Features and benefits

Loans calculator

Personal Loans calculator

Whatever your plans, see how much you could borrow with the Nationwide Personal Loans calculator. Main current account customers can take advantage of our best rates reserved exclusively for them, from rates that are at least 1% lower than equivalent rates for any of our other customers.

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;

      OR


      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.

      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.

      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.

      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 the online application. You'll be offered a no-obligation personal loan quote that won't affect your credit rating. 

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

      Rates and details

      Apply online