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. What's more, our main current account customers can take advantage of our exclusive features just for them. From rates that are at least 1% lower than equivalent rates for other customers, to our Loyalty Price Promise. 

With a Nationwide Personal Loan you could benefit from:

A low loan rate

Just 3.4% APR representative (fixed) on loans from £7,500 to £15,000 from 1 to 5 years for our main current account customers.

An instant online decision

The application process takes just minutes to complete and in most cases you will receive an instant online decision.

At least 1% lower loan rates

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

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.

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 for our main current account customers.

Money in your account in 2 hours

If you pay your approved loan into a Nationwide Current Account, the funds will normally be available 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.
    • 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.

    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 £10,874.40. The illustrative cost of borrowing £10,000 over 60 months at our competitive rate of 3.4% 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 main current account customer with us*

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

Representative example:

4.6% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.6% p.a. (fixed). Monthly repayment £186.46. Total amount payable £11,187.60.

*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

We have a responsibility to you, our customers, to be open and honest, to treat you fairly, and to be safe and secure.

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 10 and select option 5.

Apply online