Consolidate your debts with a Nationwide Personal Loan

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.

Plus, if your main current account is with us, you get even more - including rates at least 1% lower than equivalent rates for all other members.

Find out more about membership

Debt consolidation could mean taking out a new personal loan to repay all, or some, outstanding debts such as:

  • Credit cards
  • Store cards
  • Personal loans

Although your debts won't disappear, merging them into one personal loan could reduce your monthly outgoings.

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

The rate you get depends on the amount you wish to borrow and your individual circumstances. Take a look at our rates for loans between £1,000 and £25,000.

Keep in mind

  • A personal loan may be offered over a longer period than your original credit, meaning you end up paying more.

  • It's important to consider all of your borrowing options carefully, and to seek independent advice if you're unsure what to do.

  • If you're in financial difficulties, we do not recommend that you increase your debts.

Managing your Debts

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.

Get your personalised no-obligation loan quote today

Available just for members

**If you're happy with your quote and want to continue your application, a record will be left on your credit file that other lenders can see.

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.

With a Nationwide Personal Loan you could benefit from:

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.

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.

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.

Ready to get your free no-obligation quote?

Available just for members

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About debt consolidation

Find out about debt consolidation loans, and how to sensibly manage your monthly payments.

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.

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