Personal loans for home improvements

With a Nationwide loan, you'll:

  • Get a no-obligation quote
    A personalised quote that won’t affect your credit rating.

  • 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 example

6.4% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 6.4% p.a (fixed). Monthly repayment £194.35. Total amount repayable £11,661.00.

This representative APR applies to loans of £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. The maximum you could receive is 29.9%.

We offer personal loans for terms from 12 months up to 7 years. You can choose the term in years or months when you apply.

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.

Loan calculator

See what borrowing towards your home renovations could look like. Get an estimate for the interest rates and repayments of our personal loans for home improvements.

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)