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Loan application documents guide

When you apply for a personal loan, we may need proof of your income, identity, address or right to live and work in the UK before we can confirm your loan offer. We may need this from you, a joint applicant or both of you. Here are the documents we accept and how to return them to us.

Note:

You'll need to provide your documents within 30 days of your application date.

What's on this page

Proof of income

We may request proof of your income, or the income of your joint applicant, when you apply for a personal loan.

To find out what documents we accept and how to submit them, visit our proving your income page.

Proof of your identity and address

To prove your identity and address, you'll need to provide one document for your identity and another document for your address. You'll need to provide separate documents even if one shows both your identity and address. If you have a joint applicant, they'll need their own separate documents too.

Identity

To prove your identity, provide one of the following for each applicant:

Different identity documents and whether you can take them into a branch or post them to us.
Document type Take into branch? Send by post?
Valid UK driving license – can be a photocard or old-style paper license Yes No
Valid full passport or EU member state ID card Yes No
Statement from a UK-based building society or bank – must be less than 3 months old and not a Nationwide Building Society account Yes Yes
Letter from a benefits agency – must be less than 12 months old Yes Yes

Address

To prove your address, provide one of the following for each applicant:

Different address documents and whether you can take them into a branch or post them to us.
Document type Take into branch? Send by post?
Mortgage statement that's less than 12 months old Yes Yes
Utility bill such as an energy bill or landline phone bill that's less than 3 months old Yes Yes
Water or council tax bill that's less than 12 months old Yes Yes

Proof of your right to live and work in the UK

To prove your right to live and work in the UK, provide one of the following for each applicant:

Different right to live and work in the UK documents and whether you can take them into a branch or post them to us.
Document type Take into branch? Send by post?
Passport with either indefinite leave to remain or a no time limit stamp Yes Yes
Naturalisation certificate Yes Yes
Resident's permit with either leave to remain to a date that's later than the date of the last loan repayment or indefinite leave to remain Yes Yes

Please send passports and permits by recorded delivery. If you have a joint applicant, they'll need their own separate documents.

Note:

The expiry date of your resident’s permit must be at least 1 month later than the date of your last loan repayment. For example, if your last payment is on the 20 May 2021, the resident permit must expire on the 20 June 2021 or later.

What happens after we receive your documents?

We need to have received your documents and your signed Personal Loan Agreement within 30 days from your application date.

Once we've checked your documents and approved your loan, we'll arrange for the money to be transferred to you.

Approximate timings for receiving the money once we’ve approved your loan are:

  • Nationwide current accounts: 2 hours
  • Other Nationwide accounts: by the end of the next working day
  • Accounts with other building societies or a bank: 3 to 5 working days

Information:

We’ll charge interest on your loan from day 1.

How to send your documents

In branch

If you come into branch:

  • bring original documents, not copies
  • bring your signed Personal Loan Agreement if you haven’t returned it already.

Through the post

If you want to post your documents:

  • we recommend recorded delivery for original documents
  • we’ll return any documents you send to us to your registered address
  • include your signed Personal Loan Agreement if you haven't returned it already.

Send documents to:

Personal Loans,
Nationwide Building Society,
Kings Park Road,
Moulton Park,
Northampton
NN3 6NW.

By email

If you're sending proof of income, you can scan your documents or take a good quality photo that shows the entire document in focus.

If you're sending a signed Personal Loan Agreement by email, we'll only accept a scanned version.

Please include your loan account number in the subject line of your email.

Email us at:

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