Borrowing more

Borrowing more with a 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. Our loans are just for members. You’re a member when you have a current account, mortgage or savings account with us. Find out more about membership.

With a Nationwide Personal Loan you could benefit from:

A low loan rate

Just 3.0% APR representative (fixed) on unsecured loans from £7,500 to £15,000 from 1 to 5 years for our members with a main current account.

A no obligation quote

Get a no obligation quote that won't affect your credit rating. No obligation quote

No obligation quote

If you accept your quote, we will leave a record of our check on your credit file that other lenders can see. This is a normal part of many credit application processes but it might affect your ability to obtain credit elsewhere for a short period of time. You should consider all borrowing options carefully and seek independent advice.

Loans made simple 

Borrow between £1,000 to £25,000 over 1-7 years with fixed monthly payments. We won't charge you any fees for setting up your Personal Loan.

An instant online decision

The application process takes just minutes to complete and we usually give an instant online decision.

At least 1% lower loan rates

Our best rates reserved exclusively for our members with a main current account. You'll pay at least 1% APR less on the same loan than any of our other customers.

Loyalty Price Promise

We'll beat any like-for-like UK loan provider offer by 0.5% APR, on loans from £1,000 to £25,000 for between 1 to 7 years.

Money in your account in 2 hours

We can pay your approved loan into a Nationwide current account quickly - typically within 2 hours.

No hidden fees

We won't charge you any fees for setting up your personal loan or settling early.

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.

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.

    You can claim the Loyalty Price Promise against the new loan as long as it's on a like-for-like basis, but this offer will not be eligible on any existing loan. Find out how to claim

Is your main current account with Nationwide?  

Loan calculator

The total amount payable is £10,770.60. The illustrative cost of borrowing £10,000 over 60 months at our competitive rate of 3.0% APR representative (fixed). Calculation for illustrative purposes only. This calculation was produced on 25/02/2016 and is valid for today only.


  • Representative APR:%
  • Monthly repayment:
  • Total repayment:

Typical savings for being a member with a main current account with us*

If you become a main current account customer with us, you could potentially save*

Representative example:

4.2% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.2% p.a. (fixed). Monthly repayment £184.71. Total amount payable £11,082.60.

*If you are or become a member with a main current account with us before you apply, this figure shows the saving you potentially make over the full term of the loan, against the amount any other members without a main current account would pay for the same loan. We've calculated this using the loan amount and term you have selected, at the representative APR for that loan. Please note that all loans are subject to status so the actual rate and saving you get may vary.

Ready to apply for additional borrowing?

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Responsible lending

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Personal Loan application FAQs

Browse commonly asked questions about applying for a Nationwide Personal Loan.

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

Apply online