Features and benefits

Loans calculator

Personal Loans calculator

Whatever your plans, see how much you could borrow with a personal loan - just for members.

You’re a member when you have a current account, mortgage or savings account with us. For joint applications, only one of you needs to be a member.

Are you a Nationwide member?

Our loans, along with a wide range of other products, are for members just like you. And, if your main current account is with us, you get even more - including rates at least 1% APR lower than equivalent rates for all other members.

Our loans are only available to members. You’re a member when you have a current account, mortgage or savings account with us.

Find out more about membership

Is your main current account with Nationwide?  

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:

4.6% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.6% p.a. (fixed). Monthly repayment £186.46. Total amount payable £11,187.60.

*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.

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.

Budget Calculator

Budget Calculator

Our budget calculator can help you work out if you have enough money left over each month to afford a personal loan repayment.

Plan my monthly budget

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. Please click apply now (or retrieve a quote you've started) to begin your online application. You'll be offered a no-obligation personal loan quote that won't affect your credit rating.

Take out a Nationwide Personal Loan today

Available just for members

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

Rates and details

Apply online