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. 

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 3.6% APR representative (fixed) on loans from £7,500 to £14,999 for up 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.

Loans big or small

At Nationwide, we offer loans between £1,000 to £25,000 over 1-7 years.

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.

No hidden fees

We won't charge you any fees for setting up your personal loan.

Fixed monthly payments

Your rate is fixed for the term of your loan.

All loans are subject to status and are available to those 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.

Loan calculator

The total amount payable is £8,066.88. The illustrative cost of borrowing £7,500 over 36 months at our competitive rate of 4.9% APR representative for main current account customers. Calculation for illustrative purposes only. This quote was produced on 13/03/2014 and is valid for today only.


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

Representative example:

4.9% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 49 months at an interest rate of 4.9% p.a. (fixed). Monthly repayment £225.11. Total amount payable £11,030.39.

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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.

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