Managing your Personal Loan

We thought you might have some questions about how you can keep track of your borrowing, so here are the different ways you can manage your loan with us.

Telephone Banking

Securely check your balance, transfer money and pay bills over the phone - at home or abroad.


Visit your local Nationwide branch to discuss all your banking needs.

Application FAQs

Loans are available from £1,000 to £25,000 in £50 multiples.

Yes. However, both applicants must reside at the same address.

We will not leave a footprint on your credit file until you have received your individual quote and progressed to the lending decision.

There could be a number of reasons why you've been declined as each decision is based on your personal circumstances and by reference to a credit reference agency. The four most common reasons for a decline decision are:

  • Account performance - the performance on one or more of your Nationwide accounts currently falls below the standards we would expect from a Personal Loan applicant
  • Information from credit reference agencies - Information is shared with us from Credit Reference Agencies that can determine whether you’ll be accepted for a loan
  • Your credit score - We use your personal details to calculate a credit score for you and this determines whether you’ll be accepted for a loan 
  • Our internal policy rules - Unfortunately at this time, you don’t currently meet some of our required application criteria.

If you have any additional information to support your application that you feel may affect our decision, please let us know by calling 0800 545 30 00 (option 5). You'll need to quote your reference number.

Yes you can, but whether this option is available to you will be assessed on your individual circumstances. During the application process you'll be asked ‘Do you have any other loans’, answering ‘Yes’ will allow you to consolidate any existing Nationwide Personal Loans. You can take out a new loan and leave your existing loan in place if you prefer, but you should note that you can only have two Nationwide Personal Loans at any time and the total amount borrowed on these loans must not exceed £25,000.

Apply via Internet Banking

If you're registered for Internet Banking you can log in to apply.

Not registered for Internet Banking?

If you're not registered for Internet Banking you can  apply online to consolidate your existing Nationwide Personal Loan.

You'll need your personal loan account number; this can be found on any letters or annual statements referring to your loan. Alternatively you can call a Nationwide Building Society representative on 0800 545 30 00 (option 1).

You also have the option to register for Internet Banking and then apply online for a loan top-up. To register you’ll need to have another Nationwide product – Current account, Savings account, Credit Card or Mortgage. Once registered you’ll have everything you need to Log In and top-up online within 3-5 days.

Other ways to top-up

  • Call our call centre on 0800 30 20 10 (option 4)
  • Visit usin branch

For more information see 'Borrowing more.'

When we’ve received everything we need, we’ll finalise your loan agreement and issue your funds to your chosen account. If you chose to repay any existing loan you have with us, we'll use the new loan to repay it on your behalf and any surplus will be released to your chosen account.

If you choose to pay your loan into a Nationwide current account, the funds will normally be available within 2 hours. For other Nationwide accounts the funds will be available within 1 working day, and for all other accounts, within 3 to 5 working days.

You can use our budget calculator to work out how much money you have left over each month after you've covered all your outgoings. It's quick and easy to use - make sure you have copies of your monthly bank statements and regular bills to hand when you fill it in.

Your circumstances can change over any given period and we'll be pleased to consider a new application from you in due course. However, if your circumstances have not changed since your last application it's unlikely that our decision will change. We will not refuse any application just because we have declined a previous one.

Take out a Nationwide Personal Loan today

Available just for members

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Loans terms and conditions

View the full terms, conditions and supporting legal information for a Nationwide Personal Loan.

Personal Loan application FAQs

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

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.

If you have any questions about an application you have already made online, please call 03457 30 20 11.