Borrowing more with a Nationwide personal loan

Top up your Nationwide personal loan

Already have a Nationwide personal loan and need to borrow more? It's quick and easy to apply online for additional borrowing.

Whether you're looking for a way to tidy up your finances, replace your car or make some home improvements, we can give you a personal no obligation quote today and an instant online decision.

As a member with a mortgage, savings or main current account you’ll be eligible for our lowest rate and get all the benefits of a Nationwide loan:

  • No hidden fees - we won’t charge you for setting up your loan or if you want to settle early
  • A quick decision - we usually give an instant online decision
  • Risk free quotes - a personalised quote that won’t affect your credit rating
  • Acceptance indicator - know if you’re likely to be accepted before you’re credit scored.
  • Money in your account in 2 hours - to your Nationwide current account

We can pay your loan into any account you choose. If you don’t have a Nationwide current account, it’s not a problem. We can pay your loan into another Nationwide account within 1 working day. Or into an account with another bank or building society in 3 to 5 working days.

We'll charge interest on your loan from the day we release the funds to you.

Work out your monthly repayments

Enter your loan amount into our calculator and it will give you a break down of the monthly cost of your loan.

Additional borrowing options

During the application process you'll have the option to either:

  • Top up your existing loan
    This will mean consolidating your existing Nationwide Personal Loan with the new money you want to borrow. Your new loan will replace the old, which will be closed and you'll then have one monthly repayment. See your loan agreement for information on repaying your loan early. The total amount borrowed must not exceed £25,000.

  • Take out a second Personal Loan
    This will mean you have a separate loan that sits alongside your existing one that you'll repay separately, you'll then have two monthly repayments. Your existing loan will remain under its original terms and rate. The total amount borrowed on these loans together must not exceed £25,000.

Ready to get your free no-obligation quote?

Get a quote & apply

Available just for members

Our loans are only available to members. You’re a member when you have a current account, mortgage or savings account with us. Find out more about membership (This link will open in a new window)

Looking for a different loan amount?

Our loans calculator will show you our different representative rates for loans between £1,000 and £25,000.

Loan terms up to 7 years

If you’d prefer to spread your repayments over a longer period, we can give you a personalised quote for a loan term of up to 7 years. Getting a quote won’t affect your credit rating and there’s no obligation to apply.

Don't have a mortgage, savings or main current account?

You can still apply for a Nationwide loan if your Nationwide current account isn't a 'main current account' - you just won’t be eligible for the 3% rate. Try our loans calculator to see the other rates we offer.

Your borrowing choices

It’s a good idea to consider different types of borrowing. The best option for you depends on the amount you want to borrow, and how long for. We’ll need to check before we can offer you a loan, overdraft, or credit card. It will depend on our view of your circumstances.

A credit card

We have two great credit cards, just for our members who hold a current account, mortgage or savings account with us.

Nationwide credit cards

An overdraft

You can apply for an overdraft (or an extension to your existing overdraft) with any of our popular current accounts.

Nationwide overdraft calculator

Other ways to borrow

If you're not sure what type of borrowing might suit you best, try our guide to the different types of borrowing.

Different types of borrowing

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All unsecured loans are subject to status and are available to UK residents aged 18 to 79 only. In order to be eligible to apply for a Nationwide Personal Loan, you will need to have a net monthly income of £700+. Nationwide Personal Loans cannot be used for business, investment or speculative purposes, as a bridging loan or a mortgage deposit or to purchase or retain an interest in land.

If you have any questions about an application you have already made online, please call 0800 30 20 11.