Consolidate your debts with a Nationwide Personal Loan

Debt consolidation could mean taking out a new personal loan to repay all, or some, outstanding debts such as:

  • Credit cards
  • Store cards
  • Personal loans

Although your debts won't disappear, merging them into one personal loan could reduce your monthly outgoings.

  • Get an instant online decision
  • No hidden fees for setting up your loan or settling early
  • Get a no-obligation quote that won't leave a record on your credit file**
  • Approved loan funds normally issued in 2 hours when paid into a Nationwide Current Account

The rate you get depends on the amount you wish to borrow and your individual circumstances. Take a look at our rates for loans between £1,000 and £25,000.

Keep in mind

  • A personal loan may be offered over a longer period than your original credit, meaning you end up paying more.

  • 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 increase your debts.

Managing your Debts

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.

Get your personalised no-obligation loan quote today

**If you're happy with your quote and want to continue your application, a record will be left on your credit file that other lenders can see.

If you're a Nationwide main current account customer we'll offer you our best loan rates, at least 1% APR lower than our other customers.

Are you a main current account customer?  

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.

With a Nationwide Personal Loan you could benefit from:

A low loan rate

Just 3.4% APR representative (fixed) on unsecured loans from £7,500 to £14,999 from 1 to 5 years for our main current account customers.

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.

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.

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About debt consolidation

Find out about debt consolidation loans, 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 30 20 10 and select option 5.