To apply for a loan

You can apply if:

  • you have a monthly income of £700 after tax. If you're self-employed, you'll need to be able to prove a minimum of 1 year's income through an accountant's certificate, SA302 form or HMRC online tax calculation
  • you live and work in the UK
  • you're between 18 and 79 years old
  • you're a member of Nationwide. You're a member if you have a current account, mortgage or savings account with us.

If you're applying for a joint loan, other criteria will apply.

Note:

Our personal loans are for Nationwide members. We'll cancel your application if you apply and you're not a member.

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Information:

We recommend getting a few personalised quotes from us.

We may be able to offer you a better rate if you change the amount you want to borrow or the length of time you borrow for. Even a small change can make a big difference to how much interest you'll have to pay and the overall cost of the loan.

You can get a quote in the same way you apply for a loan. Just fill out our application form online or give us a call.

Getting a quote will not affect your credit rating. Your credit rating will only be impacted if you decide to continue with your quote and take out a loan.


Longer loan terms

We offer personal loans for terms up to 7 years. For loans longer than 5 years, you'll need to give us a few details first so you can get a personalised loan quote.



Related links

Other ways to borrow

A loan might not always be the right way to borrow the money you need. There might be a more suitable option for your financial situation. Learn about:

Nationwide adheres to The Standards of Lending Practice, which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk (opens in a new window)