Yorkshire Bank

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Company Information

  • Company Name :
    Yorkshire Bank
  • Website Address :
  • FCA IP :
  • Business address :
    30 St Vincent Place, Glasgow G1 2HL
  • Phone number :
    0800 707 6471

Yorkshire Bank (YBonline.co.uk) offer one of the most flexible personal loans from any high street bank. They claim their personal loan, which has a representative APR of just 4.9%, is available for “any purpose”. This makes it ideal for circumstances that might turn up the noses of more picky lenders. With instant online decisions available, as well as the ability to go into a branch if you prefer a more personal approach, this is a good option no matter how you prefer banking. The loan can be paid into any bank account, so you don’t even need to be a Yorkshire bank customer.

Loans are available up to £25,000, but loans are more frequently made in the £7500 to £15,000 range. Typically loans are made for periods of between one and five years, although loans of £15,000 or more can be made over six or seven years when used to repay existing loans from Yorkshire Bank. Flexibility is a key factor when deciding on a lender, and thankfully Yorkshire Bank offer early repayment options should your financial circumstances improve with a early repayment charge of just 58 days interest or less.

Interest rates are fixed for the duration of the loan, so you won’t be a victim of changes to the Bank of England base rate or the whims of the bank. With most borrowers able to achieve a relatively low 4.9% APR interest rate this could be a great option for those needing a loan to make an investment in themselves or their property, or simply needing a way of reducing the interest they’re paying on other debts.

Eligibility requirements limit the loan to those between the ages of 23 and 74 – with the exception of existing Yorkshire Bank customers who can take the loan out from age 18 – and require the borrower to have a minimum annual income of £15,000 or greater. Interest rates will vary based on circumstances, as is the case with the vast majority of financial products, so ensuring your credit score is as good as it’s going to get before applying is always a good idea.

239 Reviews of Yorkshire Bank

After struggling with credit card debt and unable to find another zero percent balance transfer option after the financial crisis I decided it was time to switch to a personal loan. After all the interest rates advertised were only a fraction of what my Barclaycard charged each month. I'm usually the type that compared offers, but my bank (Yorkshire) had a good rate so I decided it would be less hassle to go with them. After all they had more financial data on me so hopefully would be more willing to approve. I was a bit worried that not owning my own house might stand against me, so was a little surprised when they approved me. A short time later the £9000 I'd applied for arrived in my bank account, and I immediately transferred it to Barclaycard to pay off my credit card debt. This took almost a week to process, during which I was charged interest - but that's really belongs in a future review of Barclays not here.So I'd consolidation my debt, as they say, and now had a relatively low interest rate and fixed monthly repayments rather than the more standard credit card minimums. It was a bit of a shock to my budget at first - I had to cut out a few luxuries such as the occasional coffee shop brew at lunchtimes - but at least I knew I'd be better off in future with my interest reduced and not a dead weight on me.I'd taken out the loan for five years as I wanted to ensure it was manageable. This obviously meant paying more interest, but I knew I couldn't really afford higher monthly payments. This was a good decision, but two years into the loan a family tragedy struck. Sadly my dad became ill and passed away. While he was by no means rich, he did have some savings and his will gave some of this to me and my sister as well as mum. This was enough to pay off the loan, but I was worried about early repayment charges. I went into the branch to speak to the manager, and was relieved to hear that the charge was less than two months interest. I paid off the loan immediately and put some of the savings away into an ISA, as well as taking a well deserved holiday - I hadn't been abroad in almost five years at this point! I'd totally recommend Yorkshire Bank for loans, there might be others who are better but for me they offered the lifeline I needed to cut my credit card debts and I'm grateful for it.

Review posted by Gillian Smith

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As a Yorkshire girl, I wanted to show a bit of loyalty so I had a look at Yorkshire bank. There’s a branch in my home town and it was so easy to arrange a loan, I couldn’t quite believe it. You can do it online but I wanted to ask a quite a few questions and so popped into the branch and had such helpful service. I’m not sure if I could have got a slightly cheaper loan elsewhere but can’t see how I’d get better attention. I’m not big on doing things online and like to look people in the eye so having someone explain it to me whilst I sat there was perfect. The forms were easy to understand especially as I had personal help, and the decision was immediate. Their loans are also for any purpose, so you can do anything with the money, and as I was over 23, I had no issues at all. (Yorkshire bank actual customers can do it from 18 by the way). The income requirement is a bit higher than other banks too but was fine for me. It’s probably also checking your credit score before you apply as you might get refused straight away if it’s poor, but most of us would have no problems here.

Review posted by Emily Allan

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Congratulations to Yorkshire Bank for making my day last week! Even though there are personal finance companies who charge lower interest rates, I would have to always choose Yorkshire Bank in future. The service that I received from them was fantastic and it was insanely easy to navigate the online application portion of the website. I filled out the application, got my approval, sent the relevant documentation and the next morning I woke up with the money in my bank account.I was just really testing the waters when I applied, but since i was approved, I decided to spoil myself with the extra cash. The amount that I have to pay back monthly is really low and it will not affect my budget much at all. I am a happy customer and will use this company again in the future. The future may be uncertain, but the help that you get from Yorkshire Bank personnel is certain. These are people that you can put your trust and faith in, especially when you really need it.

Review posted by Andrew Leonard

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The great and rather unique thing about this bank is that you do not have to be a member of their bank or have a bank account with them in order to receive a loan from them. Another unique feature of this bank is that the unsecured loan, which means there is no collateral if the loan isn't paid back, is often approved very easily, you don't even have to be a homeowner to get one. The process is also very quick, if you use the online service, you can even get instant approval and the money will be in your account after just a few days.The bank has a competitive representative APR of 4.9% which is very good compared to many of the other banks that are out there offering personal loans. There is a large range of money you can lend from £1000 to £25,000 which is a very common amount for a personal loan and very good when you consider that approval isn't hard to come by. There is also a flexible period in which you can choose to pay the loan back in, from 12 to 60 months.The loan is also extremely flexible, so if your financial situation does change, then you can pay your loan off early, with a relatively low charge of just 58 days interest. The bank is very flexible compared to most others on the market. Their interest rates will vary with the circumstances and you must have an annual income of over £15,000 to get a loan, but this is virtually the only requirement.

Review posted by Alex Rees

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I was approved for a loan from Yorkshire Bank last week. As I am only 18 years old, I am really over the moon about it. Yorkshire Bank holds my current account as I live in Leeds and it's our local banking service. I only started my first job in July and so have just had a few months salary into my current account so far.I need to buy a car to get to and from work as the buses don't run too regular. I spoke to the customer service girl at my local bank branch and she said that I could apply to them for a loan as I am a customer. They don't normally give loans to anybody under the age of 23.I made my application for a loan there and then while I was in the branch and the girl told me after just a few moments that my application had been successful. I was really happy as I get to take advantage of a really good interest rate of 4.9%APR on my loan. I had thought I would need to borrow from a payday lender or something like that, so was expecting to pay anything around 30%APR.Getting my loan application accepted so easily and quickly has really added to my self confidence. My dad is spending all weekend coming out with me to look at cars, so I will soon be driving my own car to and from work. I'm starting to feel like a real grown up!

Review posted by Josh Harding

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Yorkshire Bank offer a competitive APR representative of 4.9% for loans of £1,000 to £25,000. Loans can be taken out over a period of 12 months to 60 months. Supposing a loan of £7,500 was taken out over a period of 60 months, then 59 monthly repayments would equate to £140.99 and a final monthly payment of £140.73. The total amount payable would be £8,459.14. Yorkshire Bank are a leading high street bank, but have mixed reviews across the internet when it comes to lending. Despite the low interest rate offered, their customer service is unpredictable and somewhat slapdash. However, they (unlike some of the other high street banks) offer customers the opportunity to take out loans over a period of 12 months. Yorkshire Bank is known to offer flexibility to their customers and will accommodate new consumers with competitive and suitable rates. Nevertheless, flexibility should be accompanied with exemplary customer service and unfortunately this is simply not the case. Yorkshire Bank are offering a reasonable interest rate, but do not back this up with quality customer service or a directed advertising campaign. Customer satisfaction is a high priority for many online and high street lenders and making the customer happy whichever service you are offering is fundamental to the positive continuation of a business.

Review posted by Kian Hancock

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Although I had never heard of Yorkshire bank (by all accounts they are obviously a large bank in the UK), they kept cropping up every time I used a loan comparison site. I need a car for my work and unfortunately mine gave up the ghost and left me in desperate need of getting something sorted so I could work.The rate on Yorkshire bank kept ranking very highly in searches so I decided to apply. I have always tried to be careful with my credit, but I have had a couple of periods when I was out of work, so I was pleasantly surprised when they accepted me.After applying and getting a couple of bits of financial information over to them I was pleasantly surprised to find out I'd actually been accepted for more than I wanted. When they took me through the repayment plan I realised I could take the larger loan out for a longer period of time and make the same repayments. Seeing as I had been accepted, I made the decision to buy a newer, more reliable car that should now last me much longer than the loan.The customer services advisor was very helpful in taking me through everything and ensuring I could afford the repayments, which was a welcome change from high street loan companies that actually want you to default so they can make more money. The loan itself was paid in really quickly, and my transport problem was sorted all in all in about 2 weeks.I would highly recommend Yorkshire Bank, they seem like they have a great customer service attitude.

Review posted by Robert Carter

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I was disappointed with their service because I found a better APR at another provider for the same loan and when I called back they would not match it. They said they might be able to match if I had discovered it earlier, but afterwards it’s not something they can do differently.The guy on the phone was a bit rude too, but when we got through to his manager their attitude improved and they were able to explain in a nicer way their terms and conditions.In any case, I got a loan for £8,000 for a new kitchen and it’s going to work out well. The loan can be repaid over a period of 6 years and we were able to go and pick out our cabinetry and accessories over the weekend. The people are going to come in and work on it over the next couple of weeks and we’ll have our new kitchen ready!So overall I’m glad we got the loan for the kitchen, but was disappointed by their inflexibility and would not recommend doing business with them. I would give them a 5 out of 10.

Review posted by Henry Miles

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Early last year, tragedy struck in our family. My father was taken seriously and had to be rushed to hospital. Fortunately, he began improving a few days later and was discharged after a month. However, he was put on very expensive medication that he could not afford. I had to chip in. This put me on a lot of financial strain. To better handle my father's health, I decided to put my house on sale. That meant carrying out major renovations so that I could get more from its sale. Unfortunately, I did not have enough money to carry out the kind of renovations that I envisaged. That is when I decided to take a personal loan. Given my difficult financial situation, I wanted the cheapest personal loan available on the market. After making inquiries with four banks, I settled in Yorkshire. I was attracted to its low APR and flexible repayment schedule. After applying, my request was accepted and two days later, the money was in my account. I quickly embarked on renovating my house. A month later, the renovations were done. I put it up for sale and after two weeks got a buyer. Given the good condition the house was in, I was able to get a decent amount from the deal.With that sale, I was able to fully purchase at once all the medication my father needed. In addition, I decided to finish off all my loan repayment. Although I thought I would be slapped with a large fine, the fine was only equal to two month's interest on my loan. I cannot be grateful enough to Yorkshire and highly recommend it to others in need of cheap personal loan

Review posted by Zak Tyler

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When I was made redundant from work, my wife and I decided that she would take out a loan to cover living costs. This would give me the flexibility to find the right job instead of rushing into things just to pay the bills. We went with Yorkshire Bank as they offered lengthy terms which would remove the pressure of paying back the amount quickly. A year into our term and I am now employed and easily keeping up with the payments.There is a certain social stigma in taking personal loans. I think this is unjustified. I see them as a tool to improve your situation. If you look at them in this way, they will work for you. Just be sure to do your research and inform yourself thoroughly on the amount that you will be repaying each month.The service provided by Yorkshire bank has been wonderful. They are easy to communicate with and you don’t have to jump through hoops to speak to the right person. The rates were acceptable and the term of the loan was ideal. There's something about dealing with Yorkshire Bank that seems local and wholesome. I can't really put my finger on it but there was a friendly ambiance to the whole process.I have no cause for complaint. The loan got me out of a tricky situation and into a comfortable one. Everything was convenient to us and we are more than happy with the deal we got. I have since recommended a family member to use the services of Yorkshire bank and they have done so. They received the same quality service that I did.

Review posted by Harley Townsend

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I have had other financial products with Yorkshire bank in the past and I have always been pleased with rates they offer and their superb customer service, so it made sense for me to take them up on their personal loan offer. As I had dealt with them previously filling out there application form was like déjà vu! Although in the very best sense, as the loan was for a sizable amount I was over the moon that I had been accepted.As the amount was larger than anything id borrowed in the past I didn't know how long it would take for me to pay it all off, as such I felt I needed a versatile loan. I needed something with a decent rate of interest but also a longer repayment term - a difficult combination to find! However through Yorkshire bank I managed to achieve the objectives that I had set myself, another critical factor was the option to repay early which was fundamental to my decision making, if it does look as if I can pay it all off early I will certainly be taking advantage of their offer – fingers crossed!

Review posted by Kyle Smith

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Yorkshire Bank makes it easy for potential clients to get estimates of what their repayment would be if they obtained a personal loan. With that information, you can decide whether they are the right lender for you. You never have to wait long for a decision when you apply online. The speed with which information is delivered to you is just one of the benefits of doing business with Yorkshire Bank. Online representatives are available for live chat and can assist with any questions you have. They can help between Mondays and Fridays from 9 am to 5 pm. You can borrow sums as low as £1,000 or as high as £25,000. The online application system provided by Yorkshire Bank is easy to use. If you start to complete an application and need to leave your computer for any reason, you can save the progress that you have made and continue later on. Affordable rates are offered to UK residents. You can borrow money at 4.9% APR to buy a new car or get financing for any other purpose. Loans are only available to adults who are earning at least £15,000 per annum. Loans must also be repaid over a period of at least 3 years. If you repay the loan early you will be charged 58 days' interest. Yorkshire Bank's affordable rates, customer care and flexible loan repayment terms make them a good choice for people who want personal loans.

Review posted by Corey Allan

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I was having my very own financial crisis and it needed sorting straight away. With debt beginning to spiral out of control the only way that could lead me out of this mess was if I could consolidate all my existing debt into one more manageable payment, and that was where a personal loan started to look very attractive. I had been working out if I borrowed so much to pay for off all my debts, how much better off would I be? To my pleasure the numbers began to add up positively in favour of a loan. It was then I read up on various reviews about the different lenders and checked out information regarding each until I selected the one that was most suited to me and one that also gave me the most hope. Yorkshire Bank was that bank. I was very worried I would be declined a personal loan and then I wouldn't know what to do really. Luckily that wasn't the case and I got a great ARP and now more spare cash to use how I want every month. An extremely easy application process coupled by a wonderful rate leads to a very happy customer. The whole process was simplistic yet thorough, with all the terms and conditions clearly laid out. Overall I had a very cool experience without any bad when applying for a loan at Yorkshire bank. A very courteous service that is highly recommended.

Review posted by Max Harrison

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Yorkshire Bank are a tried and tested name on the high street, and its easy to see why. They have a solid reputation for looking after existing customers, and using their financial data to make decisions based on the individual, not simply the readings from a credit report. Similarly, they prefer to actually speak with potential borrowers face to face so that they can make an informed choice. This personal approach is a rare thing these days and really goes in Yorkshire Bank's favour. They can lend from as little as £1000 to a rather high £25000 meaning that you can find finances to cover just about any unexpected or planned expense; whether it be a car or home repairs, they can provide an amount to suit. Their staff are some of the friendliest and efficient as have been found in any bank, and have been excellent in sorting out the quick release of the loan for customers needing the money for an emergency. Customers have also reported very positive results when applying to pay off the loan early; generally, Yorkshire Bank will only charge the equivalent of two months' interest, so if you experience a windfall, you can pay off the loan with very little worry. They are definitely a bank which still provide that face to face service and are well worth considering for a loan.

Review posted by Ethan Herbert

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Yorkshire is a leading financial institution in this country. I have a savings account with the bank. I switched over to their personal loan facility because of my huge credit card debt. I read the rates the bank charges and decided to give them a trial. As a customer to the bank, they already have my personal and financial data.I was initially worried because I do not have any tangible thing to present to them as collateral for a loan of £15,000 I wanted to borrow from them. When I visited their website, I discovered that they offer unsecured loan I was a bit relieved. I also discovered that their APR stood at 4.9%, which is not bad when compared to what other lending institutions are demanding.I took me a few hours to complete their loan application process. Their excellent customer service relation made it possible to receive email to the effect that my application was approved. It did not take time before the agreement papers arrived, which I filled and submitted to them. I received the money in my bank account after a few days. I never remembered being disappointed by their customer care department.I have a real value for the money. Their flexible term is another thing that makes Yorkshire Bank attractive to customers. The repayment period could be spread for a much as five years. If you decide to repay before the agreed time, you will be required to 58 days of interest. 

Review posted by Robert D. Deane

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I'm 28 years old and steadily employed and have been for 10 years. I was after another car ( 3 to 4 years old ) so researched a few credit institutions and decided to apply online to Yorkshire Bank and request a loan of £10000. I earn a fair income so soon after the usual credit check was carried out my loan was approved to be repayed over 60 months . I liked this as it certainly beat the rates of the dealership finance . The important thing to note here is that the rates are fixed for the duration of the loan. I found YORKSHIRE BANK to be totally efficient and professional and would recommend them to anyone.

Review posted by Nathan Bromwell

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A short while ago I was desperately in need of a cash boost. I needed £5000 to fill a gaping hole of a very personal nature. I'd heard that YORKSHIRE BANK offered '' any purpose '' personal loans so I approached them online and having seen that I met with most, if not all of their criteria, I was hoping for good news. And good news it proved to be as my loan was approved with me having to repay over 60 months. The monthly payments were manageable and the interest rate very competitive. I could, of course, pay it off over a shorter period and save on the interest, but I was thrilled with their offer. It seemed to me that they were really interested in me and wanted to help. So yes, I will readily recommend YORKSHIRE BANK:

Review posted by Roland Simmons

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Things were starting to look up for me. I'm 24 years old and the company I've been with for the last 4 years have just given me a promotion which means a big jump in income. At the same time I'm moving into this fantastic new apartment that I'm renting. The only problem is that the apartment is not ME and I need to do some serious redecorating. I've had an interior decorator come in and discuss the changes that we both feel I need and the price he quoted was £4000. I do have that much in my account but I thought it better to get a loan that wouldn't hurt too much. I approached YORKSHIRE BANK and was overwhelmed at their helpfulness. A credit check was positive and the loan was approved, repayable over 48 months or less if I so desired. It was very quick too and the decorators are doing their thing right now. All thanks to YORKSHIRE BANK.

Review posted by Alan Berkinshaw

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Growing my own veggies used to be a hobby of me since I was a kid myself. Now I'm happy to see how my kids pick up the shovel as well, be it at school. The garden belonging to my house is tiny, way too small to grow something and is used as a dog's playground. Still, somewhere at the back of my head was the plan to do some useful gardening again when the future allows me. That happened when the municipality announced to sell some lots, situated along the railroad track. That was my chance and I took it.£7500 the lot costed and measured 10 x 10 yrds. Perfect for my purpose.In the year before I consolidated my debits I had with some other banks into one new with the Bank of Yorkshire to have more oversight of my expenses and to regain some flexibility. That gave me the idea to check for an application with them to have a small loan, eventually.Their approach at the branch in Chatham, as personal as I could get as I call it when they hear about my plan was above all expectations: sympathetic. The flexibility they could offer me applying for extending my personal loan was striking and the APR rate reasonable.Feared and in a hurry to get my claim there was no need to rush, the clergy from the municipality said to me, as the completion of the process would take some months, but no matter what occurred I remained nervous. It was strange to experience the £7500 was in my account after a week.I'm still waiting for the papers, but I'm ready for the new season next year harvesting my own turnip and carrots.

Review posted by Robert Neville

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I am Steven, 23 years young. I write this review because I think its not a good idea of my bank, the Yorkshire bank to allow only new customers for having a loan of the age of 23 and above unless you are at least 18 years of age. This is just unfair, in my eyes.Once you are a customer of the bank, any bank I would like to say should be eligible to use any service, as everybody pays the same fee, no matter what age. I also think it is much better to start with a wide arrangement of banking services at a young age because one can't start early enough to know how to deal with money.For me it makes no difference at my age of 23, but I like to make the statement that the Yorkshire Bank is a well-organized institution with a great plan for loans, insurances and anything. I'm using these facilities for some years already and have no other complaints whatsoever.

Review posted by Steven Holloway

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Without making a fuzz of it all, there's something I like to express my feelings about. It's the interest rate of my bank, Yorkshire's when applying for a personal loan.It came to me that too many people stare themselves blind on what they call it, a 'high' percentage. What they seem to forget is that this is due to what type of plan people choose from all possible solutions, the duration of the loan and the number of terms they intend to repay the bank.That's it actually. The 4.9% APR sounds high compared with other loan providers but what they miss to calculate is the flexibility the Yorkshire Bank brings to them, once a customer. Better check first before crying.

Review posted by Eric Stratham

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I have got just over 3 years to go before I qualify for my state pension and I hope to be able to keep my full time job until then. So before I settle into my retirement years I wanted to push the boat out a bit and treat myself and my daughter to a Mediterranean cruise. Even though I earn good money I haven't been able to save much over the years so if the cruise was going to happen it would have to be with the help of a loan of some sort.I was on the verge of agreeing to a loan with my own bank when my daughter who banks with Yorkshire bank suggested I try for a loan with them as she felt sure the interest I would be paying would be less if her calculations were right.I am happy to say she was right and even happier that Yorkshire bank approved the loan for me. I have been so pleased with the service I received from Yorkshire Bank that I am seriously considering changing banks and going over to them but for the time being I will just see how I get on with the loan.

Review posted by Beverley Moore

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I'm a Yorkshire lass born and bred and like most Yorkshire people I don't throw money away unnecessarily if I can help it. So when it came to borrowing some money to pay for a much needed new bathroom and spare room conversion so that my elderly mum could move in with us I sat myself down in front of the computer and did a bit of online research with the help of my grandson.He showed me how to use the loans comparison website and before I knew it I had decided on Yorkshire Bank and was applying for the loan. To my delight they approved my loan almost immediately because apparently my credit rating was very good. Well I'm not surprised about that because as I said earlier my Yorkshire upbringing wont allow me to be daft with money. So now I have the money in my bank account and the work on the new bathroom is starting next week and my dear old mum is very excited about moving in with me.

Review posted by Diane Howard

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When I set out to find a suitable loan to help with some financial difficulties I decided the most important thing was being able to borrow sufficient funds to sort the problems out but the repayments had to be easily affordable as the last thing I wanted to swap one set of financial problems for another.I found the initial comparison website very helpful and without it I don't think I would have ended up with the great loan I got from Yorkshire Bank as I'm a Londoner born within the sound of Bow bells and apart from a brief to trip once to watch my football team play recently I had never been north of Watford. But in this day and age computer technology makes the world your oyster and for that matter any bank your local bank.

Review posted by John Brace

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My personal bank is just one of the many High Street banks and I only use them for the usual things like paying utility bills and. I have quite got to the stage of keeping my money under the mattress but in general I try not to rely on banks too much.However when it comes to borrowing a large sum of money I have to be much more open minded and look further afield to get the best deal. Thats how I ended up with a personal loan from Yorkshire Bank. The internet is a wonderful invention and my loan with Yorkshire Bank is a good example of how to use the internet responsibly and effectively.

Review posted by Pete Benson

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My wife and I bought an old and very run down cottage with the money her grandfather left her in his will. Up until then we had been living in rented accommodation which we both hated doing as we felt it was throwing money down the drain but we just couldn't afford to buy anything at the time.Well the situation now is that we living in a caravan on site so to speak while our little cottage is being renovated and we couldn't have done this without a loan from Yorkshire Bank. The repayments we are making are very affordable as they are spread out over a 5 year period and by the time the loan is paid off our cottage should have doubled in value if the property market continues to improve.

Review posted by Jack Critchlow

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I never thought I'd be saying this but the decision to get a personal loan to pay off some credit card debts and set myself back on track before Christmas arrives with all the added stress that that brings was one of the best things I have ever done. The sense of relief I felt when my loan with Yorkshire Bank was approved is right up there with the time my dog went missing and was found safe and sound after 4 days. People who get by in life without the worry of debt are very very lucky but at least there is light at the end of the tunnel for people like me and that is thanks to loans like the one I have just got from Yorkshire Bank.

Review posted by Sandy Morton

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My new wife and I have just got back from our honeymoon in Thailand after an amazing wedding in the UK with all our family and friends there to share the special day with us.We knew from the start we would need an loan to pay for everything but the last thing we wanted was to saddle ourselves with a loan that would put too much financial pressure on us which would not be a good way to start married life. So thats why we did our homework beforehand and made sure we got the very best loan for us. Yorkshire Bank were the people to give us that loan and we just want to thank them for everything.

Review posted by Ed Theakston

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My wife had been on at me for a few years to get the garage converted into a extra room so that we could put a decent sized sofabed in there and use it when we had family over to stay, usually at Christmas time. Up to now the garage was basically just being used for storage and I can't remember the last time we actually parked our car in it. So I knew she was right but it would mean getting a loan and I was reluctant to just borrow money from any old loan company.With the help of my brother who considers himself a bit of an 'expert' on personal loans because he's had so many over the years, we finally made an application with Yorkshire Bank. After the initial online application and a couple of calls to their customer services we finally agreed a loan package which I am very happy with and as soon as the money was transferred in my bank I set about getting quotes for the garage conversion much to my wife's delight.

Review posted by Mike Wetherall

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  • Value For Money

I confided in my boss that I needed to get a personal loan to help my brother out who was experiencing some financial problems and was several months behind with his mortgage.To my surprise my boss said that it wasn't that long ago that he found himself in a similar position to mine and that if he hadn't got a personal loan from Yorkshire Bank his daughter would have had her flat repossessed. I was grateful to him for his frankness and asked him if he thought Yorkshire Bank would be suitable for me and if so could he help me with my loan application which he did.Within less than a week I got my loan approved and the money transferred in time to sort out my brothers mortgage arrears. I have a new found respect for my boss and I think he is just relieved I haven't asked him for a pay rise to cover the loan repayments.

Review posted by Joan Seacrest

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  • Ease Of Use
  • Value For Money

Thanks to a personal loan from Yorkshire Bank I am looking forward to Christmas and whatever the New Year brings with it now that I don't have the financial worries that had been causing me many sleepless nights in recent months.It isn't because I have been managing my money badly but more a case of one unexpected bill after another culminating in all my savings being swallowed up and nothing in the kitty for Christmas and next years Summer holiday.Now that things are back on track I can manage the repayments easily and that's because Yorkshire Bank gave me a personal loan that really was personally tailored to suit my needs and affordability. No more sleepless nights now except when the grandchildren come to stay.

Review posted by Dan Bostock

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  • Ease Of Use
  • Value For Money

I asked Yorkshire Bank for a loan instead of any other institution, for one simple reason. They were the only ones I could find who did not pry into what I needed the personal loan for. Many banks tell you outright that they will not grant you a personal loan if you want to start a business and that is precisely what I needed the money for. Knowing this was not a problem with Yorkshire Bank, I applied with them for £18 000 to open a small little take away Pizza store. I am 32 years old and have experience in this field, as has my wife who will be working there full time. I will only help her on weekends and at night, as I have my own full time job. Yorkshire Bank verified all the information I gave them, checked my employment, my salary and so forth and must have decided I was good for the loan as it was passed. I took the loan over a 5 year period.

Review posted by Pedro Caprari

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  • Ease Of Use
  • Value For Money

I am a 27 year old businessman, I like to think of myself as resourceful and successful. My sister has always wanted to be a doctor and therefore its time to go to universaty. My parents aren't wealthy but they have enough to pay for a big part of her university fees but I need to also help out. My best call was to ask for a loan and as I expect her to study for many years.I took a £22000 loan over 5 years. This way there will be enough put aside to help her during this period. Yorkshire bank decided I was eligible to be granted the funds. Their customer services was very good and I feel that I was well looked after. Good luck little sister. I'm always here for you. One day you'll pay me back with interest!

Review posted by John Mc Corkindale

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  • Ease Of Use
  • Value For Money

Going over our accounts one evening my wife and I noticed that we are paying off six credit cards and we in fact are only using two. We were also paying an alarming amount of interest. Right then and there we decided to approach Yorkshire Bank for a personal loan of £12000 so that we could settle all the credit cards and then only pay one instalment to Yorkshire Bank.Although you can apply online, we like the personal approach and went in to see them. They were really helpful and after doing the necessary credit checks, the loan was approved with us having to pay back over 5 years. the rate of interest was really good too and the monthly instalment a lot less than we were paying on all the credit cards. Thank you very much YORKSHIRE BANK.

Review posted by Graham Peterson

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a flexible, unsecured loan for a personal matter and being a person not used to borrowing money I needed personal attention so I popped into my branch of Yorkshire Bank and told them my story.They were so friendly and helpful and didn't even bother asking what the loan was to be used for. Just the credit check which included employment , financial and residential details had to be completed. Once this was done the loan was approved and once I had signed the loan agreement the money was transferred into my account. I chose to pay back over 5 years which was comfortable with each instalment being automatically debited from my account each month. Well done Yorkshire Bank. To be recommended.

Review posted by Eldred Butler

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  • Flexibility
  • Ease Of Use
  • Value For Money

Yorkshire Bank have been a big help to me and my family in the last few years. Without the help of their personal loans we would not have been able to do so many things that were important to us such as the once in a lifetime holiday to Las Vegas to celebrate our 25th wedding anniversary and the 21st birthday party for our twin daughters. Our next big family celebration is my parents Golden wedding anniversary and Yorkshire bank have come up trumps again with a loan to pay for the surprise party we are planning for them. Provided we can still afford to make the repayments without struggling we will continue to use personal loans from Yorkshire Bank and I am really grateful that ordinary working class people like me and my family have this option available to us.

Review posted by Nerys Hewson

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  • Ease Of Use
  • Value For Money

I took out a personal loan with Yorkshire bank to pay for my three daughters to go to America to see their father for the first time in over 5 years. He was diagnosed with terminal cancer and I really didn't want them to miss out on seeing him and making up for lost time before he became too ill to recognise them and enjoy spending time with them. Although we didn't part on very good terms he was still a good father to them and tried to get back to see them as often as he could.Yorkshire bank have always been my bank since I first left school and started earning a wage and they were my immediate choice for a personal loan as I knew they would sort out the right loan for me and they did just that which is why I will continue to bank with them.

Review posted by Kathy Bridewell

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  • Ease Of Use
  • Value For Money

When it dawned on me that I was 25 and still living at home, and worse still, sharing a bedroom with my younger brother, I decided I had to get a place of my own. I have a good job and earn good money but not enough to do what I needed to do without months or even years of saving.My dad who is the fountain of all wisdom, so he likes to think, suggested I get a personal loan and because I bank with Yorkshire Bank I went to them first. I was quite surprised when they said yes to the loan and not wishing to look a gift horse in the mouth I agreed to the terms and conditions and before i knew it I was putting the deposit down on my very first flat and taking delivery of my very own flat screen TV. I'm still asking myself why I didn't do this years ago but still its better late than never.

Review posted by Danny Critchlow

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  • Ease Of Use
  • Value For Money

Being one of seven siblings growing up, making sure we were well fed and dressed was always a bit of a stretch for my parents and for some reason I always ended up with the hand me down clothes from my older sisters.As an adult now in my 30's I am determined never to have to go without all the fashionable clothes etc and when my wages wont quite stretch to the latest designer outfit or bag I use a personal loan with Yorkshire bank to help me buy what I want and pay for it with a repayment scheduled to suit my earnings. It has worked very well for me so far and that is why I will use this facility from time to time without compromising myself financially and Yorkshire Bank will be the one I got to first.

Review posted by Sandy Mathews

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  • Ease Of Use
  • Value For Money

Yorkshire Bank is not my regular bank but it is the only one that hasn't refused me a personal loan based on what I am borrowing the money for.As far as I am concerned, provided I have given the lender accurate details of my earnings and proved my affordability then it is up to me what I chose to spend the money on. I appreciate these financial institutions have to be seen to be squeaky clean but to refuse me a personal loan because I wanted to help my son set himself up in business is not the same as needing a business loan in my books and I am happy to say that Yorkshire Bank agree with me which is why I will use them again in the future if I need another 'personal' loan.

Review posted by Alan Rogers

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  • Ease Of Use
  • Value For Money

Without our personal loan from Yorkshire Bank my wife and I would have had to postpone our wedding for at least another year after we had failed to save enough money to cover the costs. As we had been together for 5 years and engaged for 3 of them we really didn't want to wait much longer as we were both keen to start a family and my wife kept moaning about her biological clock ticking away.So I just want to thank Yorkshire Bank for approving us a very good loan agreement which allowed us to have the best wedding ever and I think you know what is next on our agenda so I won't say anymore on the subject!

Review posted by Peter Ryan

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  • Ease Of Use
  • Value For Money

My wife and I decided to push the boat out and treat all our grown up kids to one last family holiday to Orlando before they all settled down and had kids of their own. My wife and I are still in part time employment so we decided to get a personal loan to pay for the holiday and then pay it back over the next year or so before I retire.We bank with Yorkshire bank as do some of our kids and so we naturally went to them first and after a bit of negotiation we were approved a personal loan for the sum we needed at a repayment amount we could easily afford each month. The kids were chuffed to bits when we told them what we were planning and even more impressed that we did most of the application online. We told them that's what we were doing at evening classes for the last six months, learning to use the computer properly!

Review posted by Geoff Sallibrass

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  • Value For Money

After my parents died within a few months of each other I inherited their tiny little bungalow and a few other bits and pieces. My initial reaction was to sell the bungalow as soon as possible but then I realised their tiny little bungalow was actually bigger than my two up two down terraced house and suggested to my wife that we rent our place out and move in to the bungalow.The wife said yes on the condition we gave it a complete makeover first and to do that we needed a personal loan. As we bank with Yorkshire Bank we went to them first and they were more than happy to approve the loan and even gave it their seal of approval by saying it made very good financial sense to do what we were planning as the income from the rent would help pay off the personal loan so we would actually be much better off in the long term. I am sure my dear old mum and dad would be very proud of what we have done with their tiny little bungalow!

Review posted by Gordon Troutbeck

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  • Ease Of Use
  • Value For Money

I came across the Yorkshire Bank personal loan website when I was doing a bit of research before applying for a loan and I don't think I would have thought of them otherwise as I am a Londoner born and bred and it just wouldn't have come to mind with all the other High Street banks.However, I am glad to say I didn't let a north/south divide get in the way of choosing the best loan option for me and that is why I went with Yorkshire Bank who have just approved a very competitive loan for me and I am very pleased they did.

Review posted by John Soames

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We don't bank with Yorkshire bank but a friend of mine does and when I told her I wanted to take out a personal loan to buy my husband something special for his 60th birthday she suggested I give them a try. I had already tried seaching online for the right loan and was getting fed up with the whole thing so when she said I should just try calling them first I was happy to do so.Right from the start Yorkshire Bank were very helpful and they even suggested paying the money into my own personal account so that my husband wouldn't find out about the surprise until it was his birthday. I hadn't even thought about that and I was very grateful that they had. I would definitely use Yorkshire Bank again and I will eventually let my husband know where the money came from for his birthday surprise.

Review posted by Linda Crowther

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  • Ease Of Use
  • Value For Money

When I needed to borrow some money to pay for private medical treatment recently I took the advice of my daughter and with her help we searched online for a suitable loan company. My own bank had not given me a very competitive quote and I was about to go with them despite the unfavourable interest rates but my daughter insisted there were much better options out there.I am glad to say she was right and after a bit of time going through the comparison website I decided on Yorkshire Bank. I had never even been to Yorkshire but their online application process meant that I could apply from the comfort of my own home.My loan was approved and the money has been transferred to my bank account so I am delighted that I can now go ahead and have the medical treatment I need thanks to Yorkshire Bank.

Review posted by Mary Stokes

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  • Value For Money

My son recommended Yorkshire Bank when I asked his advice on getting a personal loan to do some much needed repairs on the family home. He had just got married and the loan he got from Yorkshire Bank helped him to pay for the wedding. I trust my son's business sense and so I didn't hesitate to apply for the loan with Yorkshire Bank and I was most impressed with the quick and efficient way they dealt with my application.The loan was approved within a day and after some last minute phone calls to their customer services department I was informed the money would be in my bank account the next day which it was and that is why I felt I wanted to write and express my gratitude for the service I have received.

Review posted by Len Burrows

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My brother was going to Sydney, Australia to work for three years and decided to sell his classic sports car rather than leave it in storage. I had always admired the car but never had the spare cash to buy one similar myself. When he told me how much he wanted for it I realised I couldn't miss out on such a bargain and so I got straight on to Yorkshire Bank to ask for a personal loan.I have been with Yorkshire Bank for several years and I am used to doing all my banking online with them so the application process wasn't difficult for me. Once I got the phone call to say my loan had been approved I got straight on to my brother to tell him I would have the car. Thanks to Yorkshire Bank we can keep the car in the family for a bit longer.

Review posted by Kevin Mathorpe

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  • Value For Money

My girlfriend and I have just moved into our first property together and we thought we had got a real bargain when we bought it at auction. However, as with a lot of houses bought at auction, if you haven't been able to have a proper detailed look before buying you sometimes get a few nasty surprises when you move in.Unfortunately we did get a few surprises but nothing structurally so we weren't too upset. It did mean that we had to tackle a couple of repair jobs fairly quickly and the only way we could afford to do that was with a personal loan.After a bit of online research we opted for Yorkshire Bank who were offering a very competitive rate for the type of loan we wanted. Within a week we had the loan approved and the money in our bank the next day which meant the repairs can go ahead straight away. All being well it should be finished and the house more habitable in time for Christmas.

Review posted by Joe Morrison

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  • Ease Of Use
  • Value For Money

My new job pays me a lot more than I had previously been earning and so because I wanted to put that extra few pounds each month to better use I decide to get a personal loan so that I could build an extension on my house to make extra room for my twin sons who were born last year.The Yokshire Bank was my first choice because I have been banking with them for a while and have never had any problems with my current account even when I have inadvertently gone overdrawn a couple of times. Their interest rates on the amount I wanted to borrow were just as competitive as most of the other High Street banks and so it just made sense to stick with them.The loan was approved very quickly after the online application and now that the money is in my bank account I can get started on the extension before the winter is upon us.

Review posted by Lance Kirby

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My wife and I have become a bit addicted to cruises and we are no sooner back from one before we are planning the next one. Up until recently when we were both still working full time we were able to afford them easily but now that we are both semi retired and in part time employment we have found we need a little bit of help with the cost.After careful planning we have found that with a personal loan each from Yorkshire bank who we have banked with for most of our married life, we can afford two cruises a year and still be able to pay off the loans before the next two are booked. We feel quite pleased with ourselves that we have managed to be able to do this but of course it wouldn't be possible without our loans from Yorkshire Bank.

Review posted by Ned Walters

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I have banked with Yorkshire Bank since leaving school and have always had a good relationship with them. They have been very helpful with their advice on budgeting my money each month and paying bills etc. So when I needed a personal loan to pay for a trip to Las Vegas for my friends stag do I ignored all the so called payday loan companies and just went to Yorkshire Bank.The loan agreement they set up for me was a really good deal and it meant that I could borrow enough for the stag weekend and also have some left over to buy the bride and groom a nice wedding present.

Review posted by Ben Postlethwaite

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About this time every year for the past 3 years I have taken out a personal to enable me to take a month off work and indulge my passion for surfing on the west coast of Portugal.I have used other loan companies before but they haven't been entirely right for me and so I did a bit more online research this time and have ended up with a great loan deal from Yorkshire Bank of all people. My mates thought I was having them on but when I told them the details of the loan they were very impressed.Next year might be a different scenario as my long suffering girlfriend is determined that we could be spending a month doing far more interesting things than surfing next year and provided she doesn't mean getting hitched I might just be okay with it.

Review posted by Kieran Knightley

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My husband and I have just taken out a personal loan with Yorkshire Bank to pay for our daughter's wedding. We had always intended paying for her wedding and had been putting a bit by each month for several years but to be honest we never realised just how much weddings can cost these days and very soon into the planning we realised we would be falling short with the money.I discreetly suggested a personal loan to my husband as I didn't want our daughter to feel bad about us having to borrow the money and after a couple of telephone conversations with Yorkshire Bank we agreed it was the sensible thing to do.We have been banking with Yorkshire Bank for several years and so we were happy to go with them for the personal loan as we knew from past experience that they would give us a competitive rate. They were brilliant and before I knew it we had the loan and the wedding plans are going full speed.

Review posted by Sally Walker

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  • Value For Money

My eldest daughter is getting married and her and her partner are paying for the wedding themselves but I wanted to contribute something to the occasion. Being a single parent means I don't have a lot of spare cash but I work full time and earn a good salary. So I decided to take out a personal loan to pay for myself and my three daughters to have a fabulous hen weekend in Marbella. So with the help of my youngest daughter we went online and chose a suitable loan company who turned out to be Yorkshire Bank who I had never even heard of until then. I was able to borrow enough money to pay for the weekend and also treat myself and my youngest daughter who is still at college, to nice new outfits for the wedding.

Review posted by Josie Nielsen

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  • Ease Of Use
  • Value For Money

A few months ago my wife and I decided to take out a personal loan with Yorkshire Bank. They are known for their flexibility hence our choice to use them and we are glad we did. We applied online and received immediate approval. Our credit rating was very good, which we knew, and so we asked for £10000 so we could complete some refurbishing in our house. They were really efficient and the funds were soon made available with us signing to repay over 5 years which was perfect for us and this at a fixed rate. I would absolutely recommend Yorkshire Bank.

Review posted by Neville Simpson

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Borrowing £7500 over 60 months and paying back less than £150 per month, is about the best one can hope for I guess. This was the deal given to me via Yorkshire Bank when I applied last month. I reckon its a fair deal because the interest rate is fixed and I know that this is the exact amount I will pay. I had to borrow this money because my daughter separated from her boyfriend and as they had bought a car together, now she had to pay him her half in order to keep the car. Yorkshire Bank approved the loan when they verified that my wages were above the required amount and that I had a reliable credit history I guess. Once approved they deposited the money quickly in my bank for which I thank them.

Review posted by Alan Jackson

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  • Ease Of Use
  • Value For Money

Choosing a loan company has never been easier than it is today. I needed a personal loan of £5000 and clicked onto READIES and the optiions were endless.After going through some of them I applied online for the loan from YORKSHIRE BANK. The loan was approved almost instantly as soon as certain checks were carried out. These cheks are really just to make sure that the instalments can be met.I opted to repay the loan over 36 months and as soon as the loan agreement was signed the funds were made available . Incredibly efficient and professional. Well done YORKSHIRE BANK.

Review posted by Angus Priest

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I popped into my local branch of YORKSHIRE BANK and discussed taking out a personal loan with one of their representatives. I needed to replace my old car which had seen better days and the one I'd fallen in love with was a two year old sedan in immaculate condition and the dealer wanted £12000. The dealer himself put a deal on the table but I knew I could get a better rate elsewhere.Yorkshire Bank were excellent. My loan was soon approved. I knew I had a good credit rating and my salary was above average. The debt was to be repaid over 5 years which was perfect and as soon as I'd signed the loan agreement the funds were in my account.I am now driving my dream car all thanks to YORKSHIRE BANK.

Review posted by Miles Crawford

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  • Value For Money

When I took out my loan with Yorkshire Bank I knew there were other lenders quoting lower APRs than Yorkshire Banks 4.9% but I soon dismissed them after their online quotes revealed that not to be the case for my particular circumstances. The 'market-beating lower APRs were just a way of getting your attention and I suspect very few people who applied for the loans were actually lucky enough to get that low rate. Still it's good to know what your options are before you commit to a particular loan agreement.After doing the online research bit I went to my local branch of Yorkshire Bank to actually make my loan application because I much prefer to do this sort of thing face to face with the lender if I can, so that any queries I have can be dealt with there and then.The Yorkshire Bank loan adviser didn't give me any sales chat they simply stated the terms and conditions of the loan and more importantly they confirmed the 4.9% APR would definitely apply to me should I wish to take out the loan. I was very pleased to hear that because I don't like being led up the garden path so to speak.I came away knowing I had a very competitive loan with no worries about any nasty hidden conditions in the small print because the loan adviser very kindly read through every single word of it with me to make sure I understood everything. I wouldn't have got that with an online loan company.

Review posted by Alan Wiggins

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I just wanted to thank Yorkshire Bank for the loan I have just got from them. It has been quite a few years since me and the wife have had to borrow money but this loan was to pay for our daughter's wedding and we were more than happy to take on the huge commitment of a loan of this amount if it meant being able to give our only daughter the wedding of her dreams.We did look at other lenders online with the help of our daughter who was anxious about us taking out such a large loan and wanted to make sure we were getting the best interest rate. But at the end of the day it wasn't just the interest rate that was important to us, it was also about having a loan repayment schedule that suited our budget and that is why Yorkshire Bank were our choice. After all, we have been banking with them since our daughter was a baby so they know us better than any of the other lenders ever will.

Review posted by Geoff Fenton

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  • Ease Of Use
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I thought these new online loan companies were supposed to make borrowing money as easy and hassle free as possible. After making the decision to take out a personal loan to help our son with his new business we sat at the computer for what seemed like hours before eventually giving up and going to our own bank.The 4.9% APR Yorkshire Bank were quoting wasn't the lowest we had seen when looking on the loan comparison website but it was still a very competitive rate and being able to sit down with our own local branch Loan Adviser and discuss our personal requirements so that we ended up with a loan package that suited us, was well worth the slightly higher APR we would be paying.We now have the money to help our son with his new business and we are happy that we are not compromising our own financial stability with this loan thanks to Yorkshire Banks help and advice.

Review posted by Martin Murray

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I recently needed to borrow £8000 as myself and family work on line so need good computers. As ours were outdadted and slow, we decided to invest in good quality PC´s which as we all know are pricey. As I have a good credit rating and earn a decent salary I expected no obstacles when I approached Yorkshire Bank for a loan. I applied on line to borrow the money over 3 years. They did not pry into my personal life and did not demand what I needed the funds for. They just checked out all the information I gave them and the moment that they realized, I pressume, that I was not a risk, they approved the loan on the spot. I´m not even a client of theirs, so was rathen taken back by the very quick decision and money transfer. I thank them for their professionalism. Will use them again if ever need to.

Review posted by Malacol Peterson

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I am impressed with the flexibility of Yorkshire bank and thus the reason for me giving them the thumbs up. They approved a loan that I requested of £9000 so that I could buy my car, over 48 months and were uncomplicated and very professional. The interest rate they gave me of below 5% was welcome and the instalments will be affordable to pay back. I am 26 years old and have borrowed before but from another institution who were so complicated that it was a frustrating experience. Yorkshire bank just seemed to want to ensure that I would be able to repay the loan. They double checked some of the information I gave them, example my salary, and when they were confident that I would not default they said yes to my application and were quick at putting the cash in my own bank account. I start to pay them back in the begining of december, so I have my Xmas present to myself. Good option this bank!

Review posted by Patricia Goodwin

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  • Ease Of Use
  • Value For Money

It is almost Xmas time and I want to get organised with all the Xmas presents. I am going to give my 22 year old daughter a car as a gift as her birthday is on the 25th of December so its a double celebration. I applied personally at the branch of Yorkshire bank for a £11000 loan payable over 4 years. I picked this bank after a long search...and felt they are very flexible. The staff were friendly and helped me and explainned everything. The loan was granted. The interest rate was 4.9%, so Im overall very happy. I congratulate them for their client services. Thank you

Review posted by Barbara Cormick

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  • Ease Of Use
  • Value For Money

Although I don't bank with Yorkshire, it wasn't a problem getting a loan from them. I needed to cover a ticket for my wife to attend her niece's baptism, and I was not going to be paid on time. Though I didn't anticipate needing a full £1000, I figured I could use the remainder for some car maintenance that I had been putting off. I chose to pay it off over a year, so as to not have it hanging over my head too long. I thought the overall process was good, flexible and they held up to their approximation in times (from application to decision less than 24 hours). A positive experience all around.

Review posted by G. Anderson

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  • Value For Money

I applied for a loan in person with Yorkshire, while taking care of other banking. I made a point to write up a review because I experienced such great customer service, and that has not always been the case for me (not only with banking but in the service industry).The teller I spoke with was really friendly, seemed knowledgeable, and advised me to borrow £5000 over 3 years, in the third bracket rather than end up with a higher APR for less money. I actually felt like she was looking out for my own interest and not pushing me for the bank's sake. I walked away feeling satisfied with everything and pleased with the service.

Review posted by E. Sheldrake

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Last weekend I had discovered my account had been used fraudulently by someone topping up £50 for their phone. As I am a pay monthly customer I knew it wasnt me. I rang up the bank at half 10 saturday night and the two people i spoke to were so helpful and gave me plenty of information on what I needed to do the Sunday morning. I rang o2 told them what had happened and they confirmed it looked to be a fraud. So they said they would deal with it at there end and work with Yorkshire bank. I rang Yorkshire bank again on the Sunday and got my card blocked and asked for whether id be able to get Charge Back, they told me they couldnt tell me a definite yes I would get it back because they would need to look into it in more detail and was told it could take up to 7 days if it was proved my claim was a fraud. Tuesday I checked my account and the £50 that had been taken was now back in. Just waiting to get my new card etc, but they were really good, dealt with my claim brilliantly and the speed of what my money was put back into my account was great. This is the first time anything like this had happened to me so it was really worrying but Yorkshire Bank were amazing and I couldnt have asked for anything more off them!

Review posted by Ruby B.

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Iv banked with the yorkshire bank for 4 years now and haven't had one problem. My local branch have been so helpful. Iv done my mortgage recently through them and found the process so easy and straightforward! I feel in regards to charges that they are acceptable and if use your account properly you wouldn't incurr any. Iv used HSBC before yorkshire and had constant problems with them. Having fraud on my account and then when my card was replaced not allowing me to withdraw money even with identification! i highly recommend, very helpful and symathetic and they do not waste your time like most others!! Quality service!

Review posted by Victor R.

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I have been with the bank for over 30 years and although they closed my local branch,they provided me with pre paid envelopes. Sheryl,Jennie and Lisa, are always available and return my calls, yes i have had issues and they have been dealt with, unless the bank decide to increase their interest or charges I will not consider switching to another bank. They opened a proper account for my daughter with an overdraft and the master debit card. when the card is used it comes off the balance straight away which is good. you get the 150 bonus after 70 days of switchin all paid and so far had brilliant service. I definetely recommend this company, they are damn good at what they do! Give them a try!!!

Review posted by C. Whickham

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I have been with the Yorkshire Bank for sometime now, and can honestly say they have been fantastic.When you call through to call centres, you're not kept on hold talking to a machine for twenty minutes, only for your call to be transferred through to a call centre overseas.The service I have received has always been excellent. My friend was recently abroad unfortunately she was the victim of theft, all her cards and money had been stolen, and her companions too. She placed a call to customer services who transferred her through to another department ( I assume Fraud) who arranged for emergency cash to be wired to her. Her companion banked with a much bigger bank...mentioning no names Natwest, and was left practically stranded with no access to funds!I think the Yorkshire Bank are fantastic, and people are too quick to write reviews and blogs about poor customer experiences, but never take the time to write reviews about exceptional consistent service as it is normally taken for granted. Well done YB!

Review posted by Monica Michael

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After banking through natwest for 2 yrs and receiving over £1000 in bank charges which i have successfully claimed back and also Alliance and Leicester (the less said about them the better ) example they do not like to let you take out your own money. Yorkshire bank is a breath of fresh air i have banked with many major companys over the years such as the above and lloyds tsb halifax nationwide barclays but yorkshire bank tops beats the rest hands down highly recommended. When I most needed they were there for me, and very comprehensive. Also they have fantastic Apr Rates! that's just a bonus !

Review posted by Kiera Weathers

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After making the final repayment on a loan I had taken out with Yorkshire bank 3 years ago I reflected on the overall experience and decided it wasn't too bad at all added to which I was still enjoying driving the car I had managed to buy with the loan.It's my wifes 60th birthday next month and I had already decided what I wanted to do for it and that involved getting another loan. So after doing a bit of research on the loan comparison website I could see that Yorkshire Bank were still advertising a very reasonable APR of 4.9% and that was good enough for me.Now that I have got the loan I needed I can set about planning the wife's 60th birthday surprise which is going to involve a lot of family and friends keeping their mouths shut and not letting the secret slip out but I am beginning to wish I hadn't told the mother-in-law so I might have to hide her false teeth to see if that works.

Review posted by Ian Smith

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  • Value For Money

If I've learned one thing in life it is that everything comes at a price and so I fully expected to have to pay for the convenience of being able to borrow a large sum of money in a simple straightforward way.So when taking out this current loan I concentrated on reducing that price by getting the best APR I could for the amount of money I wanted to borrow. The monthly repayments also had to be just right too otherwise I would be creating more problems for myself.Yorkshire Bank have managed to achieve both those goals for me with the personal loan they have just approved for me and the fact that I don't actually bank with them makes me feel that they are just genuinely a very responsible lender and maybe if I lived in Yorkshire I might seriously consider banking with them permanently.

Review posted by Duncan E.

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I don't know if it helped that I am already a long standing customer of Yorkshire Bank, but I am so delighted with the personal loan I have just been give by them that I felt I wanted to write this review so that other potential borrowers could read it and decide if Yorkshire Bank might be the right lender for them also.I did make my initial application online but then I followed it with a visit to my own branch and spoke to the Loan Adviser just to make sure I had got everything right and hadn't missed out any important details.I am so glad I did, because they actually advised me to take out a slightly different loan option which would work out much better for me and the repayments would be a lot more affordable for me on my part time job wages.I know that wouldn't have happened if I had gone with a different lender and that is why I am so delighted with Yorkshire Bank's service.

Review posted by Sally Goodhew

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  • Value For Money

I was in a traffic accident and really crunched my car, my insurance was not going to cover the cost of the all the repairs so I had to find a lender to finish the job. It seemed an obvious choice to go to my bank to apply for a loan, Yorkshire Bank has always provided me with good service. I have a good job so repayments would not be a problem, but I do need my car to get to work. I also needed to get my car fixed fairly quickly.I went into my bank and talked with a friendly customer service lady about my predicament, and the need for some speedy action. We filled out the application on line and she submitted it for me. She showed me the sort of interest rate I was looking at and what the repayments were likely to be. I headed out for lunch and came back an hour later to find that I had been approved. The money to fix my car was in my account the next day and it was not too long after that, I was back on the road.

Review posted by Tami W.

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My son opened a business recently with his friend and he was the minor partner, almost a silent partner as his friend made all the decisions and paid the salaries and basically ran the small business. Sadly his friend fell in love with some girl and abandoned the ship..leaving my son with some debt to suppliers. The only way to get him out of trouble was to borrow £20 000 from Yorkshire bank as they are very flexible and make instant decisions. It seemed to me to be one of the best banks to approach as they are not so sticky as the others. As the interest rate is fixed I know where I stand with payments and get no surprises. My son will come work for me on weekends to pay me off, but he is privileged to have me take out the loan to help him. As I have a solid credit rating I knew borrowing would be no problem. Ill be paying back the loan over 60 months and if before, Im happy to pay the penalty fee of 58 days interest.Its worth it

Review posted by Paul Zahid

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  • Ease Of Use
  • Value For Money

Yorkshire bank is one of the most flexible banks in the UK. I have searched over and over and read everything about most of them regarding personal loans. They really have total different rules than others. Example their policy that one can repay the loan before the due date, paying only 58 days interest as a commission. That is fantastic as sometimes people need a loan but suddenly they may come into unexpected money and wish to repay. Most banks dont allow it . Another positive factor is the fixed interest rate. Again Yorkshire Bank can be congratulated here. Having seen these points I felt they were the ones to deal with so I requested a loan of £8000 to buy a lovely ski boat. They checked that I was between 23 and 74 years of age, verified my income and decided immediately to grant it. Tks Yorkshire bank. I was right to pick you-

Review posted by John Carlton

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I discussed with my wife our current financial situation and we decided it would save us money to consolidate our debts. So we waved goodbye to the credit cards, tore them up, worked out that we still owed a little bit in the car installment loan , added it all up and realized we needed £9000 to pay all the other debts off and keep only one. To do this , borrowing from Yorkshire bank was the best to do as the interest rate was 4.9 APR and fixed. The repayments over 60 months mean that we save a lot of cash monthly. Yorkshire bank made an instant decision to lend us the funds and we feel a big weight off our shoulders. Its also so much easier to just have one debit order instead of 4. It was a good decision.

Review posted by Fred Gulliver

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My girlfriend and I went on a nice holiday across Europe for a 5 week holiday. Obviously the costs were high as we drove and petrol is not cheap. I always wanted to drive across Europe. Before going we asked for a loan from Yorkshire bank of £3000. My cousin had vouched for them saying they had a low interest rate, were quick at approving or refusing the loan and if we wanted we could repay the loan quicker than the time we requested, as long as we did not object to paying about 58 days interest or so. He was so adamant about them due to having borrowed before, that we listened. Indeed the answer was instant and they approved it although they refused it over 2 years and said 3 years would be better as they did not want us to struggle. We appreciated their guidance. Rather safe than sorry.

Review posted by Albert Green

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I finally found a bank that is prepared to allow you to pay back a loan over 6 or 7 years! All the others expect you to pay over maximum 5. As I was needing to borrow £16 000 I really needed a longer period of time to repay as I certainly did not want to be under pressure not to default. Not thinking twice I applied with Yorkshire bank. I was also impressed with the possibility of paying back before due time, even with a small penalty which is understandable. I am a businessman, am 46 years old and earn decent money, so their decision was quick. Thank you Yorkshire Bank for going the extra mile for your clients.

Review posted by Frank Newborn

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I have never posted a review for anything before so I hope I can put into words the peace of mind this loan with Yorkshire Bank has given me and my wife.We were desperate to get the money to help our youngest daughter who had got herself mixed up with the wrong sort of crowd and ended up owing money to some people that were making her life a misery. My wife and I have never borrowed this sort of money before but we were only to happy to do it if it meant our daughter could be free of these awful people.Yorkshire Bank have been our bank all our married life and it didn't enter our heads to look elsewhere for the loan and normally we would do all our banking through the staff at our local branch. However this was a bit of an awkward situation for us and so doing the loan application online was a great alternative.When our errant daughter is not getting herself into tricky situations she is very good on the computer so we asked her to help us with the application which seems to have acted as a bit of a wake up call for her because she has got herself sorted and is back to being the kind and responsible daughter that we know and love and she is already looking for a job so that she can pay us back.

Review posted by Bob M.

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Yorkshire Banks advertised APR of 4.9% wasn't one of the lowest I came across on the loan comparison website but it was low enough for me. I had always intended getting the loan through them because they are my bank and I have had many happy years of good service from them and just preferred to do this through them.It's all very well being quoted a low APR but the whole loan package had to be right for me and I was only getting that with Yorkshire bank who knew me and my financial situation better than anyone else. So the APR might not be the lowest but Yorkshire bank have given me a very affordable monthly repayment over a period of time that is just right for me, so I am very happy and would like to say that sometimes the personal touch from a bank that you know and trust is worth more than a slightly lower APR.

Review posted by Davinia Leybourne

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Avoid and apply for a loan with another lender. Yorkshire bank are not to be trusted and they have no loyalty what so ever. I have to laugh when i see the ad ' Yorkshire Bank (We care about here) ' this could not be any further from the truth as the bank is owned by the National Australia Bank and they could not care less about here. Having been a customer for around 25 years i have had various personal and commercial loans from Yorkshire bank. In 2009 i put my trust in Yorkshire Bank and i obtained a large commercial property loan from them. Once the property crash hit the bank really showed there true colours as they began to carry out forced sales and draw in loans. I understand that the banks have to protect shareholders money but i am afraid Yorkshire Bank went a step too far and lost a lot of valued customers, apply for a loan with a UK owned bank

Review posted by J Coleman

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I needed to borrow £8000 to help my son pay for his wedding reception. Its a moment in a life time, so it was only right that his parents helped him out. I have invested some money in stocks and when the price is right I will sell them, but for now, taking out a personal loan was the best move. I chose Yorkshire bank for one reason alone. They give clients the possibility to mpay off the loan before the time if they run into money, by paying a 58 day penalty fee. That suited me fine, so I applied to pay over 60 months, knowing that maybe in 24 months I could pay it in full. The proceduire was effort free and quick. Im impressed with their services.

Review posted by Bart Newman

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I recently needed to borrow £16 000 as I needed to go to China to buy more stock for our store and did not feel it was business wise to take the funds out of my company at this stage.I applied to Yorkshire bank as they are one of the few institutions that I´m aware of, that allow you to pay back over more than 5 years unless you are able to pay the whole loan off in less than the agreed time, in which case the fee payable is not excessive, merely 58 days interest or so.This delighted me and I therefore opted to work with them.Throughout the procedure they were meticulous and efficient so I have nothing but praise for their work.I take this opportunity to thank them.

Review posted by Sharon Svinos

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My name is Theresa Banks, 66 years old and retired. I receive a good pension and have money in saving accounts so I´m not desperate for money, however seeing that the interest rate at Yorkshire bank is so affordable and not high, it pays me to borrow from them a little amount, instead of going to draw out of my savings. I´m wise enough to know that money taken out rarely gets replaced, so it was my choice to buy my grand childrens Xmas presents this way. I was unsure if Yorkshire bank would risk lending me, because of my age, but I guess because I only asked for £1000 over 12 months, they agreed. I now can go and buy them something special and the repayments will come out of my debit card, so I do not have to worry about forgetting to pay Yorkshire bank. It all worked out well.

Review posted by Maureen Stevenson

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My son and his wife are relocating and moving to Spain for good. I will miss them terribly and will only see them on holiday time. As they are spending so much with this move, I offered to help them out with some money so they can start a new life without pressure. I wanted to offer them £10 000 but had saved £5000 already. The difference, I applied for a personal loan with Yorkshire Bank. They did not ask what the money was for, which I felt was a good thing. They checked me out I´m sure to see if I had a good credit history, but would have seen that I was clean and reliable with my past commitments. The loan was accepted and the funds made available in a short period of time. Its good to see we have banks in the UK that are on the ball. Great feeling.

Review posted by George Anderson

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For a few years now I have wanted to travel accross Europe by motorhome and stop where we want. As both my wife and I are retired, we felt it was time to act on our desires. We had saved some money to last us for a long time, but we wanted to upgrade on our motorhome, so we traded our old one in and applied for a loan with Yorkshire bank of £5000 so that we could get a more reliable and newer one. We offered to pay back the loan over 2 years, which was a comfortable amount that we could, from our pensions afford. Yorkshire Bank said yes to our application. Although we will be overseas we do not have to worry as they said that the installments will come off our bank account automatically. Its nice this way. Thank you Yorkshire bank.

Review posted by Michael Toweel

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I have always wanted to buy a race horse. I have a friend who is a trainer and he always said he would train it for me. Race horses are expensive but I found a promising filly for £250 000 and I, together with 9 other friends each invested £25 000 and went ahead and bought it. From my side I had to apply for a personal loan with Yorkshire bank. I was told they were very strict, but I did not find that to be the case. They did a credit check on me, I guess, and righfully so, to ensure that I could afford the repayments, so I must have passed their scrutiny, as it was granted, over a 6 year period. I have the chance to pay the whole amount back if my filly wins a good race or two, and that is the reason why I applied with Yorkshire bank. It will be a pleasure to pay the commission of interest of 58 days, as it means my filly is making me money. They did double check that my monthly income was high enough to justify paying the loan, but that was always a demand in their rules. Good bank.

Review posted by Peter Hardy

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I applied to Yorkshire bank for a £2000 loan and as I´m only 22 years old it was refused. I was not impressed as I earn £1400 per month which is well over what they require a borrower to be. I then saw on their rules that if you are a client of Yorkshire bank, you only need to be 18 years old, so what did I do?...I went to open a current account with them and re-applied 2 weeks later. LOL. The outcome ? My online application for £3000 over 3 years was approved. Unreal how all we need to do sometimes, is think outside the box. They were friendly, the rate of interest was about average and I got the money I needed for what I needed! Good move. I do not intend to default, so all will be OK Yorkshire bank. Thank you.

Review posted by John Adams

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My wedding is next month and my husband to be and his parents are paying for the reception. My parents are paying for our honeymoon and for my wedding dress, but it was up to me to pay for the bridesmaid dresses which were more than £2000.I decided to take out a personal loan with Yorkshire Bank for £1000 as I was a little short of cash.I was taken back by their speed, their professionalism and the simplicity of the whole process.Also the interest rate was very similar to the other banks that I had checked out, so overall it was a good bank to opt for.The loan was approved and I´m happy about how it all went down.Thank you to the staff.

Review posted by Sharon Wessman

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Its time to go visit my best friend in Australia which myself and wife have not seen in 25 years, so as it is an expensive trip. I applied to Yorkshire bank for a £4000 loan , and ticked to pay over 3 years. Between my wife and I paying the loan would not be hard and at least we did not have to save up to go...or else probably another 25 years would pass us by... The interest rate at Yorkshire bank of 4.9% is not excessive and the fact that it is fixed brought us comfort. It was approved, unlike my neighbours which was refused, so I guess we are lucky. Australia here we come!

Review posted by Neil Pass

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Its my hen party in December and I´ve invited my best 6 friends to go with me to Portugal for a weekend. it is going to be a blast. I must admit I dont have the cash and neither do they. I also dont want to ask my fiance to give me the money. He is well off and would write me a check, but I prefer to ask him after we are married. I therefore asked Yorkshire Bank for a £4000 loan over 4 years, knowing all too well that once Im married my hubby will either pay my installments or pay it off before the time. It is after all something that the bank allows, as I read on the information page. They gave me the loan for which I´m grateful. so I had to write this review as they were great and speedy at doing it. Tks Yorkshire bank !

Review posted by Florence Anders

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I must admit I was a bit blaise when I first started looking for a suitable lender. I needed a personal loan to pay for some home improvements in time for Christmas when all my family will be visiting. Not one of the several lenders I looked at could offer me a loan that was both competitive and easily affordable, with the emphasis on easily affordable. I needed to get the work done but coming up to Christmas I didn't want to be paying too much in repayments and leave myself short for all the extra things I would be buying over that period.I was about to give up on the home improvements and make do until the new year when I decided to give my own bank a a try. I wasn't feeling particularly optimistic but it was a last ditch attempt because I assumed they would be even less competitive than the online lenders.How wrong could I have been. Yorkshire bank turned out to be an absolute blessing in disguise and in less time than it wasted on all the other lenders I have approval for a loan that was well within my budget and whilst not the lowest of APRs at 4.9% it was still competitive enough for me.I wish I'd had more faith in my own bank as I could have saved myself an awful lot of time and trouble, but you live and learn I suppose.

Review posted by Louise Sneddon

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Until I got this loan from Yorkshire Bank I had been dreading Christmas and New Year because I had started a new job in an advertising agency and everyone was talking about all the amazing parties and functions that we would be invited to.I struggled to find a suitably trendy outfit to wear to work each day let alone enough outfits to wear for several very trendy and posh functions that might well see me rubbing shoulders with all sorts of famous people.It was my mum's idea to get a loan from Yorkshire Bank and she said they would be only to happy to lend money to someone like me that had been in well paid steady employments since leaving school.Thank goodness she was right. Yorkshire Bank have given me really good deal on this small loan and I will not only be treating myself to some gorgeous new outfits, but I'll still have enough left over to put towards my summer holiday next year.Thanks Yorkshire Bank and thanks mum for the great advice.

Review posted by Kelly Wainright

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Im writting this review as I feel that Yorkshire Bank deserve me to give them the thumbs up. I needed a personal loan and debated for days as to which company to approach and am now glad that I opted for them. I only needed 2K and was happy to pay it back over 12 months to keep the interest rate down. Yorkshire Bank verified the information I gave them; salary ; age and enquired as to what my monthly expenses were. They were quick at making a decision and at depositing the funds into my current account.As there was no burocracy and they were professional I felt it was fair to rate them highly.

Review posted by Frederik Thomas

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My son is a lovely young man but last month he had a few drinks with a friend and they started gambling on line. He spent loads of money on his credit card and he lost close on £2000. In order for his wife not to find out he asked me for a loan. Catch 22...I didnt want my husband to know either, so instead of drawing the cash out of our bank account, I opted to ask for a personal loan with Yorkshire Bank. I know they are reliable, safe and practise a fair interest rate , as my husband borrowed from them before. I applied on line. Found the application to be simple and straight forward. It was granted. Now I can help my son, and my husband will not know as a small amount coming off my bank account will not be noticed.

Review posted by Christine Maguire

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My son just got married and his new wife and him found a lovely cottage for sale near our house. They wanted to buy it and both earn very good money, however they needed £12000 as a deposit which they did not have. My husband and I spoke about it and made the decision to offer them that money as a wedding present. We both agreed that as we can afford to pay a substantial monthly amount , it would be financially more liable to take out a loan rather than withdraw it in one go from our savings. Yorkshire bank advised us to take out the loan over 48 months, which we did. Client services were magnificent and Im sure the interest rate is pretty much the same everywhere so we were happy to proceed with Yorkshire Bank as we were very well treated.

Review posted by Patricia Wiesman

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I needed to take out a £3000 loan as needed plastic surgery done, which is considered cosmetic...so it was not covered by medical aid. I did not want to wait until I saved up the cash, so the best route was to borrow it. I needed to find a bank that would offer fixed interest rates and would allow me to pay off the debt before the due time, if I, by any chance could. I found both these possibilities with Yorkshire Bank when I searched readies.co.uk . They lent me the money which I will repay in 24 installments. They provided a good service and overall I feel they are a good option to consider when people need a loan.

Review posted by Maria Pretorious

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My name is Philip and I live in London. I find that there are many financial institutions offering to lend money, but most banks demand that you are one of their clients which is a pain! What I saw with Yorkshire bank, is that such is not the case and that was the reason why I applied with them, considering also that the interest rate they offered seems to be about average. As I´m 27 years old I qualified to borrow from them and therefore applied for £3000 over a 24 month period. My credit score is good and I had no problems getting the loan. I´m rather pleased.

Review posted by Phillip Walters

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I needed to buy a new dishwasher , a washing machine and a new friedge and big freezer. It was not convenient for me to dig into our families savings, so I applied to Yorkshire bank for them to lend me £2500. I liked the fact that their interest rate is not subject to the Bank of England and it is therefore fixed and also the flexibility that one doesnt need to necessarily bank with Yorkshire bank to be allowed to apply. They did a credit check on me and as I have a solid financial background the loan was granted. I now have my new appliances and had no stress. Good bank, I say!

Review posted by Joana Mc Court

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My wife and I are retired. We are both in our late 60´s and have always been good payers. Our mortgage is paid off and apart from living expenses we do not have any credit with any banks. Last month it was our daughters wedding anniversary and we decided to surprise them and offer them a nice little car. The one they liked was £12000. We do have savings but we also have a good pension, so felt that maybe we should take out a loan. We spoke to Yorkshire bank and saw that the interest rate they were offering us was fair and that the installments over 4 years we could afford, so we applied with them. They did a full credit check on us to make sure we were not risk clients and when they were happy that we were safe they authorised the loan and transfered the cash to our bank. Thank you Yorkshire bank for making it simple to apply.

Review posted by Paul and Maureen Morris

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I am a not a client of Yorkshire bank but made the decision to take out a loan with them when I read on their site that they give loans to non-clients.Also ofcourse because I had seen that the interest rate was OK and that they allowed one to pay the loan back in full before the full time, in other words early re-payment was possible with a fee of only 58 days interest charges.This for me was good, as I needed to borrow £8000 now, to help a family member, but know that I´ll probably be able to pay it back long before the 5 year term of my loan.The reason for this is that I can, if I want, cash in an insurance policy.It suited me, these arrangements.I received the funds requested in a few days after a meticulous check up on my background credit history.I can accept that, as they are running a business and were clear from the off set to ask if I had a good credit score, warning me, that otherwise, the loan could be refused.

Review posted by Charles Ford

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I am a 20 year old young man who needed a loan not so long ago. I know that Yorkshire Bank only give personal loans normally to people over the age of 23 but as I have a current account with them I can benefit from a loan even at my age which is fantastic for me. I took advantage of this rule, to ask to borrow £4000 from them. My annual income is almost £17000 and this enabled me to get the loan, also as I do not have a bad credit history. The whole procedure was easy enough and they did not complicate any issue. I have been given what I asked for and could not be happier.

Review posted by Wilson Smith

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I found Yorkshire bank to be straightforward and to the point, saying it like it was, when I applied with them to borrow £3000 for some hairdressing appliances for my salon. They guaranteed me a fixed interest rate with no risk that they would raise my installments, if the Bank of England´s rates went up, which was the truth as my friends repayments did go up but not mine. They were also fair, opening an exception, as my annual income is £14 900 odd...just short of the £15 000 they require...but they still authorized the loan. Maybe their understanding of it, is that they must know hairdressers get tips which help our income. Either way I got the loan, am paying it back over 4 years which is totally within my reach and no risk to Yorkshire bank. So far no complains, I hope it remains this way.

Review posted by Sophie Dhanoa

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It pleases me that I found a bank that allows the borrower to pay the loan back in full before the end of the term.This is what I found to be the case with Yorkshire bank.It was convenient for me, as with Xmas coming up, I always receive some nice cash gifts from my whole family, so I intend to pay back the loan, understanding that the penalty will be only 58 days interest.This means that I borrowed the money in April this year over 2 years, but if I pay it back after only 8 months I will be saving on a lot of interest.Its a fair offering that most banks would NOT dream of. I know as I checked various.I expect to pay off the remaining £2000 debt soon and be free again.I take the opportunity to thank Yorkshire bank for having given me the loan back then.

Review posted by John Aspin

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I applied to Yorkshire bank for £8000 as I needed some funding to help pay my kid´s university fees.My wife suggested I apply with Yorkshire bank as she is very nervous of fluctuating interest charges. She feels more comfortable knowing to the cent how much the monthly repayments will be, even if in the end it works out more expensive.Yorkshire bank offer fixed rates, thus we applied with them.We achieved a relatively low 4.9% APR interest, which seemed fair enough, if compared with some other institutions.We asked to pay over 5 years so not to feel the pressure, but are convinced that before the due date we will endeavor to pay it off, saving some money, even with the 58 interest charge added.We are convinced we did the right decision by approaching Yorkshire Bank, but time will tell.So far so good.

Review posted by Andrew Prince

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I was looking for a personal loan that offered not only the best rates but also flexibilty and a fixed rate and I found all of that with YORKSHIRE BANK. I went in to the local branch and spoke to the representative about taking out a personal loan of £7000 and also requested that the loan be repaid over a 3 year period. Obviously they need relevant information securing the loan or rather to make sure that your monthly instalments will be met without putting you under undue pressure. As soon as this was confirmed the loan was approved and they have the flexibility that if I want to pay the debt off earlier then I will save a lot and only have to pay very little interest. The money was soon transferred to my account and I even signed a debit order so that I wouldn't forget the instalments. YORKSHIRE BANK were really helpful and I will use them if ever I need to in the future.

Review posted by James Crawford

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I was after a small personal loan and what I was looking for from the bank was promptness, professionalism and efficiency with the least red tape. I'd read about YORKSHIRE BANK and so applied online for £5000 to be paid back over a 2 year period. I filled in whatever was required for them to do their credit checks which led to loan approval very quickly indeed. I am gainfully employed so the rest I suppose was just to confirm that the monthly instalments could and would be met. I soon had the money transferred to my account. Another satisfied client. I'll certainly recommend YORKSHIRE BANK.

Review posted by Mathew Curtis

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I have applied for a few loans in my life and something that I find very frustrating is the fact that many Banks demand that you bank with them to grant you a loan.Also, the majority demand to know what the loan is needed for.I feel this is also not correct , as, if one pays the loan on time and religiously, it is none of their business!I found that Yorkshire Bank did not demand either of the above and these were 2 good reasons for me to apply with them for the £2000 that I needed.The money, in fact, was to pay back some money I had borrowed from my mates when we had gone to the race track.Irrelevant!I applied with Yorkshire Bank, taking the loan over 12 months and received an immediate decision.The interest rate was about average compared to other banks and I found the bank to be professional.Had to say it for others to know.

Review posted by Marie Jerram

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My name is Sonia Peterson and I live with my parents and sister in a small town in South London.Living with your parents has some pluses, for example not paying rent, which gives you more spare cash to spend on occasional luxuries.This allowed me to also save and buy a small car cash, no installments.It was however not enough to pay for my 2 weeks holiday to the Greek islands this summer, specially as I wanted to take my sister along, which meant pay for her.I applied on line for a £3000 loan with Yorkshire Bank, agreeing to repay it over 24 months.Although I´m only 22 years old, Im eligible to apply with Yorkshire Bank as I am a client of theirs and earn more than £15000per year.I ´m in favour of using this bank also because it gives me the possibility of repaying this loan long before the 2 years are up, if I chose to and am able to do so, paying just a small extra charge.I think for all this reason alone, it pays to use Yorkshire Bank.

Review posted by Sonia Peterson

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My wife and I want to thank Yorkshire Bank for all their help and advice when we applied for our first ever personal loan with them. We had never borrowed such a large sum of money before and we were worried about overstretching ourselves but Yorkshire Bank have made sure that we have borrowed within our affordability and so we are not at all worried about making the monthly repayments.This loan means we can replace our old car and help our daughter out of some debt she has in time for Christmas and we will be able to treat our grandchildren to a few extra presents as well, so we are all going to be very happy come the new year. We might not need another loan in the future but if we do we know who to turn to first.

Review posted by Harry Ramsbottom

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  • Ease Of Use
  • Value For Money

My personal loan from the Yorkshire Bank has got me out of a huge mess financially. It means I can pay off all my credit card bills and pay back my parents who have been lending me sums of money for the past year. I am now in a much better paid job and wont be struggling to get by each month and it will be made all the more easier knowing that I only have to make sure my loan repayment is made each month and then the rest of my salary can be put to good use. I don't plan on getting into bad debt again and Yorkshire Bank have given me a head start with sorting my finances out once and for all.

Review posted by Jessie Slattery

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I've been with Yorkshire Bank since leaving school and I never even thought about looking elsewhere when I needed a personal loan recently. They have been very helpful and given me great advice over the years, especially when I was buying my first property. There may well have been another lender out there offering a lower APR but it wouldn't have been tailor made to suit my personal requirements because they don't know my financial history as well as Yorkshire Bank do. For the sake of argument, I did look online at other loan options but there was nothing so great that I felt the need to ditch the services of my own bank and go with a company or bank that I didn't know well enough to trust 100% like I do Yorkshire Bank. Unless you're the sort of person that thrives on taking risks, I don't think you can put a price on trust and the peace of mind that comes with it.

Review posted by Tessa Mulgrove

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  • Value For Money

This is only the second personal loan I have ever taken out but they have both been with the Yorkshire Bank, not out of some misguided loyalty but simply because they have been able to offer me a very competitive loan each time with a repayment schedule that doesn't stretch my monthly budget too much.When I asked Yorkshire Bank's loan adviser for this recent loan I said just give me the same as I had before and she laughed and said she could give me an even better deal this time and I wasn't going to argue with that. So once again I am a very satisfied Yorkshire Bank customer and hope to remain so for some time to come.

Review posted by Chas Roebotham

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Now that I have had my personal loan approved by Yorkshire Bank I thought I would just say how very happy I have been with the service I have received from the staff at my branch.I did my initial search online with the help of my daughter but when we decided that Yorkshire Bank would be my best option I preferred to do the rest of the process at my local branch.I am pleased that I did because it meant I could voice any concerns and queries I had before committing myself to the loan and the staff were able to give me all the answers and advice I needed before I signed the paperwork.I feel very happy and relieved that this loan has been sorted for me and I will make a point of going to Yorkshire Bank first if I ever need another loan in the future and my daughter has been so impressed with them that she has decided to apply for a loan as well even though she doesn't bank with them.

Review posted by Graham Wilkes

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  • Value For Money

Yorkshire Bank didn't put me through the third degree when I applied for this personal loan, unlike some of the other loan companies I have used over the years. That doesn't mean they aren't responsible lenders because they are. Their main criteria for lending money seems to be that you are not borrowing more than your affordability will allow. Once they have decided you are a suitable candidate they then proceed to provide you with a loan that is going to suit your particular circumstances and not cause you any problems when it comes to making the monthly repayments.In my opinion that is all you can really ask for from any lender and I am glad that Yorkshire Bank have done that for me. I can't guarantee you'll get a loan from Yorkshire Bank but I would definitely recommend you give them a try.

Review posted by Lance Acourt

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There's an old Northern saying "where there's muck there's brass" and I'd like to add a little saying I've just made up and that is "where there's no brass go to the Yorkshire Bank for a Loan". The wife begged me not to type this but she's just as relieved as I am that we got this personal loan from the Yorkshire Bank because it's going to get us the air fare to go and spend Christmas with our son and his family in New York and it is a dream we never thought would come true.My son is doing very well over there in America and he kept offering to pay for our flights but I'm a proud man I wasn't having any of that. If we couldn't get the money ourselves the wife and I weren't going and it was as simple as that.Not accepting charity doesn't mean I won't listen to good advice and so when my son suggested we get a loan to afford the air fare I gave it some considerable thought and then decided to do just that. So here we are now all ready and excited to be joining our son in New York and it's all down to a very fair and reasonable loan from the Yorkshire Bank.

Review posted by Reggie

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Yorkshire Bank is not going to be forgotten in a hurry in our household because after struggling for weeks to get a personal loan that was convenient and affordable we finally managed to secure a loan with Yorkshire Bank having found them on the loan comparison website.We had had a number of unexpected bills that ate into the money we had put aside for Christmas and not only that, we had used up every bit of credit we had left on our credit cards and the whole thing was getting us in a real mess.When we finally worked our way through most of the lenders on the loan comparison website we came across Yorkshire Bank and nearly bypassed them because we thought you had to either live in Yorkshire or at least have an account with them. I am glad to say we were wrong on both counts and once we filled out the online application and were accepted subject to the usual credit checks we couldn't believe our luck.Fortunately for us we weren't behind with any of our credit card repayments and so the loan application went through and we have just been informed that the money is in our account.First off we are going to pay off all the credit cards and then we can relax and spend the loan wisely but also make sure we have a great Christmas because that is what we wanted the loan for in the first place.

Review posted by Noel S.

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I was looking for a personal loan to do some work on our house and while the work was being done the wife and I would take a few days off and pop over to Croatia for a late Summer break.My eldest son told me about Yorkshire Bank. He has an account there. We don't but he still suggested we apply there for the personal loan. We went in to the branch and filled in all the necessary documentation and the loan was approved promptly. The amount we wanted was £8000 and we chose to pay it off over 4 years so that there was no pressure on us at all and the fixed rate made it even more attractive.It wasn't too long and we had the money in our account and we were off onthe break while my son supervised the work at home.I must thank YORKSHIRE BANK!

Review posted by Paul Jardine

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Now that my personal loan is all sorted and my first repayment is not due until January I thought I would post a review to say how delighted I have been with the whole experience.I don't mind admitting that I was very apprehensive about taking out a loan for such a large amount of money and I gave the whole idea at lot of thought before finally going ahead with it.I think what made the final decision easy for me was the help and advice the staff at Yorkshire Bank gave me and at no time did I feel under any pressure. It was simply a case of the loan is there if you want it.Add to that the fact that all my friends told me I was lucky to have got such a good APR on borrowing that amount of money and with such affordable monthly repayments they all said I would be mad not to take it.So I did take it and the money has been put to very good use paying for a nice new car and a holiday to Italy with my best friend next Spring. So I would like to say thank you to the Yorkshire Bank for the loan and for being so patient with me.

Review posted by Geraldine Cauldwell

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Never in a million years did I think I would ever be borrowing such a large amount of money but the time had come to replace my old kitchen and the only way I could afford to do so was with the help of a personal loan.Yorkshire Bank have been my bank for more years than I care to remember and they have got to know me and my family pretty well as my daughters bank with them also. I was quite open with the loan adviser at our branch and asked them to tell me how much they thought I could borrow based on my earnings without getting myself into any financial difficulty and when they told me I was very pleasantly surprised.However I wasn't planning on spending quite that much on a new kitchen but it did mean I wouldn't have to compromise on the lovely oven and hob I had set my heart on.Well my new kitchen is almost ready in time for Christmas and I can't wait to cook my first turkey in my brand new oven and if it gets burnt I can always blame it on me still getting used to the new oven!

Review posted by Margie

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It was time to get my act together and consolidate my credit card balances. I needed to put a stop to the high interest rates and get some control on my finances. I figured the way to do it was to get a personal loan. I began to look on line at the lenders available and what the eligibility was, I seem to qualify for most of the lending institutions but favoured Yorkshire Bank because of the flexibility they offered.I went on line and looked at their criteria, that worked for me, so I proceeded to fill in an application. I really needed to be solvent again and hoped I would be offered a personal loan. I was successful and the money was in my account before I could turn around. I like the idea of being able to pay off early too, that was a bonus to consider.

Review posted by Cameron Felton

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I needed to make a hole in my student loans and as I have secured a good paying job, I felt getting a personal loan was the way to do it. There are so many lenders out there it took a while to research who offered the best rates and flexibility. My boss told me about the Yorkshire Bank and how easy they had been to work with, so I thought I would look at their website and see what they had to offer.I was pleasantly surprised at what I read and I just about qualified for the age group, so I pulled up the loan application, submitted it and waited for a response. They came back very quickly and I am pleased to say offered me a really good rate. The repayments were ok for my budget so I went ahead and accepted. The money was paid into my account the very next day. I am glad I went with the Yorkshire Bank.

Review posted by Stephen P.

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I needed to re-roof my house at the end of the summer and did not have enough in savings to do it. It wasn't leaking but I was worried it might when the rains came. I wanted to write a review on my experience because it was so positive with the Yorkshire Bank. A friend had told me about the Yorkshire Bank and how they had treated her so fairly, so going on her recommend I gave them a try.I pulled up their website and read their statements and conditions and looked at what they offered. I like to do transactions in person, so I went to the local branch of the Yorkshire Bank and sat down with a loan officer. He was very helpful and told me about all the options available. I felt very comfortable with the whole process and he said he would phone me the next day to let me know their decision as he had to do some preliminary checking on my credit history. He rang as promised and I had been offered a personal loan. The money was in the bank the next day, I was really impressed with the Yorkshire Bank.

Review posted by Trudy H.

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I wanted to upgrade my car and do not like paying over and above the normal interest rates through the dealerships. I decided to apply for a personal loan so I could go into a car showroom with cash and trade in my current vehicle.I have been with the Yorkshire Bank for several years and was confident that I would be successful in applying for a loan with them. I went into my local branch and sat with the loan officer. We talked about what was needed and she offered suggestions and options. We filled out the application and she made a few phone calls while I waited. She was really helpful and I was delighted when she called me back into her office with an offer of a personal loan to cover the cost of my next vehicle.

Review posted by Linda Sullivan

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My boyfriend had been posted abroad for a tour of duty and I really wanted to be with him for Christmas. I did not have the funds to make the trip to decided to apply for a personal loan so I could achieve this goal.My parents have been with the Yorkshire Bank for many years, and my dad told me to apply to them as they were very flexible and good to deal with. I have a good paying job and could get the time off for this trip, so it was went ahead and applied. I pulled up their website and read the terms and conditions, which I could conform to, and made the application.I received an instant decision which was very pleasing as it was positive and they said the money would be in my bank account the next day. The interest rate they offered was not bad at all, and I could handle the repayment amount, so I accepted and started to make plans for my trip. Thank you Yorkshire Bank.

Review posted by Nicole D.

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My family and I are going to have the best Christmas ever and it wouldn't have been possible without this loan from Yorkshire bank. It is going to help me and my wife get all our children under one roof for the first time in many years. With this extra money we can pay for our youngest son and his wife and children to come all the way from Portugal to spend their first Christmas with the rest of the family since their wedding in Lisbon 5 years ago. Our daughter in law is Portuguese and she and our grandchildren have never been to the UK before so it will be a real treat for them especially.We can't thank the Yorkshire Bank enough for getting this loan sorted in such a short space of time because we only applied for the loan two weeks ago and thought me might be too late to get the flights booked in time. We are all very excited about finally sitting down as one big happy family on Christmas Day and now all we have to worry about is getting a turkey big enough to feed us all.

Review posted by Glen Fordham

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When I told my parents I was thinking of taking out a personal loan they said they had just got one themselves and were extremely happy with the APR they were finally quoted. It turned out to be far more competitive than the rates I had been looking at with other lenders and so I asked them who they got the loan from. When they said Yorkshire Bank I laughed because we live in Somerset and I don't think my parents have ever been further north than Watford. But because you don't have to be an existing customer or in deed live anywhere near Yorkshire it is a loan option that is available to anyone in the UK and so I decided to give them a go.I have to say that I am more than impressed with the service I have received from Yorkshire Bank. They have managed to approve me a loan that doesn't have as low an APR as my parents loan but I totally understand why that should be and fully appreciate how they work out what APR to charge on each individual loan. If I'm honest I thought I would be considered a much higher loan risk and have to pay an APR that reflected that so I am delighted that wasn't the case. If any of my friends ask advice on getting a loan I will recommend Yorkshire Bank and sit back and wait for them to laugh their heads off.

Review posted by Paul Mason

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Starting 2016 with just one debt is the best feeling ever. And it's thanks to my loan from Yorkshire Bank. They have approved a very competitive loan with an affordable monthly repayment and this is going to make my life so much easier. It means I can get on with my busy job knowing that each month I don't have to worry about which bill to pay first. Each month one direct debit payment for my personal loan will have sorted the lot because my loan from Yorkshire Bank has allowed me to consolidate all my debts and pay them off with this personal loan.I wish I had done this earlier in the year but it's done now and I shall make a real effort not to be too free and easy with my credit cards in the build up to Christmas because I don't want to undo all the good work this personal loan has done.

Review posted by Mr K., Cheshire

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Merry Christmas and a very Happy New Year to all the staff at Yorkshire Bank. I know that I am going to have a much better start to 2016 thanks to the personal loan I have just got from Yorkshire Bank.After months of deliberating I decided to apply for the loan so that I could finally get a start on the extension to our bungalow. Once it is done it will mean my wife's dream of a much bigger kitchen will come true.She has recently started her own little business venture of making wedding cakes etc. for close family and friends and to have a much bigger kitchen with all the labour saving gadgets is going to help her in her new venture.She already has 3 orders for wedding cakes and lots of enquiries for birthday cakes so the business is already taking off and the new kitchen couldn't come quicker as far as she is concerned.Hopefully it will all be done by the end of January and she can get stuck in to making those cakes and earning us a bit of extra money to help pay off this loan.

Review posted by Edwin B.

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Once again the Yorkshire Bank team have come up with a great loan for me. I haven't had to call on their services for a few years but nothing seems to have changed with regard to the excellent service they give their customers who are looking for a personal loan. Well at least that is the case with me and I am glad that I chose to go with them for what is only the second ever loan I have had to take out in over 20 years. Each one with the Yorkshire Bank and each one as competitive as I would like as it saved me having to look elsewhere. I would much rather use my tried and trusted bank for things like loans and so it is very reassuring to know that my loyalty is being rewarded.

Review posted by Ted H.

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My parents started banking with the Yorkshire Bank when they first came to Britain and they have always spoken very highly of the service they enjoy from their local branch. So when I needed a personal loan recently I thought I would give them a try and see if they were worthy of my parents praise.I wasn't a customer of theirs but hoped my excellent credit history and well paid job would be in my favour. I am delighted to say that it was and that I have just got approval for my loan with a really competitive APR and very affordable monthly repayments. I really couldn't be happier with the outcome and so I think that means my parents praise of the Yorkshire Bank is well deserved and I think I should add to that praise myself and say thank you to Yorkshire Bank.

Review posted by Masood P.

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Just over a week ago I had a major financial problem that was sprung upon me without any notice and I had to get it sorted sooner rather than later. That is when having a good relationship with your bank comes in very handy because I have been a customer of Yorkshire Bank for many many years and when I explained my dilemma and told them how much I needed to borrow they immediately set to work sorting out an affordable loan for me. So its thanks to them that I am now looking forward to 2016 without any major worries dragging me down and the personal loan is the reason I can now sleep easily at night. So thankyou Yorkshire Bank and a Very Happy New Year to you all.

Review posted by Graham A.

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Our daughter is getting married in the Spring of 2016 and even though she isn't expecting it, my wife and I want to contribute to the cost of the wedding. We know most young couples are happy to pay for their own special day but my generation of dads like to be traditional when it comes to our daughters wedding.My wife has secretly worked out how much my daughter is planning on spending for the wedding and we have borrowed enough money to contribute half of that cost which we know our daughter will be delighted with. And I will certainly feel a lot prouder walking her down the aisle knowing that my wife and I have done our best for her and given what we can towards her special day.We couldn't have done this without the help of the loan from Yorkshire Bank and we just wanted to say a huge thank you to all the staff at our local branch for all their help in securing this very affordable loan that isn't going to compromise our finances too much.

Review posted by Mr B., Sheffield

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Our daughter is getting married in the summer and already the house is in a flap with my wife and said daughter taking over the dining room as their 'wedding planner' office. I soon realised what the possible cost of this wedding was going to run into and decided I would need to sort out a loan with my bank. I am sure both my wife and daughter think I have a money tree at the bottom of the garden!I've been with Yorkshire Bank all my working life and it didn't occur to me to go anywhere else for the loan but to appease my son who is always looking for ways to drag me into the 21st century, we did the application for the loan online. Even though I got an instant decision I went along to our local branch the next day and went through everything again before making it formal. Call it a 'belt and braces' approach if you like, but I felt happier after having had a chat with the loan adviser.So now my personal loan has been approved and the money is in our account which means the women can get on with booking everything which means I'll be keeping well out of their way and avoiding the dining room for the next few months, the bonus being I can watch what I like on the telly most evenings now. Oh well, every cloud has a silver lining!

Review posted by Ken Addington

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Yorkshire Bank weren't advertising the lowest APR for their loans but I knew enough about how banks and loan companies arrive at the rate they finally quote you to know that I would be getting a good deal if I went with Yorkshire Bank for my personal loan and I am glad to say I wasn't wrong.Getting a loan with an APR under 5.0% was the main objective for me and that had to also include easily affordable repayments both of which Yorkshire Bank were offering me and so I didn't see the point of procrastinating any longer because I wanted the loan by the January 2016 to be able to take advantage of a business opportunity that had come my way.Yorkshire Bank approved and processed the loan in little over a week and having the money at my disposal 48 hours later meant I could go ahead with my business investment and start 2016 off on what I hope to be a very profitable year for me and my family and that is thanks to Yorkshire Bank.

Review posted by Mike Tattisall

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I haven't always had good experiences when it comes to taking out loans and its not often I feel the need to remark on good service but I felt I really had to say how delighted I have been with the personal loan that I got from Yorkshire Bank and in particular the courteous way in which the staff treated my application.I wasn't a customer of theirs before I applied for the loan but I have been so impressed with the efficient way they processed my loan and the help and advice they gave me that I am seriously considering changing banks and going over to Yorkshire Bank, that's if they'll have me but if not I am still delighted to have got this loan and I just want to say thank you to the staff that I dealt with throughout the process. Its so refreshing to deal with people that actually seem happy doing their job.

Review posted by Perry Ashton

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Being a Yorkshire Bank customer didn't stop me looking at other lenders first before i applied for my personal loan because I like to know that I am getting the best deal for my loan and if I can save a few pounds by shopping around then it will have been worth it.Of course getting the right loan isn't just about saving a few pounds on interest rates. Its about affordable monthly repayments as well and that's where Yorkshire Bank came into their own because they know me and they know what I can afford to pay out of my monthly salary that comes out of their bank as quickly as it goes in sometimes.Thats how I ended up with this very affordable loan. Yorkshire Bank did the figure work for me and gave me a loan they were confident I could afford without having to live on bread and water for the next year. I couldn't ask for fairer than that now could I?

Review posted by Raymond Clegg

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Having just turned 20 I really didn't think I would get a loan from Yorkshire Bank even though they state on their profile that you can apply for a loan if you are 18 but are a current customer of theirs. Well I am a current customer but only just because I opened my account with them at the beginning of 2015 when I moved up to Wakefield with my boyfriend.We want to get married this summer and the loan is to pay for the reception and my wedding dress. I don't get on with my parents so this whole wedding is going to be paid for by me and my partner. Fortunately we both have good jobs and I think my well paid job as a secretary helped with getting this loan.I am so thrilled that Yorkshire Bank have given me this loan even though I am a south London girl born and bred I have got a feeling I am going to be very happy settling down to married life here in the beautiful town of Wakefield.

Review posted by Beth Rawlins

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  • Value For Money

Yorkshire Bank have approved a loan for me that is more than I could have hoped for in terms of the APR they are charging. I was worried I would be one of the unlucky ones that wouldn't be eligible for the 4.9% but that wasn't the case and so not only did I get the low APR but the monthly repayments are no way near as much as I feared they would be which means I won't be struggling at all with the repayments.I know my wife will be very relieved because she was worried that we might be taking on too big a loan but we really couldn't have got by with a smaller loan without having to compromise considerably on the size and quality of the kitchen extension we are hoping to build with the help of this loan.

Review posted by Thomas Burton

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Once we had the confirmation from Yorkshire Bank that our personal loan had been approved we opened a bottle of wine and gave a huge sigh of relief!The loan is to pay for our daughters wedding which she is bringing forward by 6 months for reasons that I think most people will realise. And whilst we are delighted about one aspect, it did leave us with a bit of a dilemma with regards to paying for the wedding. We were hoping to have saved enough by August but getting the money together in less than a month wouldn't have been possible without this loan.Yorkshire bank came to the rescue with a very affordable loan to pay for the reception and we borrowed a little bit extra to keep in reserve because we have a feeling that becoming grandparents is going to be a costly status over the next few years!

Review posted by Trish Mayhew

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Making use of your basement area seems to be all the trend at the moment but we will be more than happy with the loft extension we are planning thanks to the loan we have just got from Yorkshire Bank.Strange though it might seem we want to extend the loft area to create a new living room area because we will have the most amazing views across our local farmland once the picture windows are installed. We waited with bated breath to see if the council would approve the work and they did so we got straight on to Yorkshire Bank and applied for the loan.If we have any money over once all the work is done we might do something outrageous like convert the downstairs living room into a gymnasium but definitely not a snooker room because my husband spends enough time playing snooker down at our local pub when he could really benefit from visiting the gym a bit more.

Review posted by Sandy Jackson

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Searching online for a personal loan is not the easiest thing because to make up your mind and do the right thing can be tricky. But I made up my mind and chose Yorkshire Bank mainly, I suppose, because my girlfriend had an account there and had never had a problem.I went in personally to our local branch and spoke to the personal loan rep and asked for £6000 and also for a payback schedule of 3 years. I didn't mind the period as the loan had a fixed rate. As soon as my credibility was checked out and they were sure that the instalments could be met the loan was approved and the money made available. I was so impressed at their efficiency that I also now am a client of YORKSHIRE BANK.

Review posted by Scott Needham

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Yippee! We're going to Antigua for our honeymoon instead of Blackpool thanks to the personal loan we have just got from Yorkshire Bank.We are getting married in June and everything is more or less booked and paid for with the money we have spent the last 3 years saving. We had to compromise on the honeymoon because we had gone way over budget on the reception.We thought going without a honeymoon (I was joking about going to Blackpool!) wouldn't be too much of a problem so long as we got our dream wedding day. However, that was before we had this awful weather that is making everyone miserable and we realised that we hadn't had a proper holiday in the sun since we started saving for the wedding.Going without our honeymoon was no longer an option and that's why we decided to get a loan. We opened an account with Yorkshire bank when we got engaged and so we went to them for the loan and we are delighted that they didn't hesitate to offer us the loan and at a really good rate as well.We have just had confirmation that the funds are in our account and before we got on with the exciting task of booking our honeymoon we thought we should give Yorkshire Bank the positive review they deserve. So here it is, Yorkshire Bank you're the best!

Review posted by Deirdre Maguire & Stephen Marshall

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I'm not the best cook in the world but my husband likes to think he is the next Gordon Ramsey. So when he is busy in the kitchen me and the kids let him get on with it and just hope that the end result is something fairly edible and not likely to give us all a dose of food poisoning.So the personal loan to pay for a new kitchen was my husband's idea not mine. A walk in wardrobe would be much more my cup of tea but each to their own. Hubby has obviously been watching too many cookery programs because the kitchen he has his sights set on wouldn't look out of place in the aforementioned Mr Ramsey's house.I think getting the loan from Yorkshire Bank so quickly means the new kitchen should be installed in time for Pancake Day and that is probably the only time we all participate in cooking something and I am sure if any of the pancakes land on the floor we might hear a bit of colourful language to rival Mr Ramsey's and it won't be coming from either me or the kids!

Review posted by Mel Critchley

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I had a personal situation that I had to take care of a short while ago and I needed an amount of cash urgently and quickly. I thought about asking my parents but it would have meant answering many questions. I chose therefore to apply for a personal loan. Who to apply with was the choice I had to make. I had an account with Yorkshire bank, although a small one and still gave them a go. I visited the local branch and told their rep what I needed and after a while once they had done their credit checks, my personal loan of £5000 was approved and very soon thereafter the money was deposited in my account. A 2 year repayment scheduled was arranged which was perfect. I really appreciate Yorkshire Bank's help with no questions asked.

Review posted by Malcolm Swanson

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Im not used to this sort of thing but here goes. I just want to say thank you to Yorkshire Bank for saving my bacon and giving me this loan. My wife would never have forgiven me if I had not done something really special for our 40th wedding anniversary, never mind the fact that I thought we were only approaching our 39th year of wedded bliss!Over the last few years he'd talked about us going on a nice cruise somewhere warm and exotic for our 40th and it was only when I saw cruise holiday brochures on the kitchen table (the wife is as subtle as an air raid sometimes)one evening when I got home from work that the penny dropped and I realised my miscalculation.I got straight onto Yorkshire Bank the next day and secured a personal loan and once I knew the money would be available I set to work finding the right cruise for us. It wasn't nearly as easy and straightforward as sorting out the loan but I have managed to book it and the wife need never know how close we came to divorce or at the very least how close to quite a long spell in the 'dog house' for me!

Review posted by Malcolm Heaton

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Having used Yorkshire Bank once before for a loan a few years back I had a fairly good idea about how they operate and applying for the loan using the online facility is much more convenient for me since I moved out of the Yorkshire area last year.I was hoping to get a similar loan arrangement as the previous one because it suited my requirements then and those requirements hadn't changed very much. It was still a case of getting the most competitive APR for the most affordable monthly repayment over a 2 year period.Yorkshire Bank have more or less fulfilled all three requirements, with just a slightly higher monthly repayment than I wanted but as it is still easily affordable and the APR is so good I would be silly to turn the offer down and so I haven't! I was prepared to give way a little on those requirements and having to pay just a few pound more each month on the repayments is only a small compromise. So all in all I am very satisfied with things.

Review posted by Jim Broadhurst

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After finally getting my credit score back to a good level I could apply for a personal loan with relative confidence. But to be on the safe side I went to Yorkshire Bank because I have been a customer of theirs since leaving school and I hoped it would give me a better chance of securing a loan.That proved to be the case because I have got my loan and the APR they are charging me is way better than I thought it would be and its a really good result for me because if I'd had to get a loan from one of the 'high risk high charge' lenders it would have worked out too expensive for my budget and therefore the new car would have to wait another year.I am really glad I concentrated on getting my credit score sorted and it was the best advice ever and as it came from Yorkshire Bank's loan adviser that's another thing I have to thank them for.

Review posted by Dean J., Manchester

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Can I use this review facility to say thank you to Yorkshire Bank? I hope so because I don't have any notepaper to hand and I can only find a leaky biro!Basically I just want to say how delighted and relieved I am that Yorkshire Bank approved my loan because I wasn't sure they would because of me only working part time and being a single parent.Fortunately I live quite a simple life and my outgoings aren't too high each month and I knew I could afford the repayments on a loan but it was more a case of whether Yorkshire Bank thought I could.I was extremely relieved when they said yes because I didn't want to try getting a loan from a less responsible lender and I assumed if my bank turned me down then other high street banks would also.Yorkshire Bank have saved me from so much worry and stress by approving this loan and it really has meant a fantastic start to 2016 for me.

Review posted by Alison Danson

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Searching for financing of a new car is quite the chore unless you go to the Yorkshire Bank. I had a great experience when dealing with them, they were extremely helpful and knew what they were talking about. Their interest rate was pretty reasonable and I liked the terms they gave me.I had started to do some research on lenders and when I read up on the Yorkshire Bank I looked no further. They came back to me very quickly with an instance decision, so I was car shopping before I knew it. I just had to write them up to let other people know what a great bank they are to work with.

Review posted by Joe Street

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I applied to the Yorkshire Bank for a personal loan because I wanted to consolidate my credit card debt which was getting a bit out of hand. It made sense to have to make just one payment and hopefully at a lower interest rate.I did not know how I would fair with this application but another family member had told me what a decent bank they were and I should consider them.I went on line and read their statements and information, I did like the idea of being able to pay off early, so I decided to fill out the application and send it off. They came back with an instant decision and I was pleasantly surprised at the terms they were offering, I accepted and the money was in my back within a few days. I was impressed with their efficiency and professionalism.

Review posted by Andrew Lawson

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The Yorkshire Bank did a splendid job on my behalf when I asked for a personal loan. I needed to make some improvements to the interior of the home and decided to get a loan to do the project.I am a customer of the Yorkshire Bank and although I have not applied for a loan before, I know that they are good people to work with. I had talked with the loan officer and she had helped me put in an application making some very sensible suggestions. She certainly knew her job and her advice was sound. I heard back from her the same day and the application was approved. The money was available and in my account within a couple of days. Suggest the reader try them if you are seeking some funding.

Review posted by Larry H.

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I inquired at the Yorkshire Bank for a personal loan so that I could pay off my college tuition. I did not feel that I was bringing down the balance fast enough, and who needs to keep paying more interest. The Yorkshire Bank loan officer was very helpful and put me at ease as I was a bit nervous about borrowing money.We filled out the application and he gave me several options to think about. He was knowledgeable and I appreciated the time and effort he afforded me. This made it a good experience in dealing with a bank. I was approved for the personal loan and the terms were acceptable and I could make the payments. I would go back to them again if I needed to.

Review posted by Stephanie G.

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I needed to consolidate same family debts and put an end to different payments going out of the bank account, with different interest rates. I had heard that the Yorkshire Bank was pretty easy to work with so I looked them up on line and found out a little bit more about their organization. It all sounded fairly simple to apply for a personal loan so I went for it. I met the criteria they stated so filled out the application form and submitted it.They quoted an instant online decision would be made and they were true to their word. I did have to respond to a couple of more questions, but they offered me a very reasonable set of terms and conditions and approved me for a personal loan. This was a pleasant and easy experience. I would go with them again for a loan.

Review posted by Lloyd Tingley

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Due to ill health my wife is no longer able to get about so much which is such a shame because one of her favourite things was to go on long walks and we spent most summer holidays walking all over Britain and Europe.We still like to take our annual summer holiday but this time it is going to be a much more leisurely affair because we are going on a mediterranean cruise. Its going to cost us a bit more than our usual walking holidays and so to be able to afford it I have taken out a loan with Yorkshire Bank.Their a good bank and have served us well all the years we have been with them and this loan is the first for a few years but I am pleased to say they haven't changed too much apart from giving you the option to use the online facility now. They still offer good competitive loans and do their best to make sure their customers are satisfied with the end product and I most definitely am.

Review posted by Wilf Thomas

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Just paid the deposit on our villa holiday in Spain and we couldn't have done so without our loan from Yorkshire Bank. We borrowed the money because we haven't been away to a sunny place for several years and the wife and I are not great ones for the spray tans that seem to be popular at the moment. No sir, we'd much rather get the real thing and living here in Yorkshire there's not much chance of that happening We hope our kids might decide to join us because we have booked a nice big villa with 3 bedrooms and a large pool and we're not far from the beach either so there's plenty of room for us all. This loan is the best idea I've had in ages and it will be worth it seeing all the family splashing about in the pool and the wife and I getting a nice tan.

Review posted by Roger Aykbourn

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Too many times over the years I have put off taking out a loan and just struggled on a bit longer going without or making do. But as I have got older and I am more in touch with how the modern world operates, I realise that there is no point in struggling if there is an easy and, most importantly, an affordable option.Good things don't come to those that wait, well certainly not in my case, I have finally seen the light and done what millions of other people like me have been doing, I got fed up with waiting and got myself a personal loan instead.Now the point of this review is to say that whilst I am not advocating that people should live beyond their means and get themselves into all sorts of trouble with unaffordable loans. But if you do the sensible thing and borrow from a responsible lender like Yorkshire Bank, you don't have to wait for those things to come to you, you can jolly well go out and get them before you are too old to enjoy them. The wife and I are off on a cruise with our friends this May and it wouldn't be happening without this loan from Yorkshire Bank.

Review posted by Jim Claythorpe

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With this loan from Yorkshire bank I have been able to pay off all our debts from the Christmas shopping spree my wife does with great gusto every year and I have got enough over to put a deposit on our holiday villa that we have been going to for the last few years. It's a very popular villa and is in great demand so if we are late with our booking and miss out on our favourite slot of the last two weeks in August the wife gets upset and thats something that is always worth avoiding if at all possible.No problems this year because the loan came through in time and once the bills were paid I got straight onto the villa website and reserved our two weeks in August. I haven't told the wife yet because I like to keep a few cards up my sleeve when she starts moaning about the DIY jobs around the house that need doing and I know that as soon as I tell her the villa is booked she'll be like putty in my hands and the DIY jobs will get forgotten for another few months!

Review posted by Kevin Kiernan

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My friend recommended Yorkshire Bank for this loan. She had found them on the loan comparison website and used them to get her loan a few months ago. We both wanted to get the same cosmetic surgery done and neither of us had the money to do it without getting loan. My own bank were very unhelpful and wanted to know what the money was for but I didn't want them to know my personal business so I didn't take it any further with them.Yorkshire Bank were really great and as most of the application was done online I didn't have to explain myself to anyone and even when I did have to make a call to their offices the ask a few questions they were really helpful without being nosey about the purpose of my loan.The only people that know why I wanted this loan are my best friend who recommended Yorkshire Bank and my mum and I know I can trust both of them not to tell anyone else. Although my mum says people are bound to guess once I have had the surgery done but I'll just do what all the celebs do and deny it!

Review posted by Joanne Williams

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We don't have a proper summer holiday every year but every 3 years I take out a loan to pay for a really nice one , usually in Spain. We couldn't afford to do this without a loan and I have been using Yorkshire Bank in recent years because they have worked out to be a much better way of borrowing money than using the lenders I have used in the past.Now I would rather have one really great holiday using a reliable lender like Yorkshire Bank because it means I can spend a bit more on the holiday and go for quality rather than quantity. It is worth waiting a couple of years in between each holiday because we have been a bit spoilt now and we wouldn't dream of going back to the cheap package holidays we used to take when the kids were younger.We're more a cocktails by our own private pool sort of holidaymaker now rather than getting up early to grab a sun lounger before they are all taken! This way we can have a nice lie in every day and our spot by the pool is waiting for us after we've had our leisurely breakfast. Bliss!

Review posted by Kim Brownlow

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When we got the approval from Yorkshire Bank for the loan to buy a new kitchen we were delighted and it happened very quickly so we didn't have to wait too long before the money was transferred into our bank account. We were expecting it to take much longer and we weren't organised with regards to what kitchen we wanted. So we spent the last weekend searching for kitchens on the internet and we have just found the one we want and having the money already in our account we were able to purchase it online and take advantage of the massive discount that the manufacturer was offering.I will be fitting the new kitchen myself so it will be another huge saving on what we hope will turn out to be a very stylish, modern kitchen that should keep my wife happy for the next few years!

Review posted by Pete Duckworth

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My loan from Yorkshire Bank came about after a friend told me they had used them for their loan to pay for their wedding last year. He said that Yorkshire Bank were really competitive and that they were offering loans to people who weren't existing customers of theirs. So I went on to their website and gave them a look and liked what I saw. When I received the online quote I was more than happy with it and applied straight away for the loan.That was last week and I have just been informed that the funds are in my bank account which is brilliant news. I thought they might take longer doing the credit check but that wasn't the case and I think once they know you don't have any problems in that area they are happy to let you have the funds as quickly as they can.I can see why my friend was so pleased with Yorkshire Bank because he is a bit impatient like me and getting such a speedy response to our loan applications was a big plus for both of us.

Review posted by Tyrone Fletcher

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Can I just say how pleased I am with the loan Yorkshire Bank have given me and my husband. We will be able to buy our new car in time for when our babies are born in a few months time.Being told we were expecting twins was such a shock and once we had got used to the idea we realised that our current car wasn't going to be big enough. We also have a 3 year old daughter so the back seat of our little hatchback was going to be a bit of a squash for all 3 of them and the boot certainly wouldn't be able to take a double buggy.We had no option but to change our car and to upgrade to the one we thought would be most suitable for our needs meant having to get a small personal loan.We went to Yorkshire Bank because we have been satisfied customers of theirs since we got married six years ago and we hoped they would be able to offer us an affordable loan.They didn't let us down and we have got our loan within no time at all. So we'll be shopping for our new car this weekend and looking at double buggies also!

Review posted by Bryony Jones

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We're taking my parents to Spain for their 50th wedding anniversary and we could of done it without the loan from Yorkshire Bank.My sister suggested the holiday and said we should push the boat out by hiring a really nice villa and so all of us could be under one roof rather than booking into a hotel. The villa is a good idea because it would be easier for mum and dad and they would feel more relaxed sitting around the pool without strangers being there also.So I am not sure how my sister is affording her share of the cost of this special holiday but I certainly couldn't afford my half without this loan from Yorkshire Bank who have saved the day for me and not for the first time I might add!

Review posted by Tina Hancock

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My girlfriend bought a new car a couple of years ago and approached a bank for a car loan. She did not have the best experience as she was charged very high interest and other charges that she was not told about initially. Because of this warning I was very careful when choosing the bank to apply with, last month. Although the money I needed was for a car, I requested a personal loan rather, as it appears to me that the interest rate was lower and I noticed no hidden fees. As I do not like to apply on line I went to Yorkshire Bank branch and spoke face to face with the rep there. She was very friendly and helpful and helped me to apply, choosing the best amount of months for repayment of the £4000 needed, so that it would be affordable. I got the loan. Thank you to Yorkshire Bank and the lady rep who guided me. Yorkshire Bank has trained you well!

Review posted by Sheldon Green

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After my divorce I thought thats it, no more marriages for me but life is full of surprises and here I am at the age of 56 getting married again and I couldn't be happier.My personal loan from Yorkshire Bank is to pay for the wedding and honeymoon and I want everything to be perfect for my new wife. She is a wonderful lass and makes me very happy.As soon as we decided to tie the knot I got straight on to my local branch and enquired about taking out a loan and once we had discussed how much we could afford in monthly repayments they based the loan around that figure. We didn't want to be starting married life with a loan that was going to be a struggle for us financially so we said we would plan our wedding and honeymoon around that figure and not the other way around. I've seen quite a few of my friends get themselves into trouble that way and we didn't want to end up like them.So as it turns out, we have a loan which is going to let us have a very nice, small scale wedding and two weeks honeymoon in Tenerife and we are more than happy with that. Although when we get back I've got a feeling the new wife is going to want to do some re-designing of my very messy bachelor's flat.

Review posted by Freddie Bartlett

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I stopped looking at different loan companies on the internet and went to my local branch of Yorkshire Bank for my personal loan. I had seen quite enough to know that my own bank were going to be just as competitive as the other lenders. But it doesn't hurt to double check what you already know.Yorkshire Bank gave me my first loan when I got my first job after graduating from university and they have been a nice, friendly bank throughout my years of being a customer of theirs and I feel I can go to them whenever I have any problems with my finances.This loan is to pay for my flights to visit my sister in New Zealand. She moved there with her husband and I haven't seen her since their wedding 3 years ago. As I am about to become an uncle for the first time I thought it would be a good time to pay her a visit and provided the baby is not too late in arriving I should be there to welcome him or her. I do hope its a boy because I have bought him a Man Utd shirt, but Hey girls like football too don't they? Although with it being New Zealand it will probably all be rugby, rugby, rugby!

Review posted by Mr Houghton

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What do you do when your kids can't get a loan and they come to you to borrow money and you don't have it? Well if you're daft like me and the wife you get a loan yourself and then give the kids that money.Both our kids were desperate to leave home and rent a place of their own and to be honest the wife and I were keen to see them move out as well because they were both in their 20's now and getting under our feet a bit.They are both in full time employment but still weren't in a position to get loans for the money for deposits and so we agreed that we would borrow the money on their behalf and they could pay us back.The loan we got from Yorkshire Bank wasn't too much of a financial strain for us to take out and getting a good rate and an affordable monthly repayment means we aren't going to suffer any hardship paying it off.Having the place to ourselves again after all these years seems strange at times but we do enjoy having that extra bit of space. The kids have only moved down the road so we won't be free of them that much as I am sure there'll be bags of dirty laundry appearing on our doorstep regularly and they can smell their mum's roast dinner a mile away.

Review posted by Dale Blaketon

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My husband is recovering from a serious illness but is making good progress so we thought we would take out a small personal loan with Yorkshire Bank to pay for a nice Mediterranean cruise in the Spring. The doctors have said he should be well enough to travel abroad and that the cruise will probably do him the world of good.So I have taken it upon myself to apply for the loan so that my husband doesn't have to worry about things. He always used to do these sorts of things but I feel I should be doing as much as I can now and getting this loan is as good a place as any to start.Yorkshire Bank have been marvellous and helped me with the application for the loan explaining everything to me as I wasn't very sure about interest rates and such. They have called me on the phone to say that the loan has been approved and that I should go ahead and book our cruise because the money is available already in our bank account.I am delighted to say the least and now my next task is to book the cruise but I don't think I will have too many problems doing that because I intend going to our local travel agents first thing tomorrow.

Review posted by Mrs Kenton, Leeds

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What a great bank Yorkshire Bank are in my opinion. I have been with them for a very long time, too many years to count and in all that time I have had excellent service from them.Applying for a personal was something I hadn't done for many years so this was a good example of how helpful and useful they can be to their customers. I needed some help and advice with the loan before making a decision and they were only too happy to discuss the matter with me on the telephone before I sent them my application.Here we are just two weeks later and I have the money in my account and the terms and conditions of the loan agreement are ideal for me and my husband which means we won't be getting ourselves in to any difficulties paying the loan back.

Review posted by Mrs Anderson

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I am more than happy to write this review for Yorkshire Bank because I am more than happy with the personal loan they have given me. One good turn deserves another as my old mum used to say.I applied for the loan because my wife was recovering from a serious illness and I wanted to take her on a nice holiday to help her recovery. She longed to go somewhere warm and sunny and we sat down and searched on the internet to see where would be the best place to go for some guaranteed sunshine at this time of year.We decided on Lanzarote because it wouldn't be too far to travel and we had stayed there many years ago when we first got married so we thought it would be a nice trip down memory lane.I applied for our loan through our local branch of Yorkshire Bank because my wife and I know most of the staff there and they are always really cheerful and on hand for any advice you might need.With their help we ended up with a very competitive and affordable loan and they also included some very good advice about travel and health insurance which was most appreciated.

Review posted by Neil Brewster

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I can't say that I'd heard of the Yorkshire Bank before I applied for a personal loan with them. I found them on the loan comparison website and when I realised that you don't have to be an existing customer of theirs to get a loan I applied for an online quote because they were advertising a relatively low APR of 4.9% and my own bank were quoting a much higher rate.I got a very favourable response and without hanging about I got straight on to making an official application for the loan. Within about a week I have got my loan and Yorkshire Bank have informed me that the funds are being transferred to my bank account today which is really brilliant news.I thought it would be a nice idea to just say thank you to Yorkshire Bank on this review forum and maybe other people who hadn't hear of Yorkshire Bank before might consider giving them a try if they aren't happy with their own bank.

Review posted by Max Walton

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We've been approved for our personal loan from Yorkshire Bank and we are very happy because we thought we might not be eligible due to the fact that we are both retired now.Fortunately our pensions give us a good enough income and we were only borrowing a small amount to pay for a new car for my wife. A second hand one really but one that would be easier for her to drive now that she has a touch of arthritis.We have found a very nice little second hand car with automatic transmission that will be ideal for my wife and the money is in our bank account now so we can go and make an offer on the car and hope we get as good a deal as we have with this loan from Yorkshire Bank.

Review posted by Mr & Mrs E., Leeds

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For the last time, we hope, we have taken out a personal loan with Yorkshire Bank to pay for our youngest daughter's wedding. We have three daughters in total and the first two flew the nest several years ago with weddings that would rival a movie star's and we are only just recovering from the expense of them both!I jest, because our daughters were very good and stuck to the budget we gave them and the fact that they were able to plan such wonderful wedding days is purely down to their own skills at getting the best price for everything they wanted.We are hoping our youngest daughter will show similar budgeting skills although we aren't nearly as confident this time. She has her head stuck in far too many 'Celeb' magazines for my liking and I'm hoping the wife and her more sensible sisters will keep her spending in line because she is getting the same budget as her sisters with a little bit extra to cover inflation and she had better stick to it or find the rest herself!

Review posted by Graham Eggerton

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With our loan from Yorkshire Bank we plan to demolish the old outhouse at the bottom of our garden and build a lovely summerhouse. Well we won't be building the summer house ourselves, we have got the professionals in to do that but my son and I will tackle the demolition work on the outhouse and we'll probably quite enjoy wielding the sledge hammers doing it.The wife has wanted this particular style of summerhouse for some time after seeing a similar one on display at our local garden centre and I nearly had a heart attack when I saw how much they were charging for a glorified garden shed. But I gave in and said we'd get a loan to afford it provided I could have the flat screen TV I'd fancied for a while.All good marriages depend on the ability to compromise and the wife and I are very good at doing that so I get my flat screen TV and she gets her summerhouse and I've also promised not to keep referring to it as a glorified garden shed!

Review posted by Samuel Plowright

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Getting a loan to pay off a loan doesn't seem right but the loan I am borrowing from the Yorkshire bank is to pay off the loan my errant son has got himself in trouble with and I won't rest until I have cleared his debt and got him back on the straight and narrow.We've had to do this once before for him and we have told him this is the final straw and if he gets himself in trouble again he can't come to us for any more financial help. We will always be there to support him emotionally that goes without saying but there is only so much financial help we can give him without compromising our own financial stability.We have a good relationship with our bank but it was easier being able to apply for this loan with some discretion and that's why we went to Yorkshire Bank who have approved this loan without us having to explain our reasons for needing the loan.

Review posted by Ted P., Humberside

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My fiance and I wanted to make some deposits to a few of our wedding vendors and rather than touch our savings at this point, we decided to ask our local branch of the Yorkshire Bank for a personal loan. We figured it would only be for a short term and we could pay it off pretty quickly. We were not sure how our application would be viewed, but we thought we would give them a try.We went into the branch and met with a loan officer. She was a very nice lady and most helpful. She made some sensible suggestions that we had not considered and helped us complete an application. She made the process simple and we felt really good about taking this step.A few days after our visit we were informed that our application had been approved and the money was deposited into our account. This was a good experience, and we would not hesitate to go back to them should we need additional financing.

Review posted by Kevin Smith

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I had a really good experience with the Yorkshire Bank a few months back when I applied to them for a personal loan. I wanted to change my car for a utility vehicle as the family needed more room when travelling. I don't particularly like going to dealerships and having to haggle over prices and using their credit companies, so I pursued a loan with the bank.I had been looking on line as different financial institutions and came upon the Yorkshire Bank website and it made interesting reading, so much so that I decided to apply to them for my loan. I was fortunate to be approved and was granted very favourable terms. It was a good decision to apply to them for my loan.

Review posted by Tom Harris

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I am a customer of the Yorkshire Bank and when I decided to do some home improvements they were the obvious people to apply to for a personal loan. I am glad I did not go elsewhere as they were good to work with, and their loan process was quick and easy.I actually went into the branch rather than go on line which I knew was possible, but I like to deal with a real live person in such issues. The loan officer appeared very knowledgeable and together we filled out the application. He said I would hear back on a decision very shortly. He was not wrong, by the next day I had been approved for a personal loan and the terms were doable and within my budget. The money appeared in my account within a day or two. This was a really slick process.

Review posted by Ray Taylor

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The Yorkshire Bank came through for me and I just had to write about it. What a good experience it was dealing with them and I am not even one of their customers. I wanted to consolidate some debts and had a figure in mind to take care of these outstanding balances.I went on line and read up on the Yorkshire Bank to see what criteria I needed to achieve before being accepted for a loan. I did call their customer centre with a few questions and they were helpful and accommodating with their answers. Feeling pretty confident, I submitted an application form and hoped it would be a positive response. An instant decision was returned to me and I was approved for the loan amount I needed. It was so quick and easy I could not be more pleased.

Review posted by Brenda Jones

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I applied to the Yorkshire Bank for a personal loan a while back and was really pleased with the way they treated me. I needed some extra cash for an emergency trip I had to take and I was hopeful that a short term loan would be granted.I went on line and pulled up their website and before completing the application studied what their statements and comments said to make sure I was on the right track. I called their customer service department to inquire on a few pointers and was assured that I should feel pretty confident about applying. They were kind and helpful staff members.After completing the forms on line, an instant decision came back and I was approved for the money I needed. This was great and it was so easy. I think I might just go back to them another time should I need financial assistance.

Review posted by Patsy Sedgewick

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I got a very good loan from Yorkshire Bank and I am not even an account holder with them But they might as well have been my bank and a very good one at that because they have been extremely helpful and efficient from the moment I applied for the loan.I had a few problems with the online application and I rang their helpline which didn't leave me waiting ages with daft background music. I spoke to someone almost immediately and got the answers to my queries and then I continued with the application.Some of my friends were surprised to hear that I had gone with Yorkshire Bank when I live in London but with the internet these days nothing is that far away anymore, certainly not competitive loans. They're there for the taking if you go online and search for them.

Review posted by Mr Ashton, Nuneaton.

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How I ended up with a loan from Yorkshire Bank is all down to the loan comparison website. Without the benefit of that website I would have just gone to my bank or maybe of the other high street lenders. Its wonderful that there is a lot more lenders out there but you have to know they're out there, don't you.So if I ever need another loan I am not saying I'll go straight back to Yorkshire bank even though they have given me a great deal on my loan. But I will look on the comparison website before I make a choice and I might end up going to Yorkshire Bank again but they'll have to be just as competitive as they are now or maybe even better if the competition is stiffer.

Review posted by Ken Bostock

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We were thinking about re-mortgaging the house to get the money to pay for our daughter's wedding but we worked out that it would be cheaper and easier to just a personal loan provided we could get a good interest rate.My husband and I sat down at the computer one evening last week and we searched the loan comparison website and eventually picked Yorkshire Bank because they were offering a competitive APR and even though we don't bank with them we know the bank well because my parents were customers of theirs up until they passed away.When we applied we did the online loan application first but we then followed it up with a call to their customers services to get a few queries answered and before we knew it we had our loan verbally approved subject to the usual credit checks.We really couldn't have asked for a better experience. The staff at Yorkshire bank have been very friendly and helpful and we have just been informed that our credit checks have gone well and that we can expect the funds to be in our bank account within a day or two.

Review posted by Doreen Galsworthy

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Thanks to this very competitive loan from Yorkshire Bank I can buy my new car after deciding against taking out car finance with the car dealership. They were really pressurising me to opt for their finance deal, even reducing the price of the car by several hundred pounds, but when I took the time to sit down and work out the figures it just wasn't such a good deal as they were making out.I decided it was far better for me to pay the full price using a personal loan that would have a much more competitive APR than the dealers finance deal was offering. And, more importantly my new car would be mine straight off and not once the final payment was made. There really was no contest and the great loan Yorkshire Bank have just approved for me has come in streaks ahead of the dealers in more ways than one.

Review posted by Terry Datchwood

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I haven't written a review for something like this before but I presume they just want to hear about my personal experience of taking out a loan with Yorkshire Bank. So this is my experience.I have been a customer of Yorkshire Bank for nearly 20 years. This is the second loan I have taken out with them. the first loan was way back in about 1998 when I first opened my bank account with them. It involved a meeting with my bank manager, signing several documents and then a wait of about a week for the money to come through.Nothing too much has changed with this second loan except that I didn't have bother with a meeting with the bank manager. I don't know if I've ever actually met our local branch's one but the online way of applying for a loan is very handy. Once the paperwork was signed the money did come through much quicker, within a day or two but that's the other good thing about modern day banking. Everything can be done so much quicker. If I had to write this review and pop it in an envelope and post it, the chances are I wouldn't have bothered. Yet another example of time saving, where would we be without emails.To finish, I am very pleased with this second loan from Yorkshire Bank. I'm not sure if it is as competitive or not to the earlier one because it was too long ago to compare but I do feel as though on both these occasions I have been given a good deal.

Review posted by J D Burrows

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Thank you very much Yorkshire Bank for approving my loan so swiftly and for getting the money into my account within less than a week. It came just in time for me to bid at auction for a car for my daughter who has just recently passed her driving test.Because we had the money ready we were able to bid with confidence and get a lovely car for my daughter who is thrilled with it. She'll be paying me back a bit at a time but because the loan was competitive and the repayments aren't too much I'll not be chasing her for the money. If I can afford the monthly repayments myself then that is all that matters. This loan is more than affordable for me so thats that then. My daughter has her car and her dad is able to put his taxi driver's hat away for good!

Review posted by Kenneth C., Leeds

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I took the time to read a few of the other reviews and really I'm not sure what to write about my own experience, except to say that I just wanted a loan that I could afford the monthly repayments on and one that wasn't going to take me years to pay back.I didn't have any pre-conceived ideas of what the loan should be based on. It was really that simple but that's because I am a simple person at heart and I don't try complicating my life by having too many expectations that may or may not be met.Yorkshire Bank kept things simple for me and that's one of the reasons why I like being a customer of theirs. They don't make matters more complicated than they need to be. There's a few people I know that could take a leaf out of Yorkshire Bank's book.

Review posted by Alan P.

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With this loan from Yorkshire bank my husband and I will go back to Moldovia for two weeks and see my parents and family and maybe help them out a bit with some things because I have been away from Moldovia for so long that my family have not had me giving my wages to help with bills but they are happy that I am married and living here in Britain now for 10 years with so many good things in my life. We like having our money with Yorkshire bank because my husband is well known to our local bank because of his restaurant which he runs very well. They were happy to give us this loan because they know we are hard working and will pay it back.

Review posted by Galinha

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We were thinking about moving house and then we decided the only reason we wanted to move was because the wife was fed up with the kitchen and bathroom. they were in good working order but very dated and as far as my wife was concerned that wouldn't do. But nearly every house we looked at she said she wasn't too keen on the kitchen or the bathroom and in some cases both. so what was the point of moving. We decided to stay put and just get a loan to have a new kitchen and bathroom installed. Common sense prevailed. We have our loan now from Yorkshire bank and hopefully we will still be living in the same house by the time the loan is paid off. I don't think there's too much else that the wife doesn't like about our house so I might be in luck and get to see the Wisteria I planted a few years ago finally come into bloom.

Review posted by Jonathan Albright

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Yorkshire Bank have managed to give me another good deal with a loan. I have to say they are nothing if not consistent. The last loan I took out was about 4 years ago and they were charging a reasonably competitive rate. there were cheaper loans available but not ones that were allowing me to pay them back over a two year period instead of one.They've done the same with this new loan. If I'd borrowed the same amount from another lender I would have got a slightly lower APR but I'd be paying much bigger monthly amounts over a 1 year period. that was never going to work for me so I went back to Yorkshire Bank and got a loan to suit me and not just the bank.

Review posted by Ted Jessop

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I got approval for my loan with Yorkshire Bank almost immediately but then things slowed down a bit and I didn't hear anything from Yorkshire Bank for a few days. I work on a building site so I couldn't spend time chasing them up to see what was going on with the loan. My wife took over and made a few telephone calls on my behalf but they wouldn't deal with her. I finally got around to calling them myself and was about to let off a bit of steam when they told me the loan had been sorted and that I could expect the money in my account by the end of that day. So no real complaints, it was just a bit of a storm in a tea cup as my wife likes to say.

Review posted by Peter Callaghan

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Most of our family bank with Yorkshire Bank. When we were growing up my mum's sister even worked there. That's why I felt confident about taking out my first ever loan with them. Its for quite a large sum of money to pay for my wedding reception and my local branch has a loan adviser that my mum went to school with so she was really helpful and explained all about the terms and conditions of the loan before I signed the forms. I don't think I could have asked for a better experience with taking out this loan. I was really lucky to have had so much help and then to get a really good interest rate as well just makes it a bit more affordable which is what everyone wants when they take out a loan I think.

Review posted by Ms Chloe Barton

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I know we are are starting off 2016 with a huge loan but it means we can get our house renovated sooner rather than it dragging on for months maybe even years if we had tried to do the work ourselves while trying to do our own full time jobs. That would have involved an awful lot of working late into the night and weekends.We decided we would rather make the sacrifices now and take out a loan for the most we could afford and get the work done by proper tradesmen and in a fraction of the time it would have taken us.Yorkshire Bank have approved us a loan that we will be able to afford but it will mean sacrificing some of our weekend treats such as takeaways and dining out. We will probably be a lot healthier for it as well. We'd worked out what we have been spending on these things and we were quite shocked.This loan won't be half as bad as we thought to pay back because we have been wasting so much of our salaries all this time and didn't even realise it.By the end of 2016 we should have our fully renovated house and hopefully we'll both be a lot healthier in the process.

Review posted by Tom B.,

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Yorkshire bank have come into my life in the form of a really competitive loan that I couldn't get from my own bank. I found them on the loan comparison website and liked their profile especially the bit about not being picky lenders. That made my day when I read that.My own bank always give the impression they are doing you such a huge favour when in fact the whole business of borrowing and lending money should be mutually beneficial and not one sided.I am pleased to say that I think I have a loan that is mutually agreeable to both me and Yorkshire Bank and I wish my own bank would use that approach a bit more, then I wouldn't have to go elsewhere for my loans.

Review posted by Mr Vincent

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Well done Yorkshire Bank. You promised me and my wife that you would sort out an affordable loan for us so that we could go to our niece's wedding in Barbados. We are her godparent's and we would have been very upset if we couldn't be there for her special day.Nowadays the youngsters want to tie the knot in these far flung places and you either have to decline the invitation or bite the bullet and make sure you get the money from somewhere to pay for the cost of flights etc.We don't feel we are wasting our loan money because we have taken our niece's advice and we are staying on for a whole week along with them and other members of the family. So it's not just a wedding but a lovely early Summer holiday for us all and we couldn't be doing it without the great loan from Yorkshire Bank.

Review posted by Maurice Hebditch

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Yorkshire Bank gave us the loan we needed to sort out our dingy basement flat. We got planning to install bi- fold floor to ceiling doors on the back of our flat which leads out on to the private little section of back garden we have. It is going to make such a difference to the light in the flat and we know that as soon as our other basement flat neighbours see what we are doing they will want to copy us.We really wanted to get the work done before the Spring so that we can take advantage of the little bit of garden we have and we couldn't have saved up the money we needed in time. Yorkshire Bank got straight on to the loan processing and we got our money in a week.We will be more than ready for when those first Spring bulbs start to bloom and we'll be able to watch them from the comfort of our light and airy living room thanks to Yorkshire Bank.

Review posted by Pete Moriarty

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I'm really pleased about the personal loan we took out with Yorkshire Bank. At the time we weren't even clients of theirs. We are now and they were so helpful. We wanted to do some renovations at home and needed £8000 and a visit to the bank made eveything possible. It took a while with the usual burocracy but as soon as I was deemed creditworthy the loan was approved with a very good APR and a fixed rate for the duration of the payback period which was to be 3 years via monthly instalments which were debit ordered. Within a matter of days we had access to the funds we required.Yorkshire Bank can hold their heads high and be reckoned with!

Review posted by Anthony Wasserman

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Thanks to our personal loan from Yorkshire Bank the daughter's wedding is sorted and the wife and I can relax a bit. We always intended getting a loan and hoped it would be with Yorkshire Bank because we have been customers of theirs for many years. But it was a large amount of money we wanted to borrow so it had to be a case of getting the most competitive rate we could rather than loyalty to the bank.So when we got the quote back from Yorkshire bank and we were being offered the 4.9% that we'd hoped for we were absolutely delighted. We have had everything finalised now and the money is due to be deposited to our account within the next 24 hours. If only everything in life was as easy and as straight forward as getting this loan was!

Review posted by Mr Kenwright, Stoke-on-Trent

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Our loan from Yorkshire Bank has come through and we are over the moon. It means we can book our place on the guided tour of South African wine regions which we had seen on a holiday program a while ago and thought we would like to do.Of course we had to get a loan because its quite an expensive trip because its all inclusive but as it will be a once in a lifetime experience for us we thought we would do it before we get much older.Thank you so much Yorkshire Bank for making this marvellous trip possible for us.

Review posted by Molly & Stan Hardwick

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I first got myself into financial trouble when I took out a credit card when I was quite young. I think I still didn't appreciate the value of money, and having a plastic card rather than pyshically needing to hand over the cash, made it way too easy to spend more than I should have. From then on, I was stuck in a downward spiral, and finally decided last month that the best solution would be one loan that I use to pay off all my debts, and then I can get back on track. I wasn't sure if Yorkshire Bank would approve me, because of my other debts, but the adviser I spoke to was very helpful, and helped me find the best arrangement for my situation.

Review posted by Brianna Gert

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I always thought Yorkshire Bank was a small bank in just a specific part of the country, I didn't realise they covered the whole of the UK and also offered online loan facilities too, so when they came up as an option on the money comparison site I was using, I decided to check out their website. They offer a whole range of services, and their website is set out in such a way that it's really easy to find what you're looking for. They've helped me to make my plans a reality, and even at a smaller cost than I was expecting.

Review posted by Diana Gross

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I'm 18 years old, and have just passed my driving test. I really want to get mobile as soon as possible, but affording a car just isn't within my reach at the moment. I didn't think I would be able to get a loan because of my age, but then my bank manager informed me that because I'm already a customer of Yorkshire Bank, that they may be able to help me. I went in to my local branch and had a chat to one of their advisers, and they helped me sort out everything. It was great to have someone to go through the application with me, and ensure I was doing everything correctly.

Review posted by Alex Hinks

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The drains in my house have been giving off a terrible smell for weeks now, and it's been gradually getting worse. I finally got round to calling out a plumber last week, and received the bad news that at least half of the system needs replacing. This is an added cost I simply hadn't budgeted for, but was one of those things that I couldn't exactly put off until I had the money - I think by that point my house would be totally uninhabitable! I went into my local Yorkshire Bank branch, and an adviser kindly presented all the options available to me. I was never at any point made to feel bad about my financial situation, and all the staff I dealt with were extremely helpful.

Review posted by Hala Evans

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I was looking for a loan with a lot of flexibility, as I wanted a payment plan that would fit in with my monthly incomings and outgoings and not disrupt other regular payments I need to make. Yorkshire Bank seemed to pride themselves on the flexibility of their loans so I decided to give them a ring and see if they could offer me something to suit my financial needs. I spoke to a lady called Sarah who was ever so helpful, and really knew what she was talking about – no being passed from pillar to post. Actually the service I received throughout the loan process was so good, I'm now considering letting Yorkshire Bank handle all my financial needs in the future.

Review posted by Eva Wolfe

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The last time I took out a loan, I wasn't really aware of things that I should look out for, so I got a few nasty surprises along the way. One of these was that I hadn't taken out a loan with a fixed rate, which meant that I actually ended up paying out more than I had initially budgeted for. Also, I wanted to pay off the loan early because my financial situation had improved, but was informed that I wasn't allowed and that I was tied into a contract stating this. So this time I knew what to look out for, and read all the small print before going ahead with the loan. Thankfully Yorkshire Bank offered me a much more transparent service than the one that I had previously received, and everything ran smoothly.

Review posted by Alexandra Disney

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When one of the local stores in town was doing a special promotional weekend on everything Apple, I was really gutted that I hadn't yet saved up enough for the new Mac that I desperately wanted. With such a great saving on offer, I decided to take out a loan with Yorkshire Bank in order to be able to purchase the new computer. Applying was really simple, and it took me no time at all to fill out the forms. All the questions were easy to understand, and there was no complicated financial jargon like with some other forms I have tried to fill out in the past. I got the money really quickly, and am writing this review from my amazing new Mac. Thanks Yorkshire Bank!

Review posted by Oprah Davis

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When my son told me he wanted to go on the annual school trip this year, I agreed without even asking what it was – it's normally a day out to a local museum or something like that. Only nearer to the time did he inform me that it was actually for five days of skiing and the cost would be about 800 pounds! I was furious that he hadn't told me the details earlier, but also didn't have the heart to tell him he couldn't go. I didn't have that amount of money at such short notice, so I applied for a loan with my bank. Yorkshire Bank have always been great, and they approved my application without any problems. It's nice to know I'm with a bank that I can rely on, no matter what last minute surprises my son decides to spring on me.

Review posted by Ariana Gredley

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I have always let the Yorkshire Bank handle my finances, mainly because it's who my family have always used too, so it just seemed sensible for me to follow suit. I have never had any problems with any of their services, and taking out a personal loan with them was no different. I went in to my local branch where the staff are always friendly and happy to help with whatever you need. They explained which option was best for my particular scenario, and then they did most of the work for me. Personally this suited me much better than having to spend hours finding a good deal on the internet, but everybody is different I suppose.

Review posted by Annie Underson

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Thank You Yorkshire Bank for the personal loan that my own bank thought I would not be eligible for. I don't think I want to be a customer of theirs any more and shall be making efforts to rectify that in the near future. But in the meantime I have been given this loan which is to pay for some much needed repairs to my house and thanks to the very favourable rate you are charging me for this loan I will be managing the repayments easily and it also means I have been able to borrow a bit more than I intended which is going to allow me to treat my wife to a much needed holiday this Summer which we thought would not be possible.

Review posted by E Sculley, York City

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Our car finance loan came courtesy of Yorkshire Bank 3 years ago and when the final repayment was paid last month we decided to take out another loan so that we could help towards the cost of our daughters wedding this coming June.Once again we have been able to get a very favourable rate on the amount we are borrowing and we are so pleased that Yorkshire Bank continue to remain one of the most competitive lenders. It certainly makes things a lot easier for us and whilst we like to know what the other main banks are offering by way of a comparison we haven't been let down yet by Yorkshire Bank.We're glad we have been banking with Yorkshire Bank all this time and hope to continue to do so.

Review posted by John Middleditch

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We're longstanding customers of Yorkshire Bank so we rather took it for granted that we would get this loan and get it at a very competitive rate. So thank you Yorkshire Bank for not letting us down and in particular making me eat my hat. I'd already made it know that I would if I'd been proved wrong and I am fairly certain my wife would have been delighted to see that happen as I am guilty of making that statement rather a lot. But the fact remains, we did get a very competitive loan from Yorkshire Bank so my hat shall not eaten this time!

Review posted by Mr Cowdray, Congleton

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Never normally bother with these reviews, reading them or writing them but I was so pleased with the personal loan that Yorkshire Bank approved for me that I thought I would break a habit of a lifetime and a) post this review and b) enter a competition to win a car. I'm not even sure what a Lamborghini looks like but I figure it's got to be better than the old Volvo I am currently driving. If I don't win the car I may consider getting another loan from Yorkshire Bank to buy a nice new shiny car of my own choice. No one round here drives a Lamborghini and I'd just stick out like a sore thumb!

Review posted by John Staples, Leeds

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It made my wife's day when Yorkshire Bank approved our personal loan. She'd been fretting that we wouldn't get it and that we wouldn't be able to help out with the cost of our daughter's wedding. Our daughter and her fiance are paying for most of it but we wanted to do our bit and pay for the reception or at least give them a good bit towards it.We have been customers of Yorkshire Bank all our married life so we didn't even think about going to another lender but obviously if this loan hadn't been approved we would have had to start looking elsewhere for the loan., which was a task I didn't relish having to take on.So thank you Yorkshire Bank for saving me from that task and for making the wife's day. She's going to be much easier to live with now!

Review posted by Mike Rutherford, Leeds

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Thank you Yorkshire Bank for this great personal loan. It's going to make such a difference to my life because it means moving in with my boyfriend and starting to live without the constant scrutiny of my loving but extremely annoying parents. Oh the bliss of being able to stroll around the place in my undies with the music blaring in the background.They think I am far too young to be moving out of the family home but to be honest they would still be saying that when I am in my 40's if they had their way. The fact is I am 22 and if Yorkshire Bank think I am old enough for one of their personal loans then that means I am big and ugly enough to fly the nest and set up home away from the very well intentioned spotlight attention of my parents.

Review posted by Stella Wainright, Ripon

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Our wedding is all down to this brilliant loan from Yorkshire Bank. Without it we wouldn't be getting married until next year which was the original plan but that was before a supposed upset tummy turned out to be 3 months pregnancy symptoms!We haven't really got the time to do the big wedding we had planned but this loan is going to allows us to have small but tasteful wedding and a nice honeymoon before I turn into Mr Blobby and we just want to thank Yorkshire Bank for approving this loan for us so quickly and getting the money to us within days of applying.They appreciated the time scale we were working with and pulled out all the stops for us. Thats why we are so glad we bank with them as we don't think we would have got such a great response from another lender.

Review posted by Sally Vickers, Whitby

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I think it is marvellous that these days it is so much easier to obtain a bank loan. You can even get loans from lenders that aren't even banks but supermarkets instead, which I always find strange. Still so long as you are getting a good rate and can afford the repayments I don't think it should matter where you acquire your loan.It just so happens that I went down the traditional route and got my personal loan from Yorkshire bank who I am pleased to say were offering just as good a deal with their rates as the rest of the lenders I looked at. In my opinion if you can get a better deal elsewhere then do so but if your bank can oblige then that would always be my choice.

Review posted by William Cruickshank, Cheadle

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My partner and I wanted a low key wedding and preferred to spend our money on a decent honeymoon as we hadn't had a proper holiday since our daughter was born 3 years ago.We don't bank with Yorkshire Bank but we know them well and they have a very good reputation so their personal loans with a 4.9% APR was very appealing to us. It was lower than our own banks so it wasn't a difficult choice to make between the two of them.We understand that representative APR doesn't necessarily mean that's the APR you will end up with so when we did get that 4.9% we were delighted.This loan has fulfilled all the requirements we needed with a personal loan and we really can't thank Yorkshire Bank enough for the excellent service they have given us and this very affordable loan which is going to help start our married life off with a much needed holiday, although our 3 year old will be joining us so I'm not sure how relaxing it will be!

Review posted by Andy Keegan, Hull

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I didn't know that Yorkshire Bank were so competitive that they would be in the top 10 lenders for personal loans. Without the benefit of being able to use the loan comparison websites I probably wouldn't have even considered them when I was looking for this personal loan.I have to say thank you first to the excellent Readies loan comparison website which did most of the work for me. I'll definitely be recommending their website to friends and family.My biggest thank you has to go to Yorkshire Bank who have surprised me with this excellent loan. They really couldn't have made it any easier to apply for this loan and getting an APR that beat the one my own bank quoted me was very satisfying.

Review posted by S. Whytely, Crewe

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  • Ease Of Use
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Yorkshire Bank of all the lenders I looked at end up giving me the best deal on a personal loan. If you had asked me beforehand who I would be likely to get a good loan from I would never have even considered Yorkshire Bank. Coming from Southampton and never having ventured further north than Watford I really didn't know much about Yorkshire let alone Yorkshire Bank but I have been very impressed with this bank from the minute I applied for the loan. Getting such a great deal on this loan has been a real eye opener for me and now that I have been introduced to Yorkshire Bank I will definitely think about taking a trip up north, well certainly further north than Watford.

Review posted by James Penfold, Southampton

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I was really impressed with the service I received at readies for such an easy site to figure out, with lots of choice. Thanks to them for the great experience I've had with the company I chose to go with for a personal loan; Yorkshire Bank. Yorkshire bank loan dept. have a lovely group of staff, I must personally thank Susan Moss for her excellent customer service and fast response to my loan application. I had been accepted and received the amount I applied for with in a week. I'm happy enough with my repayments, and the APR was less than some companies I looked into. Many thanks Julian.S

Review posted by Julian S

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Don't teach your child to drive! I'm a pretty good and sensible driver and stupidly thought id save money by teaching my daughter Abby to drive, I mean it can cost up to grand now a days through driving schools with out tests and what not. So long story short she managed to drive the car right up a small ankle height wall by pressing the accelerator instead of the brake. I didn't want to put a claim into my car insurance in case they decided to higher my policy costs. I looked into getting a personal loan instead, we used Yorkshire Bank and I've been pretty happy with the services for my loan thus far. I'd use them again, I've learnt my lesson though! Would have been cheaper to pay for lessons

Review posted by Tom West

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I've been wanting to get a loan for a little while now to do something to remember my mothers passing. After lots of research and writing pros and cons of different companies I made the choice to go with Yorkshire bank. Yorkshire were able to offer me the exact amount I needed to get myself, sister and brother a beautiful pendant with a glass Crystal containing our mothers ashes. The payments were around 100 per month over 12 months and I only ended up paying a small amount in interest. It was totally worth it to give my siblings and I something so special that will last forever. Thank you all, Megan Hope.

Review posted by Megan hope

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I used yorkshire bank to take out a personel loan for the Mrs to buy stuff for our new baby on the way. They are expensive when you need to buy all the cot and clothes and car seats etc. Yorkshire bank was great they give you an answer straight away online. I was able to borrow 2,000 straight away. I also liked them because I could pay the loan back earlier if I wanted to. The staff were so helpful and told me all the stuff I needed to know and I just set up a Direct debit from my wages every week. Great

Review posted by Jason.

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Yorkshire Bank have given me yet another very good loan and it makes me glad that I have been with such a great bank for all these years. My daughter is getting married and this loan is what most dads have to start thinking about when they see their daughters getting 'serious' about their latest boyfriend and before you know it they are engaged. As soon as the engagement was official the wife and I started thinking ahead and decided on how much we could afford to contribute to the wedding budget. Fortunately it was quite a bit and we have no qualms about taking out this loan to be able to give our daughter the money to pay for it. Yorkshire bank have sorted out a convenient and affordable repayment plan for us and we are going to be fully involved with the wedding plans which our daughter is insisting on. The wife is pleased as punch but I'm happy to just sit back and let them get on with it. After all, I'm doing the most important bit which is paying for it!

Review posted by Malcolm J. Howarth, Dewsbury

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I haven't had a personal loan from Yorkshire Bank before but I have been a customer of theirs for about 12 years and I have always found them to be a reliable and responsible bank. So even though I did do some research online before applying for this loan I was hoping that Yorkshire Bank were going to be competitive enough for me to go with them for this loan. My comparisons with other lenders was worth the effort because it showed that Yorkshire Bank are one of the top banks for low APRs and the 4.9% they were advertising was good enough for me.Sticking with your own bank when you are borrowing money doesn't always make sense but if you can get a good rate like I am with Yorkshire Bank then it just makes sense to use them and make your life a bit easier I think. That's certainly going to be the case for me.

Review posted by Alan Thom, Leeds

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I've got yet another good loan from a good bank and the fact that Yorkshire Bank have been consistently good throughout the years is one of the main reasons I bank with them and will continue to do so. I like that consistency, I don't like to be on a rollercoaster ride when it comes to my bank and how they perform. Give me good old consistent reliability every time and I'll be happy. My first ever loan with Yorkshire Bank was to help me buy my first car and I haven't been disappointed with them and don't suppose I will be if they can just keep doing what they do and that is giving a good service to their customers.

Review posted by Bernard Arkwright, Hull

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I'm really pleased with the personal loan that Yorkshire Bank have set up for me and it is going to be a great assistance to my plans for renovating the house I've just purchased. My friends thought I was mad when I sold my flat, moved back in with my parents and bought the ruins that are going to be my new home in the not too distant future. I love a challenge and I am going to enjoy every minute of this renovation work but I couldn't have contemplated it without first being sure of getting the funding from Yorkshire Bank. I told them of my plans to buy a property that needed renovating and they gave me a good idea of the sort of loan I could expect to get from them as a long standing customer and that was all I needed to know. My flat sold in less than a month of being on the market and I had already looked at buying my renovation project at auction so all I needed to complete the plan was getting this loan and thanks to Yorkshire Bank it's going to be full steam ahead with the renovation. By this time next year I hope to be living in my new home and to have made a nice profit on the value of it which should cancel out the cost of the loan if my calculations are correct.

Review posted by Adam Critchlow, Leeds

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  • Ease Of Use
  • Value For Money

Yorkshire Bank were offering such a good rate for this personal loan that I didn't have to look to another lender although I did do some research to make sure there weren't better deals available. There were lenders advertising better rates but they were not followed through with actual quotes which I thought might be the case. With Yorkshire Bank I knew there was a good chance of getting the 4.9% they were advertising and when it was confirmed I just got straight onto making a formal application. I had a timescale and wanted to speed things up so it was worth having a chat with a Yorkshire Bank loan adviser when I first decided to get a loan. His reassurance that I would be eligible for the 4.9% was all I needed and here I am a week later with a great loan so I just wanted to say thanks to Yorkshire Bank for their great customer service and fast loan processing and of course that great 4.9% APR.

Review posted by David Meadows, Congleton

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My wedding plans are in full swing now thanks to this great personal loan from Yorkshire Bank. I have always been happy with the service Yorkshire Bank have given and that's why I've been a customer of theirs since leaving school and getting my first job. It doesn't matter where I live now I will always stay with Yorkshire Bank because they have never let me down with the loans I have needed be it for my first ever car purchase or this one to help with my wedding that will be in June of next year. I just wanted to show my appreciation by posting this review and I hope other people use Yorkshire Bank for a personal loan and get to find out for themselves just how great a bank they really are.

Review posted by Louise Addington, Derby

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It's fantastic that Yorkshire Bank give personal loans to their existing customers from the age of 18. I'm nearly 20 but most of the loan companies I looked at had a minimum age of 21 or even 23 in some cases. I managed to get my loan from Yorkshire Bank without any trouble at all and even though I saw loans with lower interest rates I didn't feel I was getting a raw deal from Yorkshire Bank because for the slightly higher rate I am being charged for this loan at least Yorkshire Bank had enough faith in me to give me the loan in the first place and for that reason I am really pleased with my loan and I'll probably go back to Yorkshire Bank if I need another loan even if I am over 23!

Review posted by Jamie Crowley, Sheffield

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My dad used to work for Yorkshire Bank years ago and so that's how most of our family ended up banking with them. My brothers have changed banks since then but I've stayed with them because I have never had a single issue with them that they haven't been able to resolve for me and leaving me feeling satisfied with the way they have handled the matter. That sort of customer service is very important to me and that is why I didn't bother to get my personal loan from anywhere else. I know roughly what the going rate is for a loan like mine and Yorkshire Bank have given me a rate that I am more than happy with and I know if I have any problems I can always rely on Yorkshire Bank to help me resolve them.

Review posted by Sandra Biggins, Huddersfield

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  • Value For Money

My wife and I are delighted with the personal loan Yorkshire Bank have arranged for us and we would like to say how excellent the customer service was with this loan. We applied via the online form but had a bit of trouble with it and ended up enlisting the help of their customer service department where a charming young man took over for us and completed the process over the phone. We know how it should be done now and if we need another loan we just might be able to do the whole thing ourselves but it was very nice having that personal touch and it made it so much nicer being able to talk through all the terms and conditions of the loan before we agreed to them. It's nice to know that Yorkshire Bank have kept some of the traditional values as well as offering the modern technology that the younger folk seem to demand from their banks.

Review posted by Malcom Thoms, Dewsbury

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My parents were giving me 10K which they thought would be plenty of money for me to have my dream wedding but I couldn't bear to tell them it wouldn't be anywhere near enough for the sort of wedding I had planned in my head for the past 2 years since getting engaged. My fiance suggested we say nothing except a huge thank you to them and then set about making up the shortfall ourselves. We decided to take out a personal loan in my name and because I bank with Yorkshire bank I thought it best to keep with them for the loan. It would just make things easier all round and as Yorkshire bank were offering a really good rate at the moment we were going to get a decent loan and not be paying over the odds for it. I've always had a good credit rating so I knew I would be in line for a good offer and thankfully Yorkshire bank didn't let me down. I've just had the loan approved and I am delighted because I can start using it for all the hidden expenses that my parents won't even have been aware of bless them, and when it comes to the dress, the cake and the all important wedding reception I can proudly say that my parents paid for it. Thank you Yorkshire Bank!

Review posted by Tracey Freeman, Cheshire

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Even if you are quite happy with your own bank it is worth shopping around when you are looking for a competitive loan. Not all banks require you to be current customers of theirs to give you a great loan offer. I found that out when I went onto the Yorkshire bank website and saw for myself what they are offering anyone in the UK who is credit worthy and looking for an affordable loan. I did a bit more research before going back to the Yorkshire bank website and was happy that I had made the right choice to go with them for this loan. It strange to think I have got such a great deal on a loan from a bank that I have never even stepped foot in but that's the beauty of the internet and the online loan facilities that banks offer these days.

Review posted by Lance Entwistle, Basingstoke

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I was delighted when I got this loan approved by Yorkshire Bank mainly because I thought not being a current customer of theirs they would be far more particular about what they require from potential borrowers who don't already have a current account with them. I know they stated that you didn't have to be a current account holder but because my own bank weren't very forthcoming with a loan offer I assumed other banks would maybe be the same towards me. I really needn't have worried because I have ended up with a really great loan at a fixed rate of 5.4% which is actually the lowest APR I had been quoted and that was good enough for me. I accepted the terms of the Yorkshire Bank loan without hesitation and I am currently waiting for the transfer to be completed and I finally have the money in my account.

Review posted by Barbara Riley, Birkenhead

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