Features and benefits

Personal Loans from Nationwide, just for members

Whether you're looking for a way to tidy up your finances, replace your car or make some home improvements, we can give you a no-obligation quote today and an instant online decision.

Our loans are just for members. You’re a member when you have a current account, mortgage or savings account with us. If you’re applying for a joint loan, only one of you needs to be a member.

Plus, if you're a member with a main current account with us, you get even more - including rates at least 1% APR lower than equivalent rates for all other members.

Find out more about membership

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.

An instant online decision

The application process takes just minutes to complete and in most cases you will receive an instant online decision.

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.

A no obligation quote

Get a no obligation quote that won't affect your credit rating.

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.

Loans made simple

Borrow between £1,000 to £25,000 over 1-7 years with fixed monthly payments. We won't charge you any fees for setting up your Personal Loan.

Money in your account in 2 hours

If you pay your approved loan into a Nationwide Current Account, the funds will normally be available

No hidden fees

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

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.

Nationwide adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board (LSB) 

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

We offer loans from 1-7 years

If you’re looking for a personal loan for more than 5 years we can offer you a no-obligation quote. We don’t charge any fees for setting up a loan and your personalised loan quote won't affect your credit rating.

Take out a Nationwide Personal Loan today

Available just for members

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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.

The Nationwide difference

With the best customer satisfaction amongst our major high street competitors* and access to exclusive products, it’s no surprise millions of people prefer to do their banking with a building society.

*© GfK 2017, Financial Research Survey (FRS), 6 months ending January 2017 (30,207 interviews). Combined customer satisfaction for current accounts, mortgages and savings. Major high street providers are defined as providers with main current account market share >6% (Barclays, Halifax, HSBC, Lloyds Bank (inc C&G), NatWest and Santander).

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

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Rates and details

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