few years before any of our girls will be getting married. He might have mellowed a bit by then.

Review posted by Jill Foster

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I think if it weren't for the internet and being able to apply for our NatWest personal loan online we would still just be talking about booking our cruise instead of planning it.Both of us work long shifts and we are sometimes like ships passing in the night but we are both coming up for retirement and we want to book and pay for this cruise with a loan before we are drawing our pensions.NatWest have a very easy website to do the loan on and we didn't have to wait too long before it was approved and the money was in our account. We are used to doing our banking online and so we will be able to manage the repayments easily and keep an eye on things to make sure those payments go through each month.We're hoping to take a few more cruises once we're fully retired and hopefully with a bit of careful management of our pensions we will be able to use NatWest for future loans.

Review posted by Kate D., Dartford, Kent

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My girlfriend and I decided to move in together and have found a really nice two bedroom flat to rent. However both our one bed flats were tiny and neither of us have much furniture to bring to the new place especially as they were both rented to us as partly furnished accommodation.We needed to get this loan from NatWest to pay for some new furniture and flooring. The other basic stuff such as kitchen equipment will also have to be purchased as we were both living on a very unhealthy take away diet before we met and anything that didn't require plates and cutlery was usually our choice for meals.All that is going to change now because NatWest giving us this competitive loan has spurred us on to create a nice healthy lifestyle and a nice comfortable place for us to relax and invite our friends over to. Who knows, we might even have the occasional dinner party although I'm not sure either of us can really cook so we had better keep those take away menus handy!

Review posted by Jake Atherton

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The time had come to stop lavishing all our money on the grandchildren and do something for ourselves for once and we decided a Mediterranean cruise would be a nice way of doing that.Then we thought about getting a loan to pay for it rather than dipping in to our savings. My wife said she would be happier doing that because we were keeping our savings for any major emergencies that might occur and then eventually leaving whats left to the grandchildren.That made much more sense to us so we got straight on to the NatWest website and started looking at what they were offering in terms of interest rates on the loan amount we wanted. They were competitive enough for us so we went ahead and applied for the loan. We didn't have to wait too long and got the approval and the money followed within a few days. It really was that straightforward and we didn't even have to speak to anyone at our local branch although they did call us to confirm that the funds had been deposited into our account.We are very pleased with the terms and conditions of this loan and the monthly repayments won't make too much of a whole in our pensions which means our savings can stay untouched for a bit longer.

Review posted by Richard Drew

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Applying for a personal loan with NatWest didn't happen until after I had done a proper search on the loan comparison website to make sure I wasn't missing out on a more competitive loan. Once I had decided that NatWest were offering just as good a loan I made the application online .There is no excuse for not making proper use of the internet when looking for a loan. Its a great tool for anyone who can use a computer and knows their way around the different internet websites.I feel sorry for my parents who didn't have this facility when they were my age. It must have been a real headache for them when they were looking for a competitive loan although they tell me there just wasn't the same choice in those days when they were first married and setting up home.They both bank with NatWest also and in recent years I have persuaded them to do their banking online and they are becoming quite good at it and even managed to get a loan recently using the NatWest online facility. Who says you can't teach an old dog new tricks.

Review posted by George Lytham

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Now that my loan from NatWest has come through I wanted to comment on what my first experience of taking out a personal loan has been like.For a start I am pretty useless with using the internet but I still managed to fill out the online application form and was thrilled when I got a very favourable quote which I agreed to straight away. Less than an hour had passed and I got the approval from the bank.I was in a bit of a euphoric daze for a while and when the money went into my account I was over the moon. I don't know what else to say except that I hope this wasn't a one off and that if I need another loan in the future it will be as easy and stress free as this one.

Review posted by Bernie Gerritson

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I'd never taken out a loan before and this was my first experience of using the internet for this sort of thing. I am a bit of a traditionalist and always thought getting a loan would involve a face to face meeting with my bank manager or at the very least the loan adviser at my local branch of NatWest.Neither of which turned out to be the case because it was all done and dusted within an hour of going online and logging on to the NatWest Banking site. The ease at which I was able to process my loan application was very impressive and I am a bit of a convert now to online banking and will be making sure I use this facility in future to check that my loan repayments are going through each month.

Review posted by Simon Fraser

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It takes me longer to do the Daily Mail quick crossword than it did to apply for and get approval for my first ever personal loan from NatWest. I use the internet a lot and do loads of my shopping online but I never realised that applying for something as important as a personal loan could be so easy and straightforward.Once the loan approval was given I was told to expect the funds to reach my account within the next 24 hours and that being the case I might well have received my money before I manage the final clue on this darn crossword!

Review posted by Gayle Manning

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I recently changed jobs and had to give back the company car, a bit of a blow that, still it was expected. I had been looking around for a personal loan when I knew the purchase of another vehicle was inevitable. I am with NatWest but wanted to shop to make sure I was going to get the best deal. Seems that I did. Out of all the lenders NatWest appeared to be the best bank to stick with.I pulled up the usual website where I do my internet banking and read up on the information they would need to apply for a loan. I found the loan calculator tool really helpful as I could look at my budget before I even began the process.It was a simple and easy process and I submitted the application for their decision. They came back really quickly and gave me a quote, which I readily accepted and then a positive decision was received. I am glad I stayed with NatWest, they are a good bank to deal with.

Review posted by Trevor Williams

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I have been a NatWest bank customer for a while now and when I decided that I wanted to consolidate some debts I had, it was logical that I would approach my own bank for a personal loan. They have always been a decent bank to work with, professional and reliable with good customer service.The loan application was understandable and easy to complete. The calculator tool I liked as I could see what I was getting into repayment wise and possible interest rate. When they came back with a quote I was delighted and asked for a decision as I was agreeable to the terms. With swift efficiency they granted me the loan and the money was in my account within two days.

Review posted by Andrew Jones

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I had read up on NatWest literature that if I applied for a home improvement personal loan I would have a maximum of ten years to pay it back. This definitely was a bonus as making home improvements was an expensive undertaking. I had received a quote from a builder so I knew the amount I needed and when filling out the application I just plugged in the same amount. What was handy of course, was using the calculator so I could see the repayment amount and the likely interest rate that I would be charged. So no surprises there.When the quote came back it was just as I had expected and I accepted it and asked for a decision. I wanted to get on with the project so when they approved me, I was able to contact my builder and give him the go ahead. The funds were deposited into my account the next day.

Review posted by Paul Collins

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I did not like my student loans hanging round my neck, it seemed that I would be paying them off for ever. I bank with NatWest and wondered if I should try and obtain a personal loan to pay the loans off, I had never approached any bank or lender before, so was a little bit nervous about it. I talked to my folks about this idea and they encouraged me to try as it would be a good start to my credit history.My dad and I went on line to the NatWest web site and pulled up the loan section. We filled out the application with all the necessary details and I waited sitting on the edge of my seat. Well, I was not disappointed, they came back instantly with a quote and the payment was an amount I could handle. I was so pleased when the decision to fund the loan came back.

Review posted by Sophie B.

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I had been waiting for another of those 0% credit card deals to come through the door but nothing was forthcoming and I thought I had better get a grip on myself and stop transferring balances once and for all. You can get into so much debt with these credit card deals. I know that the NatWest bank offer personal loans and as I have been a customer for quite a while, I figured I would try and get my balances on the credit card consolidated into one loan. I added up the balances and pulled off the application from the NatWest site.The application form seemed pretty straightforward and when I plugged in the amount I needed I used the calculator to see what kind of interest rate and repayment structure I was looking at. It was certainly doable and a better interest than I was paying on the cards. When I submitted the application I just hoped they would approve me.I did not have to wait too long, they came back with a quote, the figures were the same as I had seen on the calculator so I accepted and waited for a decision. Again, not disappointed they approved me and now I could pay off those cards and start to be sensible.

Review posted by Angela Wotten

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I am a client of NatWest and have been for many many years. I have been fortunate enough to never have needed a loan in the past but now that my son decided to go travel across Europe with his sister for a 3 month period, it was time to take out a loan to ensure that they would be financially secure. I applied on line for £7000 as this would give them a little over 1K per month each. I asked to repay over a period of 36 months as this would be an affordable installment for me. I received a positive answer to my application in a question of about 10 minutes which was impressive. The money was in my bank account 48h later. I have to congratulate NatWest and recommend them to anyone in need of a quick decision and quick funds.

Review posted by Phillip Anderson

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The list of things I needed this loan for is quite long and boring so I won't go into them but boring as they may be they were things that needed to be sorted and I wanted to do that before we were into February.NatWest were quick approving the loan but I did procrastinate a bit about whether or not I was borrowing too much and possibly be creating more problems for myself. But I had a very helpful conversation with my local branch's loan adviser who went through all my financial commitments and outgoings before we agreed on a monthly repayment that was easily affordable for me.Once that was done I felt a whole lot happier about the amount I was borrowing and just knowing that it is going to sort all of those boring but important things on my list is a great feeling.

Review posted by Anna Emerson

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Doing up the small spare bedroom as a nursery for our first child was going to be a relatively simple job until we discovered the wife was expecting twins. Unless we put the babies head to toe in one cot it was going to be a bit of a squeeze. The only alternative was to knock a few walls down and steal a bit of room from the second bedroom where our daughter sleeps and a bit off the surprisingly large bathroom that we were already planning to replace with a more modern suite. Before we knew it we had a fairly major building project on our hands and we needed the funds quickly to get started on the work before the babies arrived.NatWest have been amazing and have done their best to push this loan through as quickly as possible. We have just received confirmation that the funds are being transferred to our account today and I can get started on the work immediately.Provided the twins don't decide to arrive too early we should have all the work completed and be able to put our little ones in their own individual cots and bath time for all of us will be more enjoyable in our new stylish bathroom.We just hope our daughter doesn't mind having a slightly smaller room but we don't think she'll really notice it once she reduces it to its usual messy state!

Review posted by Wayne Collins

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This is the first time I have taken on the responsibility of a large loan and I am still feeling quite apprehensive about what I have signed up for. But my logical thinking tells me its going to be ok because the loan has been given the seal of approval by my financial adviser, namely my dad who knows all about my spending habits and the state of my bank account.He may be retired now, but in his day he was a very well respected bank manager and he can still tell an excellent loan agreement when he sees one and apparently I have just signed up for one. So thanks NatWest!

Review posted by Clare A., London

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Making a list of things to do with the money from this loan from NatWest took no time at all because there was nothing to make a list for. The loan is purely and simply to pay back my parents for all the times they have helped me out over the years.They didn't know it, but I have been making a note of every penny they have given me over the past 5 years and I vowed to myself that I would pay them back as soon as I was earning a good enough salary to be able to afford the monthly repayments on a loan.I am in a really good place with my job and this is the perfect time for me to take on this loan. I hope mum and dad make good use of the money and spend it on something special for themselves. They certainly deserve it and I will encourage them to make a list of things they'd like to do and its bound to be longer than my list was because I know they have sacrificed a lot for me.

Review posted by Matt Trainor

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Getting the NatWest home improvements loan and being able to repay it over a ten year period was the perfect solution for us because we were desperate to do the work but really couldn't afford too much in monthly repayments. Spreading the loan out over a much longer period means we will not struggle to find the money each month.We have moved several times since we have been married but we hope this will be the house we spend quite a few years in and we wouldn't be doing that if we couldn't get the work done to make the house just how we want it. Its a good investment for us also because we know it will increase the value of the house considerably.So if we change our minds a few years down the road and decide to sell up we are bound to have made a good enough profit on the sale and won't be out of pocket.

Review posted by Michael Cartwright

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I just wanted to comment on the experience of me getting my personal loan from NatWest Bank without having to leave the comfort of my very comfy chair in my equally cosy study at home.Even though there is plenty of life in the old dog yet, it was jolly convenient for me not to have to get the car out of the garage and venture into town to apply for this loan through my local NatWest branch.Since I got my computer a few years ago I have become more and more adept at using it for all sorts of things that can save me time, energy and not to mention petrol for the car.My children encourage me to use the computer and give me help with anything that I am having problems with. I can now do all my banking online as well, so that will be very handy when managing this personal loan.My car can stay in the garage for a bit longer as fortunately for me, my nearest pub is just a 5 minute walk away and they serve a very nice pint of real ale!

Review posted by Geoff Ecclestone

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I just want to say thank you to NatWest for a competitive loan that was easy to apply for and quick to get a decision on. The money followed pretty quickly as well, and before I knew it I had the money in my account within a week of my initial enquiry.I looked on several other loan websites before using NatWest because I wanted to check that they were as competitive as they said they were and I was pleased to see that they were. I much prefer using my own bank when it comes to getting a loan and it was reassuring to know that I could still go to NatWest and be guaranteed a competitive rate. Nobody wants to miss out on a better deal or be ripped off, especially by their own bank do they?

Review posted by Sally Wealdson

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Thanks to NatWest's online banking facility I was able to apply for my personal loan and manage the repayments easily each month. I am currently working night shifts in my job and sleep most of the day. It's not exactly conducive to dealing with things during normal working hours.But I can spend the couple of hours between catching up on my sleep and getting myself off to work for the nightshift sorting out my finances online and thats how I sorted out getting the loan without too much trouble. I don't know how people like me managed in the days before the internet and online banking in particular.

Review posted by Rhys J.

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My husband and I have just had our loan from NatWest Bank approved. We are borrowing this money over a 10 years period because that is the only way we could afford the loan repayments each month. But it is not going to be a millstone around our neck because we have just moved to this house and the loan is for the various home improvements we want to do.We bought the house at auction and it is in a really bad state but nothing that can't be fixed and we will enjoy getting stuck in and doing most of the work ourselves. When the work is finished we hope to see a real increase in the value of the property and even though we have no intentions of moving it will mean the loan was worth it and the risk we took buying at auction was worth it also.

Review posted by Maureen Amersworth

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Since I've been a customer of NatWest Bank I have had a couple of loans previously but they were quite a few years ago and the online facility wasn't available then. So this has been a bit of an experience for me and I think I quite like this modern way of doing things.My evening classes for computer lessons have paid off and I surprised myself at how easy I found the whole loan application process. I was all ready to ring the customer service department but it wasn't necessary. I got right through the loan calculator bit without any problems and the rest just seemed to follow easily.I enjoyed the whole thing but if I'd not been approved the loan at the end of it all I might be singing a different tune now but fortunately that isn't the case because I have got my loan with a very fair and reasonable interest rate charge, affordable monthly repayments and I can add computer literate to my CV if I ever need to apply for a new job!

Review posted by Kenneth Bridges

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We enlisted our daughter's help when we sat down to apply for our personal loan via the internet but we really didn't need her help in the end. The whole process was much easier than we thought it would be and we both felt guilty for dragging her out of her bed on a Saturday morning when she doesn't normally surface until well past midday!She forgave us and said she was "well impressed" with our computer skills before promptly going back to bed! We were quite impressed too but even more so we were very happy with the rate NatWest were quoting for the amount we wanted to borrow. It was very good and the monthly repayments they were calculating were going to be within our affordability.So, all in all, it was a very good result to our first encounter with online banking and both my husband and I are "well impressed" as our daughter would say!

Review posted by Jill Beckham

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NatWest's online loan application is how we got our home improvement loan. If it wasn't for NatWest making loan applications so easy we might well be still debating the issue of whether or not to take out a loan.We had been trying to do most of the home improvements ourselves but we were struggling and it has been affecting our ability to do our fulltime daytime jobs properly. We'd seen it happen with some of our friends who were trying to do similar home improvements while juggling their careers and here we were making the same mistake ourselves.We'd had enough and that's when the laptop came out and we went online to see what NatWest were offering before we looked at any other lenders websites.The home improvement loan that NatWest were offering was ideal for us and we didn't need to look any further. We just got on with the application and when it was approved we both gave a huge sigh of relief and then ditched the overalls and went down the pub to celebrate.

Review posted by Martin Foster

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We've been with NatWest for long enough to know that we'd not feel comfortable going to some one else for a loan. NatWest manage our money well for us and we have a small business that NatWest have helped us with over the years especially when we first started out with it. The gave us such good financial advice at the beginning and they continue to do so to this day.They repay our loyalty with low interest rates on our loans that we take out from time to time and they make sure we can afford the monthly repayments on them so that we dont fret about it each month.We're taking out this particular loan to pay for a trip to America to see my sister and her family and NatWest have given us yet another good loan and have put together a travel insurance package for us as well which has saved us a lot of bother.

Review posted by Brenda Roach

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My NatWest loan has come through finally and I am really really pleased with how it has all be handled. I thought it would take much longer because I heard that the credit history checks can take ages. But I don't have much of a credit history to check so I suppose that is why it went through so quickly.This is my very first loan and I have only been in full time employment for just over a year after leaving college but I have been with NatWest since I was still a kid doing a paper round and they know me at my local branch because my mum used to work for them.My loan is to buy a car and it will be my first big financial commitment but I know that NatWest have given me an affordable loan so I am just going to get on with finding my new car and I'll be sure to pop in to my local branch and tell them what car I bought and say Hi from my mum.

Review posted by Benny Jackson

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This is a great end to my week getting the approval from NatWest for my personal loan. I have been on edge all week worrying that something might scupper it and that I'd have to start looking all over again for a competitive loan.I didn't want to have to resort to a lender that I haven't used before and my bank were always going to be my first choice because it would be easier for me all round to get the loan from them and be able to manage it like all my other banking online.I was worried that my credit history check might be an issue or that my current credit card debts might be a problem. But NatWest could no doubt see that I have no problems making my monthly repayments and have never missed a payment which might have affected my credit score if I had.The loan is approved now so all my worrying was for nothing but it doesn't do to be over confident especially when you are at the mercy of your bank!

Review posted by Beth Watkins

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I used NatWest's loan calculator tool first and then when I got a rough idea of what a loan was going to cost me I decided I could afford the repayments and so I got straight on to the loan application before I lost my nerve.This is the first loan I have ever taken out and I am borrowing the money to buy an engagement ring for my girlfriend. It's the only way I could afford to buy her a decent size diamond that she wouldn't need a magnifying glass to see. The ring I have in mind isn't quite up to the 'celebs' standard but it is a nice size in a beautiful setting which I just know my girlfriend is going to love.I'm not worried about making the proposal, we have already discussed getting married. I was more worried about getting approval for the loan but now that's no longer a worry I shall concentrate on finding a unique way of proposing so that I catch my girlfriend completely off guard because I still want to surprise her a little bit.

Review posted by David, West Wickham, Kent

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Having been with Natwest for a number of years I was going to apply for a personal loan to cover the cost of a trip I wanted to take with the family. I have not applied for a loan before and was a little hesitant to do so in person. So I thought I would go on line and see what the process was all about.I found the internet banking page that dealt with loans and pulled up the application form. It read pretty simply and I could understand all the criteria that you had to meet. I only wanted a short term loan so filled in all the relevant boxes. I submitted the form and wondered what would happen. Was I surprised when in a very short time, I received a response giving me a quote for the personal loan I was asking for. The terms were really good and I accepted and asked for a decision. They approved me and by the next day, I had the money for my trip. Fantastic, I was over the moon. Thanks NatWest.

Review posted by Trent Woolcott

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Planning a wedding is a bigger deal than I every imagined. Things were coming along quite nicely, although it was a lot of work, but I did not realize that you needed so many deposits to be paid almost immediately. I had picked all the things and places I wanted and did not want to loose the chance of them, so I figured the only way to reserve these items was to obtain a personal loan and get the deposits paid down.I have always been pleased with my bank, NatWest, they are pretty informal and have pleasant staff to work with, however, I decided to go on line and look at what they had to offer in loans. I was able to use their calculating tool to see what sort of terms I might be getting, the terms seemed reasonable. I filled out the application and submitted it for a response. Within a short time I had an answer and they approved my loan request. They said the money would be in my account by the next day, and it was. I was really happy that I could go ahead with my plans.

Review posted by Emily Sacher

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The NatWest bank has a number of financial services that customers can avail themselves of and I for one wanted to take out a personal loan. I have a mortgage with them already and a savings account, so believed I had established myself as a good customer.I had some credit card balances that needed to go away, very foolish of me to have entertained them when their interest rates were so low or even in one case, a 0%. So I went to the NatWest banking page on line and pushed the buttons for a personal loan. The application was easy to complete and I plugged in the amount I needed to cover the debts I had, the calculating tool was a really handy device and helped me with my budget figures. After a short while having submitted the form, I received a reply which offered me a quote and then an instant decision. This was an efficient and easy process.

Review posted by Marilyn Dober

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I applied to the NatWest recently for a car loan and was so pleased with the reception I received that I just had to write about it. What extremely pleasant staff, very welcoming and helpful despite the fact that I was on the phone. I wanted to make some inquiries first before going on line to fill out an application. I had several questions that I needed to clarify, so by the time I did go on line I was ready with the right answers.Their online personal loan process was easy to understand and it was great to be able to use their calculating tool to see what kind of terms I might be offered. I was able to pick and choose the amount of the loan and over the period of time I thought it would be doable to pay off. It felt like I was in charge. Anyway, I sent off the forms and within a few minutes they came back with a quote and a decision. This was so stress-free it was a pleasure doing business with NatWest.

Review posted by Peter H.

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The next thing on my to do list was some home projects, I was planning on taking some time off work to do these jobs and knew pretty much how much I was going to need for the materials. I am a do-it-yourself person so I would not need funds to pay anyone else, I figured I might get away with a loan from the bank to achieve this goal.I have been a NatWest customer for several years and knew that you could get an extended term on home improvements, but I wanted to see just how much the repayments would be for any term of a loan. So when I went on line to their website, I was able to use the loan calculator tool to work out what the best term would be. Having established what I thought was a doable amount I submitted the forms and shortly thereafter, NatWest came back with a very reasonable set of terms and conditions. I was very impressed and accepted their offer of a personal loan.

Review posted by Derek L.

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This is the first time I have taken out a personal loan with NatWest but the overall experience has been quite good and I believe I have got a very competitive rate on the loan compared to some of the loans my friends have taken out recently.I'm not sure where I went right and they went wrong because I just did a quick online search to see what the going rate was and when I went to my bank and they were more than happy to offer that.I like being able to go through my bank for this loan and I will be able to keep an eye on things through my online banking each month so there shouldn't be any problems for me.

Review posted by Corinne Hudson

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I can't remember exactly when I took out my first loan with NatWest but it was quite a while ago and there was no online application in those days. But apart from that there doesn't seem to be too much that is different with what NatWest are offering in terms of competitive rates. They are still managing to stay competitive even though there is a lot more competition out there. That's all I was hoping for when I applied for this loan because I didn't want to start haggling for a lower rate or end up going to another lender. I've saved myself a lot of time and effort and NatWest have kept me happy with them for a bit longer.

Review posted by Martin E., Biggin Hill

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We think we have got a very reasonable deal with this loan from NatWest Bank. We have just looked again online and there really isn't anything available to us that beats the rate we are borrowing this money at. We think that having a good relationship with our bank and being responsible with our credit score rating has paid off for us because we know friends that have come unstuck because of poor credit scores. We are being rewarded for having a good score and that makes a lot of difference when you are looking for the best deal on a personal loan. We are pleased it has worked out so well for us.

Review posted by Graham, Cheltenham

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We are looking forward to the Summer more than ever now because we have got our personal loan from NatWest approved and we can go ahead and book our villa and flights before the prices go up. It isn't every year that we can get away so when we do we like to make the most of it and spending two weeks in a beautiful villa with it's own pool is our idea of heaven.We are hoping our daughter and her husband can join us for a week because we think the villa is too lovely to keep to just the two of us. If they can't afford the flights I'll tell them to get a loan like we did then they have no excuse for not joining us.

Review posted by Brenda Evesham

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Every couple of years we take out a small personal loan with NatWest Bank to pay for a holiday abroad. We can't afford to do it every year much as we'd like to but a lovely holiday in the sun every two years is better than no holiday or a wet and dreary one in the UK when the weather let's you down.We have used NatWest because they are our bank and they always manage to give us a fairly competitive interest rate and we do keep a check on what other lenders are offering but so far NatWest have been good enough for us.

Review posted by Kim H.

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This loan is for home improvements which we will be paying back over a 10 years period but we will just take the monthly repayments in our stride because we know that at the end of that 10 years we will almost certainly have doubled the value of this once very modest detached house.We've seen what the neighbours have done with their houses and when one of them comes up for sale we can hardly believe what they are selling for. Some of them are no where near as good as ours will be once the work is done and even the extension we have planning for is going to almost double the ground floor area.This loan is going to be worth every single penny we are paying and I think NatWest know that which is why they were more than happy to approve the loan. They know good business sense when they see it and they know they'll get their money back without any doubt.

Review posted by Geoff Palmer

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I bet I'm not the only bloke that has just taken out a loan big enough to pay for a nice car but is in fact to pay for an engagement ring.It hurts me to think what I could be doing with all this money I have just got from NatWest but if I don't propose to my girlfriend now I might not have a girlfriend to propose to soon. She's been dropping hints and I know she will pretend to be surprised when I get down on one knee but really she will be expecting it and who am I to disappoint her. After all I love her more than I would love a new car and when I finally pay this loan off we should be married and that is the best incentive in the world for me.

Review posted by Ryan Lewis

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Cars are my life and I wouldn't want to be doing any other job than the one I am doing now and that is selling them at one of the best car dealers in London. Occasionally we get cars that come in as part exs for our new cars and this month we got a a real peach of a car that is 5 years old but in mint condition. I asked my boss if I could buy it and he said I could have it at trade price provided I got the cash in a week to pay for it. So I boxed clever and borrowed the money from my dad short term and applied for a loan with NatWest. It was a bit risky because I couldn't guarantee my dad that I'd get the loan but he said he'd lend me the money even if it meant me paying him back monthly. Fortunately for my dad I did get the loan and NatWest have just advised me that the cash is in my account. So I've got my car, and my boss and my dad have their money and its win win win all round.

Review posted by Jamie Collins

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We're using our NatWest loan carefully, we're not blowing it on one thing, we have a list of things that need to be done and the loan has to be spent wisely if we are to put it to the best possible use. We've made a list and we have prioritised things so that if we do run out of money the most important things will have been covered first.Top of the list is a fortnights holiday in Spain followed by a new bathroom suite and then some new wood flooring for the hallway. Now depending on how much the holiday in Spain sets us back we might have enough left for some new garden furniture and a bigger garden shed.But to be honest, the holiday and the bathroom suite will be brilliant and the rest we can do without for a bit longer if we have to.

Review posted by Paul, Dartford, Kent

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We are delighted to have got the home improvement loan from NatWest. We wouldn't have been able to afford it though if we hadn't been allowed to pay it back over a 10 period. We'd have to have borrowed less and that would mean compromising on the work we wanted to do to our house.We plan to do a lot of the work ourselves but the important jobs need to be done by the professionals and that is where the bulk of our loan money will be going. Good tradesmen don't come cheaply and we don't want any cowboy builders getting their hands on our house. It could end up costing more to put things right if you a get someone who does a bad job. We've seen too many programs about that very thing so we won't be making that mistake.

Review posted by Anna Critchley

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I just wanted a simple no frills loan to pay for my holiday this Summer. Then, before I could apply for it, my car broke down and I was looking at the cost of at least two holidays to get the damn thing fixed. I had to rethink the whole loan thing and decided that I should play safe now that I was borrowing considerably more money.My own bank NatWest was the safe bet and although they aren't giving the best rate on this loan, it is still pretty good because it comes with a repayment plan that suits me very well. It means I'm not paying back much more than I would have been with the original amount I planned to borrow, its just going to be over a longer period.So the holiday is not going to be sacrificed at the expense of getting the car fixed and I have to thank NatWest for sorting out this convenient loan for me at such short notice enabling me to get my car back on the road quickly.

Review posted by Chrissie N.

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My NatWest personal loan didn't take very long at all to apply for and get the all important approval. It was literally just over 24 hours. They promised the funds would be in my account within the next working day, which would be a Friday, but my money didn't appear in my account until the following Wednesday.There was no great urgency with this loan for my part but it is frustrating when it all goes really well and then it stumbles at the last fence, so to speak. I suppose I shouldn't be complaining too much because if I hadn't used the online loan facility and just gone to my local NatWest branch I might well have had to wait until that Wednesday just to get an appointment with the Loan Adviser.

Review posted by David Crosbie

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I thought it would be harder for me to get a personal loan because of my age but it wasn't a problem and as I've been working full time since I left school at 16 I am nearly qualified in my job and my salary is pretty good for someone that is only just 20.I think that's why I was able to get such a great loan from my own bank and NatWest have a pretty good idea of what state my finances are in and they seem to think they aren't too bad at all.I am being rewarded for my thriftiness by being able to purchase my first brand new car and I couldn't think of a better way to spend my hard earned money than on a loan that is going to allow me to drive a brand new car when most of my friends are still using public transport or driving around in rust buckets.

Review posted by Matt Lewis

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My personal loan has just been approved by NatWest and they are depositing my money into my account today. I can't believe it has happened so quickly because I only applied last week and then we had the weekend and nothing usually gets done after 4pm on a Friday especially in banks. They must have very eager people working for them and I am not complaining. If I hadn't got the loan from NatWest I would have started looking on the internet for another lender and maybe wasted a few more days before I found another lender so I am really grateful to NatWest for getting me my loan so fast.

Review posted by Ramone Perez

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I am a NatWest client and have been for a number of years. It was NatWest that I approached for a pretty substantial loan to do some home improvements. The amount I asked for was £12000. I also chose to repay the loan over 5 years which suited the family down to the ground. We knew that whatever we were spending on the house would only increase it's value so felt very happy with what we were doing.After about a fortnight the loan was approved and we had access to the money very soon thereafter. What we also did was sign a standing debit order as we certainly did not want to default on the payments in any way.We love the way our home looks and it's all thanks to NatWest!

Review posted by Chris Drayton

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I was left my grand fathers old farm house a few year ago and slowly we have been making some improvements when we have the time and money. My son is about to turn 18 years old and is planning to take 6 months out before he goes to university next year so we have decided to fix up the farm house so when he comes back he has some where of his own to stay. There is alot of work that still needs to be done and husband has taken 2 weeks of work to do most of the small jobs him self but we need a builder in to put up a new roof. The renovations are going to take a few months in total to get everything done before we can start to redecorate and get more furtinite in there before its even close to get ready for my son coming home.I went to my own bank for the money I needed , I have been with Nat West for years and I was looking to borrow more than 10 thousand pounds so I wanted it to be with someone I knew and could trust. Nat west has been my bank and morgtage provider in the past so I know exactly who I am dealing with and the paper work and money was all organised in my local branch. There is alot of hard work my husband needs to do now before I can get in there and work my magic and add a homely touch to the place. I hope my son is happy when he sees what we have done for him and given him is own place rent free he has some freedom and responsibilities to learn.

Review posted by Mrs T Daniels

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When i needed a loan i applied with my own back and to be honest i think that is why I was able to get such a great loan from the NatWest. I was a little worried about getting approved for the loan as I'm not blond and I understand my own financal state. But since recently I was approved for a £3400 loan I think that maybe NatWest seem to think that my finances are not as bad as I once thought they were. This loan will be a huge help to me and my family at this time of year so I am greatfull my bank had faith in me and gave me the loan.

Review posted by Cameron

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We changed our mind about moving house and decided instead to extend our existing property. Before approaching our bank for the loan we employed an architect to draw up and submit plans to our local council. There was no point in borrowing the money if we couldn't get the planning permission.All of this has taken over 6 months and we really wanted to have started the work by now so we had to get a move on and get the funding to get the work started and to pay the architect for the work he had already done. We just hoped our bank was going to co-operate and give us this loan.NatWest were very co-operative an we really needn't have worried so much. Their loan adviser was most helpful and after showing him the plans for our extension and the quotes we had received from various building companies they were more than happy to give us the loan.Within less than a week of our meeting with the NatWest loan adviser we had the funds in our account and were able to get started on the work which we are hoping will be finished in time for the Summer when we are planning a huge family party to celebrate my mother's 90th birthday.

Review posted by Mr & Mrs Young, Esher, Surrey

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I don't pay much attention to what banks profess to offer in their TV ad campaigns. They all appear to offer the same marvellous deals for various financial services. They're not likely to say otherwise.I simply believe that if you are with a bank that you are satisfied with then you should be able to get the best possible deal, whether it be a mortgage or a personal loan without having to bend over backwards for them.I'm pleased to say I didn't have to bend over backwards for this personal loan I have just been approved by NatWest. In fact I didn't even have to leave the house to get it. I did the whole thing online and got it approved within 48 hours and then another 24 hours later the money was in my account.Maybe NatWest should put my personal experience into one of the next TV adverts and at least I for one would know they were being truthful about what they are offering their customers.

Review posted by P. Walton, Lowestoft

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I started my gardening business several months ago as a side line to my nine to five office job. So far, all the work I've got has been through friends and recommendations. Now that I know the business is viable, and I have a small base of regular customers, I want to cut down my hours at the office and really make a go of it. I needed some extra money to get some leaflets printed and to pay someone to help me get the website more noticeable. Natwest had some great offers advertised at the time, so I made a loan application with them. They didn't even ask what I was taking out the loan for, and simply gave me an approval based on my monthly earnings and good credit history. Very easy service to use, and I'm another satisfied customer.

Review posted by Sue Greenley

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I had an accident whilst at the gym a couple of weeks ago, which has meant I haven't been able to go to work, and still need to take some more time off yet until I'll be fully recovered. I have taken a certain amount as 'sick days' which I will still receive some money for, but there will be a loss of earnings in comparison to my usual monthly income. Because of this I have been struggling to pay the bills, and then someone told me about loans with Natwest. It's perfect for this kind of situation, where I'm struggling with my finances but it's not my fault. They've lent me the money I need, and we've come to an agreement that suits my salary as to how and when I pay it back.

Review posted by Rita Haylen

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I had been planning the extension on my home for years, so when I finally got the plans drawn up, I began looking for a loan to finance it. I really wanted it all to be perfect, and exactly the way I had imagined, without having to worry about what it cost. I have a good credit history, and a substantial income, so was hoping to be able to get a loan which reflected that. That's what appealed to me about Natwest, they had an option to take out a loan of £25,000 repayable over a term of seven years. When I began applying for my loan, I was even informed that loans for home improvements can actually be repaid over ten years, so this was the perfect solution for me.

Review posted by Addie Grately

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I have to admit I'm normally terrible at remembering to leave reviews, yet whenever I'm looking for a specific service, I always want to read some! I think reading about people's personal experiences with a company speaks volumes, and normally holds far more valuable information than any kind of advertising campaign can offer. This is what made me choose Natwest. People always seemed to have something positive to say about them, and a lot of people had commented specifically on how easy it was to deal with them, and how incredibly quick the transaction was. Well now I'm another one they can add to their list of happy customers, as I really cannot fault the service I received.

Review posted by Tracy Spinner

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One thing that I really loved about the service that Natwest offer was the fact that I could manage everything on the internet. I made the application for my personal loan online from the comfort of my home, and after my approval, I went on to my online banking and saw that the money had been transferred less than twenty four hours later. Following this I was able to log in to my account and see what payment was due and when, and how far through my repayments I was. For a control freak like me, it was really good to be able to keep an eye on everything and know what was going on.

Review posted by Arya Lexhis

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Now that the children have all flown the nest, my husband and I decided we deserved a nice romantic holiday. The house felt really empty without them around, but at the same time it was nice to have some freedom again. We have always felt guilty spending money on ourselves, as there is always something the children seem to need. As we have always been sensible with money, our credit rating is good, so there were no problems at all getting the finance we requested with Natwest. The transfer in to our joint account was really quick, and we've already booked our well needed break.

Review posted by Emma Allister

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I have been a customer of Natwest ever since I was old enough to open a bank account, and I have always been a satisfied customer. When I was struggling to pay all my bills, I went in to my local branch to find out about an overdraft, but the member of staff I dealt with informed me that I would actually be much better off with a personal loan. It was so nice to be told what the best option for me really was, as they could have just as easily let me take out an overdraft which would have cost me much more in the long run.

Review posted by Adele Finchley

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My recent back problems were attributed to my very lumpy mattress which was long overdue for being dumped at the local council tip. Once that was diagnosed the next thing was to buy a new bed and thats when I got the shock of my life when I realised how much a good mattress costs these days. Add on top of that the cost of a suitable bed frame and we are talking about the price of a small second hand car! But as the recent ads are telling us you should change your mattress every 8 years and so I figured if I was sleeping on something for that length of time I might as well get the best I could afford and thats why I had to take out a small personal loan with NatWest. I've slept on my new bed for the first time and I have to say it was worth every single penny I spent on it and because I managed to get a really good deal on my loan with NatWest I will probably be sleeping very comfortably for quite some time.

Review posted by Polly Brightwell, London

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NatWest really do surprise me at times. Just when I think they are not performing well they turn around and offer me one of the most competitive rates on my personal loan. I nearly went with another lender before checking out NatWest because I just didn't think it was worth the effort then I had a spare few minutes at work and just did a bit more inquiring and boy am I glad I did. I would have missed out on this really competitive and affordable loan just because I didn't give NatWest the benefit of the doubt beforehand. I won't make that mistake again, especially as I will be looking for a mortgage in the next year or so. I'll go to NatWest first and see what they can offer me and hope its as good as this personal loan.

Review posted by Ozzie Miller, Kent

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I think most banks if not all banks go through peaks and troughs and NatWest is no exception, but overall they have been a good bank to be a customer with.This personal loan they have just approved for me confirms that. It's in line with the other banks for competitiveness so it really wasn't worth me going with another lender. Being a long term customer of theirs meant I was well known to the staff at my local branch and whilst I did the application online, I finalised everything down at my local branch just so that their loan adviser could run through the terms and conditions with me before I signed on the dotted line. I think I can say with certainty that this loan is very satisfactory and I am glad NatWest were able to provide such a fair and affordable personal loan for me.

Review posted by M Steinbrooke, Finchley

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Thank you very much NatWest for this extremely favourable loan. I should have just gone to you immediately for this loan but I chose to do some research and spent a rather tedious afternoon trying to find the perfect loan but found that you were always going to be the best option for me. Still at least I know for next time and when my husband sits down to start looking for his car finance loan this evening I shall remind him that our own bank is offering competitive loans at the moment and hopefully that will save him wasting his time searching online. If it doesn't then he's only got himself to blame.

Review posted by Hilary Beaumont, Guildford

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I am glad I chose to bank with NatWest. When I first moved to Britain there were many options for me but I liked the people in my local bank where I would go to deposit the takings from my employers store and he was insisting that I open a bank account with them to receive my wages.Now 6 years later and I have my first loan with NatWest who trust me as a customer enough to give me the loan to buy a new car. I think my employer has good choices with banks and maybe he will give me some more good advice so that I can soon be as successful as him.

Review posted by Jan Pitrov, Maidstone

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NatWest approving this personal loan for us has solved the problem of how to afford a summer holiday this year and replace the family car which is on its last legs so to speak.We have to have our annual holiday otherwise by the time we get to Christmas we feel as though we have been working all year for nothing except blowing what little bit of money we have saved on Christmas presents for all the family.The car situation couldn't be ignored either, so the loan to cover both expenses was our only option. We had a quick look on the internet to see what was on offer but went with NatWest in the end because they were offering good rates and we felt happier taking the loan out with our own bank.We applied online and everything went smoothly, resulting in us getting the money in our account two days later. The holiday and the new car are a reality now thanks to this great loan from NatWest.

Review posted by P J Carr, Slough

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The advertised service makes it appear simple:Have an online account, apply using that. I did.Decision within minutes. Well that might have been the case but discovering what that decision was for certain took two days.Money next working day. Well I'm being told 48 working hours!Yesterday 8.30am, approved in principal. Yesterday 4pm, I can see the loan account setup, will show up tomorrow first thing with funds in your account. Today 9am, funds will be 2pm. Today 2.10pm, funds will be 3.30pm. Today 3.45om, funds will be end of tomorrow. Today 4.30pm, funds will be 6pmTheir staff have no idea what is going on. Very thankful Natwest will loan me money, but I'd rather be sold a product based on facts so I didn't get messed around and equally I didn't end up messing someone else around (I am buying a car and have myself in turn broken several promises).A very stressful experience, not one I will ever wish to repeat.

Review posted by Neil FS

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Applying for and getting my personal loan from NatWest really was as simple and as straightforward as they said it would be on their website. It also came with an APR that was in line with the other high street banks and so I was more than happy with that. The terms and conditions of the loan are also acceptable and so there is nothing about this loan that makes me feel I could have got a better deal somewhere else. I especially like that I can manage this loan with my internet banking. NatWest really do seem to have got everything covered with their personal loans at the moment which is one of the reasons I continue to bank with them.

Review posted by John Barker, Westcliff-on-Sea

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Having banked with NatWest for the past 35 years I would have been pretty ticked off if I hadn't been able to get a decent personal loan from them. I had looked on several loan comparison websites so I knew what the going rate was for a mid range loan and I wasn't prepared to pay more than I had to for it. Fortunately I haven't had to take NatWest to task over the matter because their online quotes were fairly accurate and I did indeed get the APR I was hoping for when they approved my loan application. The funds have today been put into my account and the loan is now up and running so to speak. I'll be managing and monitoring it with my internet banking so I think it should be a problem free and affordable loan.

Review posted by Gordon Strachan, Tonbridge

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I didn't realise that NatWest are apparently the UK's largest commercial and retail bank and as a customer of NatWest Bank for over 20 years I don't necessarily think that being the biggest means they are the best but they must be doing something right for me to have stayed with them all these years. Certainly the personal loan they have just approved for me is a good enough reason to stick with them for a bit longer.They are giving me a good rate with this loan and being able to manage it myself with my online banking facility makes it very convenient for me. If the rate hadn't been to my satisfaction I would definitely have looked for another lender but a quick search online showed me that NatWest were on a par with the other high street banks as regards to interest rates so that was all I really needed to know before going ahead and applying for my personal loan with them.

Review posted by Colin Fenton, Islington

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Rather than move house we decided to get a substantial loan to do a complete makeover. This made more sense to us because we loved the area, our road in particular is very quiet and we have lovely neighbours. The only thing we weren't happy with was our old kitchen and bathrooms. If we could get an affordable loan that would allow us to install a new kitchen, two new bathrooms and give the rest of the house a new coat of paint, so to speak, we would be happy to remain in the house where our children grew up for another few years.We had a look on the internet to see what sort of rates the main high street lenders were advertising before we approached our own bank. According to the NatWest website their interest rates seemed to be in line with the other banks so we decided to get our loan from them. We've been customers of NatWest all our married life so it felt right to be getting our loan through them.We had our loan finalised today and NatWest have told us the funds will be available to us within the next 24 hours so we just wanted to post our review to say a huge thank you to them for processing our loan so quickly and giving us a very good rate. At this moment in time we are very glad to be NatWest customers.

Review posted by Jeffrey Garrison, Maidstone

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Lately I'd found myself a little restless and desperately wanted to take on a new project around the house or garden to help fill my free time. After much thought I set my sights on what I wanted to do and started looking into materials and building costs, before I knew it I'd (mentally) spent more than I'd expected too. Realising I couldn't afford it on my own I asked a few friends if they had used any small loans companies and if they had any ideas on how to raise the money. Several of my friends recommended Natwest, I was a bit dubious at first as I thought such a large well known bank would be more for large loans when I didn't need more than 1-2 thousand pounds. But much to my surprise that wasn't the case at all. I felt very secure using such a large bank and the staff online, over the phone and in my local branch were amazing and so helpful. I'm so glad I decided to pursue getting a loan with them.

Review posted by Jackie H

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A few of us girls have had a pretty rubbish start to the year with break ups, redundancies, sickness and losses. So we decided as a group that we needed a long weekend away to heal and laugh. We wanted a no holes barred kinda break with luxury to the max! We quickly found the perfect get away at this phenomenal retreat and spa, of course it cost a fortune but we didn't care we were all prepared to get small loans to have a well needed rest. Funnily enough a few of us who didn't have family we could borrow off chose to look into a personal loan but with all different companies! I chose Natwest because I knew they had a good reputation and I'd used them before with a great out come... A few of my friends had a nightmare! Should have gone to Natwest LOL!

Review posted by Sophie B

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My children are 14 and 16 so I wanted one last family holiday before they are grown up and only want to go away with their friends. I am only recently back in work after being off with illness so I decided to borrow the money. My brother had recently taken out a loan so I asked him to recommend a lender. He recommended Natwest so I applied to borrow £4000 over a 36 month period. The application was easy and a decision was made straight away. The fixed interest rates weren’t bad at all and the repayments are affordable. Definitely the bank to go with.

Review posted by Sophie Preston

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Even though there are loads of lenders to choose from when you are looking for a personal loan it doesn't necessarily mean it will be a straightforward process and I've found that out myself. That's why I have ended up going to my ow bank for this loan even though I found loads of different lenders advertising lower rates. In my particular circumstances the advertised rate was nothing like the rate I got quoted and I soon discovered that once these lenders start programming in your personal details and do their credit history and affordability checks that rate changes and invariably rises. So I decided to go back to NatWest who I have been banking with for over 20 years and just asked them to give me their very best quote for the loan amount I needed. It was as good and in some cases better than all the others so I went with it and I am very glad I did. My loan is sorted and I can manage the repayments online. Thank you NatWest!

Review posted by Gayle Anderson, Islington

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Hubby works abroad a lot and most of the day to day finances are left to me so when we decided we wanted to get a loan to pay for a new kitchen I was more than qualified to find the right loan. I made a big show of scouring the internet for competitive loans but I always hoped to get the loan through our own bank if they were quoting a competitive enough rate. I am delighted to say NatWest were and I've just had the loan finalised and the money deposited into our account. Now the one task I am 100% qualified to deal with is the planning of our new kitchen and hubby won't be getting any say in the design of a room he hardly steps foot in unless its to raid the fridge after a night out with his pals!

Review posted by Mrs Janet Walker, Luton

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My personal loan from NatWest was planned in advance because I like to do plenty of research before committing to something as important as a building extension. I wanted to make sure the loan would be possible and that it was at a competitive rate before I started employing architects and builders. I was in regular contact with our local branch's loan adviser and they finally sorted out a very good loan for me and once that was agreed I got on to the job of planning this extension. We'd already had the go ahead from the local council so it was all systems go once that all important loan was finalised. Sometimes it's best to deal with your own bank for such an important loan and I am pleased that I entrusted NatWest with my loan.

Review posted by Wayne Crouch, Plymouth

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