Looking for a Personal Loan to buy a car?

Our loans are just for members. You’re a member when you have a current account, mortgage or savings account with us. If you’re applying for a joint loan, only one of you needs to be a member.

Find out more about membership

Whether you're buying a new or used car, we may be able to help with our low cost car loan...

  • Get an instant online decision
  • Get a no-obligation quote that won't leave a record on your credit file**
  • No hidden fees for setting up your car loan or settling early
  • Approved loan funds normally issued within 2 hours when paid into a Nationwide Current Account.

Rates will vary depending on the amount you wish to borrow and your individual circumstances. Take a look at our rates for loans over 1 - 5 years.

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.

A personalised quote without affecting your credit rating

We'll give you a personalised quote and tell you whether you're likely to be accepted before you are credit scored.

**A record will be left on your credit file that other lenders can see if you're happy with your quote and continue with the loan application.

Are you a Nationwide member?

Our loans, along with a wide range of other products, are for members just like you. And, if your main current account is with us, you get even more - including rates at least 1% APR lower than equivalent rates for all other 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

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.

A better deal for main current account customers...

A low loan rate

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

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.

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.

Ready to get your free no-obligation quote?

Available just for members

You may also be interested in...

Car buyers guide

There's a lot to think about when you're buying a car - whether it's new or used, or bought from a dealer or privately.

Our guide to paying for your next car purchase

Buying a car? Explore your payment options

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