Credit rating and getting a loan

Tixy

Whilst tesco's advertised rate is low this isn't the rate you would necessarily get even if you were accepted (in fact you probably wouldn't).

Might be worth waiting until your credit file is updated and then asking your own bank for a loan (maybe a smaller one - you could get reasonable car for a couple of grand or so).
As your credit card and your current account are both with natwest and if you have run both well that should increase the chance they would accept you.

bobbingalong123

I got turned down for a Tesco loan.

Score of 986, earn £55k pa, long excellent history.

Got a santander loan no probs immediately after.

Hazzinho

Are you on the electoral roll? People don't realise how important it is when applying for credit.