Nationwide Personal Loans

Helping you with your borrowing needs

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.

Calculate what your loan payments could be

Whatever your plans, see how much you could borrow with a personal loan - just for members.

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.

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.

Take out a Nationwide Personal Loan today

Available just for members

Why choose a Nationwide loan?

An instant online decision

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

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 for setting up your personal loan or settling early.

Exclusive features

For our members with a main current account

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 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 .

We offer loans from 1–7 years

If you’re looking for a personal loan for more than 5 years we can offer you a no-obligation quote. We don’t charge any fees for setting up a loan and your personalised loan quote won't affect your credit rating.

Ready to apply for a Nationwide Personal Loan?

Take out a Nationwide Personal Loan today

Available just for members

Have you considered...?

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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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.

Great service for our members

The best customer satisfaction amongst our major high street competitors* and access to exclusive products mean it’s no surprise millions of people prefer to do their banking with a building society.

*GfK 2018, Financial Research Survey (FRS), 12 months ending September 2018 (60,075 interviews). Combined customer satisfaction for current accounts, mortgages and savings. Major high street competitors defined as providers with main current account market share >4% (Barclays, Halifax, HSBC, Lloyds Bank, NatWest, Santander and TSB)