Consolidate your debts with a Nationwide Personal Loan

A Personal Loan can be taken out to pay off debts such as credit cards, store cards and other personal loans. Although your debt doesn't disappear, (and the total amount owed may be higher or take longer to repay) consolidating your payments could help reduce your monthly outgoings.

Our low rate Personal Loan has no hidden fees, a no obligation quote and in most cases you'll get an instant online decision. What's more our main current account customers can also take advantage of our exclusive features just for them. From rates that are at least 1% lower than rates for other customers, to our Loyalty Price Promise.

Remember, it’s important to consider all of your borrowing options carefully, and to seek independent advice if you’re unsure what to do. If you're in financial difficulties we do not recommend that you borrow or increase your debts.

With a Nationwide Personal Loan you could benefit from:

A low loan rate

Just 3.4% 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.

Loyalty 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 unsecured loans are subject to status and are available to UK residents aged 18 to 79 only. In order to be eligible to apply for a Nationwide Personal Loan, you will need to have a net monthly income of £700+. Nationwide Personal Loans cannot be used for business, investment or speculative purposes, as a bridging loan or a mortgage deposit or to purchase or retain an interest in land.

Are you a main current account customer?Fallback Text

Main current account customer

To qualify as a main current account customer with us you must either:

  1. Hold a FlexOne account and be aged 18 or over, or hold a FlexAccount and:
    • have been paying in £750+ a month for the last 3 months (excluding transfers from any Nationwide account held by you or anyone else); or
    • completed an account switch to us (from a non-Nationwide account) using our Current Account Switch Team in the last 4 months.
      For this offer the account transfer must be requested via branch or telephone and the account must be eligible for an overdraft;


      1. Hold a FlexStudent account and have paid in £1,500 in at least 2 transactions in the last 12 months; or
      2. Hold a FlexDirect or FlexPlus account

      Loan calculator

      The total amount payable is £10,874.40. The illustrative cost of borrowing £10,000 over 60 months at our competitive rate of 3.4% APR representative (fixed). Calculation for illustrative purposes only. This calculation was produced on 25/02/2016 and is valid for today only.


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

      Typical savings for being a main current account customer with us*

      If you become a main current account customer with us, you could potentially save*

      Representative example:

      3.4% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.4% p.a. (fixed). Monthly repayment £181.24. Total amount payable £10,874.40.

      *If you are or become a main current account customer with us before you apply, this figure shows the saving you potentially make over the full term of the loan, against the amount any other customers would pay for the same loan. We've calculated this using the loan amount and term you have selected, at the representative APR for that loan. Please note that all loans are subject to status so the actual rate and saving you get may vary.

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      About debt consolidation

      Find out about debt consolidation, and how to sensibly manage your monthly payments.

      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.

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