Features and benefits

Personal Loans from Nationwide

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 Personal Loan quote today and an instant online decision. What's more, our main current account customers can take advantage of our exclusive features just for them. From rates that are at least 1% lower than equivalent rates for any of our other customers, to our Loyalty Price Promise.

With a Nationwide Personal Loan you could benefit from:

A low loan rate

Just 3.6% APR representative (fixed) on 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.

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.

Loans 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.

Loan calculator

The total amount payable is £7,916.76. The illustrative cost of borrowing £7,500 over 36 months at our competitive rate of 3.6% APR representative (fixed) for our main current account customers. Calculation for illustrative purposes only. This quote was produced on 31/07/2015 and is valid for today only.


  • Representative APR:%
  • Monthly repayment:
Total repayment:

Representative example:

3.6% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.6% p.a. (fixed). Monthly repayment £182.11. Total amount payable £10,926.60.

Before applying for a Loan it's important you take into account your individual budget and what you can afford to pay back each month. For help planning your budget, you may want to use our handy budget calculator. 

All loans are subject to status and are available to UK residents aged 18 to 79 only. The interest rate offered will depend on the amount you wish to borrow and your individual circumstances. Nationwide Personal Loans cannot be used for business or investment purposes, bridging loans, mortgage deposits or speculative reasons.

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. 

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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 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 2015, Financial Research Survey (FRS), 6 months ending June 2015 (29,562 interviews). Combined customer satisfaction for current accounts, mortgages and savings. High street defined as Barclays, Halifax, HSBC, Lloyds Bank, Nationwide, NatWest and Santander.

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

Nationwide Building Society subscribes to the Lending Code. For more information on the Lending Code please visit www.lendingstandardsboard.org.uk.

Loans calculator

Rates and details

Managing your loan

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