When you apply for a personal loan from Nationwide, we may request a little more information before we can confirm your loan offer.

These requests could be for you or the joint applicant. In some cases we may need information from both of you.

Be aware we only accept certain types of documents when you respond to a request to prove your:

  • identity and address
  • right to live and work in the UK, or
  • income.

If you’ve been asked to provide any of these, you can find out what type of documents we accept on this page.


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

On this page:

Proof of income

Please provide one of the following for each applicant. If you have a joint applicant and we’ve asked for proof of income from them too, they’ll need their own separate documents.

You can send copies of original documents as long as they're clear copies.

You can email us your documents, post them to us or bring them into a branch.


We need proof of the income you've declared over the last 12 months if you're:

  • registered as self-employed
  • a partner in a partnership, or
  • a company director.

You (or your joint applicant) can use:

  • A print-off of your tax calculation, if you're registered for the Inland Revenue's self-assessment service.
  • The SA302 letter from the Inland Revenue that includes your tax calculation.
  • A completed certificate, provided by Nationwide, and signed by your accountant. They may charge you for doing this.


  • A copy of your most recent weekly or monthly payslip. This must show the name of your employer, your year to date income and the tax and National Insurance that’s been deducted.
  • A handwritten payslip with a P60.
  • A job offer letter or contract of employment showing your annual salary. You must send this document if you've been employed for less than 3 months.


We’ll need to see proof of income for all pensions declared on your application, including those of your joint applicant if you have one.

We can accept:

  • private and/or state pensions

  • War Widow’s and/or Widower’s Pensions (also known as Bereavement Allowance).

You must provide either:

  • Your most recent pension statement – must be an original and no more than 12 months old.
  • Your most recent bank statement showing your pension – please only send this if you can't provide a pension statement, and highlight the pension or detail the payments in a covering letter.

Unfortunately, we can't accept joint account statements because we can't always tell exactly who the payment is for.


Benefits can include:

  • Court-ordered maintenance – as long as this runs for the term of the loan

  • Disability Living Allowance (DLA)

  • Incapacity Benefit

  • Employment and Support Allowance (ESA)

  • Industrial Injuries Disablement Benefit (IIDB) – if it's permanent

  • Attendance Allowance

  • Income related Employment and Support Allowance (ESA)

Please provide either:

  • a letter from the Department for Work and Pensions confirming what the benefit is for and how it will be paid, or
  • a copy of the court order for maintenance.

Proof of your identity and address

Please provide one of the following for each applicant. If you have a joint applicant, they’ll need their own separate documents.

You can send copies of letters but we'll need you to take your original driver's licence or passport into a branch.


One of the following:
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 bank or building society – 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


Even though these documents may show your current address, you’ll need to provide a separate document from the following table as proof of your address.


To prove your address, you can use either:

  • A mortgage statement that's less than 12 months old.
  • A utility bill such as gas, electricity bill or landline phone bill that's less than 3 months old.
  • A water or council tax bill that's less than 12 months old.

You can take these documents into a branch or post them to us.

Proof of your right to live and work in the UK

Please provide one of the following for each applicant. If you have a joint applicant, they’ll need their own separate documents.

  1. A passport with either:
    • indefinite leave to remain
    • a no time limit stamp.
  2. A naturalisation certificate
  3. A resident's permit with either:
    • leave to remain to a date which is later than the date of the last loan repayment
    • indefinite leave to remain

You can take these documents into a branch or post them to us. Please send passports and permits by recorded delivery.


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
  • Other bank or building society accounts: by the end of the next working day


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

How to send your documents

In branch

If you come into branch:

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

Sending documents 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.
  • Remember to 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,
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 are sending a signed Personal Loan Agreement by email, we will only accept a scanned version.

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

Email us at: