Home improvement loans from Nationwide

When you need more space, improving your home could be cheaper than moving. Adding an en-suite, or conservatory could turn a house into your forever home. If you don’t already have savings to start your project, a low-cost Nationwide Personal Loan could give you the money you need to begin improving your home.

With loans from £1,000 - £25,000 a Nationwide Personal Loan could be suitable for more than just larger home improvement projects. If you need to replace your kitchen or upgrade your bathroom a home improvement loan could help you get your project moving. And with an instant decision online, you could be starting sooner than you think.

If your loan application is approved, and you choose to pay your loan into a Nationwide current account, the funds will normally be available within 2 hours. For other Nationwide accounts the funds will be available within 1 working day, and for all other accounts, within 3 to 5 working days.

Rates will vary depending on the amount you wish to borrow and your individual circumstances. Take a look at our rates for loans over 1 - 5 years.

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 a no-obligation home improvement loan quote today

Your quote will reflect the actual rate you would pay if you take out a loan with us. Get as many quotes as you like without affecting your credit rating.**

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.

Summary

  • 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.

A better deal for main current account customers...

A low loan rate

From 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.

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.

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.

  • Borrow from £1k – £25k over 1 – 7 years. 
  • Get an instant online decision
  • No hidden fees for setting up your home improvement loan or settling early
  • Get a no-obligation quote that won't leave a record on your credit file**

Looking for a loan for more than 5 years?

If you need a Personal Loan for longer than 5 years, you'll need to provide us with a few details so that we can give you a personalised loan quote. Use the 'Get a quote & apply' button (or retrieve a quote you've started) to begin the online application. You'll be offered a no-obligation personal loan quote that won't affect your credit rating**.

**A record will be left on your credit file that other lenders can see if you're happy with your quote and continue with the loan application.

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A helpful guide to home improvements

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Move or improve?

Some major home improvements which make a real difference to your home.

If you have any questions about an application you have already made online, please call 0800 30 20 10 and select option 5.