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Loan application documents guide

When you apply for a personal loan, we may need proof of your income and right to live and work in the UK. If we do, we'll email you within 5 days. We may need this for you, a joint applicant, or both of you. Here's what we accept and how to send it to us.

Information:

If you haven’t received an email from us within 5 days of you applying requesting additional proof, this is because we’ve approved your loan. You don’t need to contact us.

What's on this page

Proof of your right to live and work in the UK

To prove your right to live and work in the UK, you (or your joint applicant) should provide one of the following:

  • a 9-digit UK Government share code (opens in a new window)
  • a passport with either indefinite leave to remain or a no time limit stamp
  • a naturalisation certificate
  • a 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.

If you have a joint applicant and we've asked for proof from them too, they'll need to provide 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.

Proof of income

When you apply for a personal loan, we'll email you asking for proof of your income.

Find out what proof of income documents we accept

How to send your proofs

We need to receive your proofs and a signed Personal Loan Agreement within 30 days of your application date.

Send us your documents by replying to the email we sent you and adding them as attachments. If we've asked for documents for you and a joint applicant, you each need to reply to your own email attaching your own documents.

For documents proving your right to live and work in the UK, we can only accept scans of your documents. Any other format will be declined and could delay your application.

For documents proving your income, you can send good quality photos (JPEG, TIFF or PDF formats) of the full, original documents. We can't accept screenshots or pictures of a screen.

If you're sending a UK Government share code as proof of your right to live and work in the UK, simply reply to the email we sent you with your 9-digit code.

What happens after we receive your documents

Once we've checked your documents and approved your loan, we'll transfer the money to your Nationwide current account in 2 hours.

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