Borrowing more

Borrowing more with a Nationwide Personal Loan

Already have a Nationwide Personal Loan and need to borrow more? It's quick and easy to apply online for additional borrowing. What's more, our main current account customers can take advantage of our exclusive features just for them. From rates that are at least 1% lower than equivalent rates for other customers, to our Loyalty Price Promise. 

With a Nationwide Personal Loan you could benefit from:

A low loan rate

Just 3.6% APR representative (fixed) on loans from £7,500 to £14,999 from 1 to 5 years for our main current account customers.

An instant online decision

The application process takes just minutes to complete and in most cases you will receive an instant online decision.

At least 1% lower loan rates

Our best rates reserved exclusively for our main current account customers. You'll pay at least 1% APR less on the same loan than any of our other customers.

A no obligation quote

Get a no obligation quote that won't affect your credit rating. No obligation quote

No obligation quote

If you accept your quote, we will leave a record of our check on your credit file that other lenders can see. This is a normal part of many credit application processes but it might affect your ability to obtain credit elsewhere for a short period of time. You should consider all borrowing options carefully and seek independent advice.

Loans made simple 

Borrow between £1,000 to £25,000 over 1-7 years with fixed monthly payments. We won't charge you any fees for setting up your Personal Loan.

Loans Price Promise

We'll beat any like-for-like UK loan provider offer by 0.5% APR, on loans from £1,000 to £25,000 for between 1 to 7 years for our main current account customers.

All loans are subject to status and are available to UK residents aged 18 to 79 only. The interest rate offered will depend on the amount you wish to borrow and your individual circumstances. Nationwide Personal Loans cannot be used for business or investment purposes, bridging loans, mortgage deposits or speculative reasons.

Additional borrowing options

During the application process you'll have the option to either:

    • Top up your existing loan
      This will mean consolidating your existing Nationwide Personal Loan with the new money you want to borrow. Your new loan will replace the old, which will be closed. You may need to pay up to 58 days interest to settle your loan early, you'll then have one monthly repayment.
    • Take out a second Personal Loan
      This will mean you have a separate loan that sits alongside your existing one that you'll repay separately, you’ll then have two monthly repayments. Your existing loan will remain under its original terms and rate. Price Promise can only be claimed against the new loan on a like-for-like basis.

Loan calculator

The total amount payable is £10,926.60. The illustrative cost of borrowing £10,000 over 60 months at our competitive rate of 3.6% APR representative (fixed) for our main current account customers. Calculation for illustrative purposes only. This quote was produced on 06/07/2015 and is valid for today only.


  • Representative APR:%
  • Monthly repayment:
Total repayment:

Representative example:

3.6% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.6% p.a. (fixed). Monthly repayment £182.11. Total amount payable £10,926.60.

Ready to apply for additional borrowing?

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Responsible lending

We have a responsibility to you, our customers, to be open and honest, to treat you fairly, and to be safe and secure.

Personal Loan application FAQs

Browse commonly asked questions about applying for a Nationwide Personal Loan.

If you have any questions about an application you have already made online, please call 0800 545 3000 and select option 5.

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit

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