Rating based on 47 reviews



  • Personal loans up to £25,000
  • Low-interest starting from 3.4%
  • Repayment up to 7 years

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Author Nationwide. Screenshot of Nationwide website. [Accessed December 18, 2018]

About Nationwide

Nationwide realised that working classes found it hard to get credit and find secure, comfortable, and long-term personal loans.

It is at this point that the idea of a mutual society was born. It enabled ordinary, working class people to save & borrow money for land and materials that was to be used to build their own homes and this is our proud heritage. The most important feature is that this is built first and foremost on the needs of the people.

World’s largest mutual financial institute

Since various mergers, we are now the now the world’s largest mutual financial institution, the UK’s second largest mortgage provider, and one of the UK’s largest savings providers. What makes our services so popular? The fact that we have a heritage, culture and ethos that remain unique and a solid business foundation is why we are a popular choice among consumers.

Committed to our members

One thing has not changed since our establishment decades ago. We have remained solid, stable and dependable. Nationwide is committed to doing the right thing by our members, and committed to our mutual heritage.

Simple and easy personal loans

Members are able to borrow from £1,000 to £25,000 over a one to seven year repayment period with fixed monthly payments. There are no fees charged for setting up your personal loan.

Funds transferred in 2 hours

With a Nationwide Current Account, the funds will normally be available within two hours. We aim to deliver in the shortest possible time and believe there is no need for our members to wait on the personal funds they require.

No hidden or early repayment fees

There are no fees for setting up your personal loan or early repayment. As we are committed to our customers, we keep our personal loans as affordable as possible.

Nationwide Services

Members are able to apply for a personal loan from Nationwide.

In order to be a member you are required to current account, mortgage or savings account with us. Should you apply for a joint loan, only one of you needs to be a member.

Affordable personal loans

If you are looking to get a loan from £7,500 to £14,999 with a repayment term from one to seven years and a low rate of just 3.4% APR, we have the perfect personal loan for you.

Multi-purpose loans

Our personal loans serve many purposes such as getting your finances under control, replacing your car or make some home improvements.

We offer members a no-obligation quote and an instant online decision. Members with a main current account get rates at least 1% APR lower than equivalent rates for all other members.

A low loan rate

Our personal loans have a rate of just 3.4% APR representative (fixed) on unsecured loans from £7,500 to £14,999 with a repayment term of one to five years for our main current account customers.

An instant online decision

Applying for a Nationwide personal loan is as easy as taking a few minutes of your time to complete the loan application process and in most cases you will receive an instant online decision.

Get 1% lower loan rates

The most affordable rates in the industry is entirely reserved for our main current account customers, who pay at least 1% APR less on the same loan than any of our other customers.

A no obligation quote

You are able to apply for a no obligation quote that will not affect your credit rating.

Nationwide Product Details

  • Loan Type Personal loans
  • Interest Rate from 3.4%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Benefits of Nationwide

  • Get a personalised quote
  • Money in your account within 2 hours
  • Apply online and get an instant decision.

Three easy ways to apply for a Nationwide personal loan

Members who have a current account, mortgage or savings account with us are able to apply for a personal loan.

How can you apply for a personal loan?

We offer three easy methods of applying for a personal loan with Nationwide.

1. ONLINE - Apply online for a convenient option all-round.

2. BY PHONE - Should you wish to apply over the phone, our consultants will be happy to assist you.

3. IN-BRANCH - Visit one of our branches to apply in store and receive professional, personalised customer service.

Requirements to apply for a personal loan

  • Be a member of Nationwide Building Society
  • Be aged 18 to 79
  • Have a net monthly income of £700+
  • Live at the same address if applying for a joint loan
  • Have the right to live and work in the UK for the term of the loan
  • Not have missed three or more credit commitments in the last 12 months
  • You are also required to not currently be declared bankrupt, have a County Court Judgement against their name or be subject to an IVA

All members welcome to apply

Nationwide members who have a current account, mortgage or savings account with us are able to apply for one of our competitive personal loans. It enables you to make your dreams a reality in the most affordable way possible.

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Nationwide is a trusted & reliable provider of personal loans

In our review, Nationwide adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Nationwide is a registered credit provider in the UK; FCA number 106078

Customer Reviews & Testimonials

They really do tender to the working class. Thanks to them I was able to get the funds I needed at an affordable rate that doesn't leave me broke paying it off.

Sheila P
— Norwich —

Very low interest rates and quick payout. Just what was promised and what I needed!

Landon W
— Newcastle —

Nationwide Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:30 – 16:30
  • Tuesday 08:30 – 16:30
  • Wednesday 08:30 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 08:30 – 16:30
  • Saturday – Closed
  • Sunday – Closed