Buy a car with a Nationwide loan

With a Nationwide personal loan, there's no need to worry about deposits, excess mileage or damage charges.

Using a Nationwide loan, you'll:

  • Own the car outright
    If your loan covers the full cost of the car

  • Have fixed monthly payments
    They won't change during the term of your loan

  • Pay no hidden fees
    We won't charge you for setting up, overpaying or settling your loan early.

Representative APR

From 2.9% APR Representative (fixed) on unsecured loans from £7,500 to £25,000 over 1 to 5 years for our members with a mortgage, savings or current account.

You could be offered a different rate based on your personal circumstances.

APR and Representative APR

APR stands for Annual Percentage Rate. It can be used to compare the total cost of your borrowing with other providers. Representative APR is the rate that we give to at least 51% of successful applicants. You could receive a different rate from the one shown and we’ll confirm your rate during your application.

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.


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

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.

Loan calculator

See what your borrowing could look like with an estimate of our interest rates and repayments for our personal loans.

Get your loan estimate

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: (opens in a new window)