Rating based on 44 reviews

Nationwide Loans


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

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Nationwide Loans homepage

Author Nationwide Loans. Screenshot of Nationwide Loans website. [Accessed April 25, 2020]

About Nationwide Loans

Nationwide was formed in 1846 and we were called the Provident Union Building Society back then.

Back in the days banking products and services were only accessible to the wealthy, and it was hard for the working classes to get credit and find secure, comfortable, and long-term housing.

The goals of the Nationwide bank

Since the 19th century we started operating, we have observed a lot of hardship from the working class when they need a loan. Hence, we established ways to help everybody to have a sense of belonging and have something to keep them moving. We worked so hard to make financial services accessible to everybody regardless of your financial status. The Nationwide bank has managed to help everyone including ordinary and working-class people to save and borrow money for land and materials with which to build their own homes.

At Nationwide, we are never afraid

Ever since our existence, storms had passed, and things were either easy or become harder. Through all that we were never shaken, we never forgot the reason behind our existence. We have remained compact, stable and dependable despite the increasingly complex regulatory environment and financial crises. We are still determined in doing the right thing by our members and faithful to our mutual heritage.

The nationwide bank lends responsibly

The Nationwide bank is a bank for the people by the people. We care about how you spend your money as well as your credit score. Hence, we will never lend you more than what you can afford. We respect all the UK credit rules that enforce us to lend responsibly. To lend responsibly means that before giving you a personal loan we should firstly look at your credit report, determine your income and expenses to assess your loan suitability.

Nationwide Loans Services

Apply for a loan and do whatever you have been willing to do at an affordable price

The Nationwide loan will help you improve your credit score, if only you do not miss your monthly instalment. But you cannot afford to miss Nationwide repayments because everything is tailored to suit your budget.

Apply for a loan at Nationwide bank

At Nationwide we could help you with an affordable loan you can use to cover up all your personal needs. There is no obligation quote and you can expect an instant online decision when you apply for any of our loans. By filling in our simple and quick loan application form you stand a chance to get between £1,000 and £25,000.

The benefits of Nationwide loans

If you are already a Nationwide member that holds a mortgage, savings or main current account you will qualify for our lowest rates. Once an application form of an existing Nationwide has been approved the member can expect to get the funds into Nationwide account within 1 working day. However, non-Nationwide members can expect their money in 3 to 5 working days. Nationwide has the following other benefits:

  1. No hidden fees - we have transparent fees, and we do not charge you for settling your loan early.
  2. A quick decision - apply online and your application decision instantly.
  3. Risk-free quotes – we send you a personalized quote that won’t affect your credit rating.
  4. Acceptance indicator – we let you know your suitability for the loan before your credit score.

Nationwide Loans – Bad credit loan

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

Benefits of Nationwide Loans

  • All our fees are transparent
  • Apply online and get an instant decision.
  • Get a personalised quote for a bad credit loan
  • Money in your account within 2 hours

Bad credit loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Simple, quick and easy application form at Nationwide

We strive to give people what they want thus we do not keep you waiting.

Apply for a loan that will only consume a few seconds of your time and it has a quick turnaround too. There is no reason to wait, start your application now.

The lending criteria of the Nationwide bank

It is wise to first check your suitability of any of our products through our online calculator before you attempt to apply to avoid being declined. We only accept applications from people who meet our lending criteria. We are responsible lenders, so we are not allowed to break the rules. Before you apply to ensure you are:

  • Over 18 years
  • Permanently reside in the UK.
  • Be employed full-time or self-employed
  • Not bankrupt with a good credit score.

The Nationwide fast online application form

After you have acknowledged that you are suitable for the bad credit loan. You can start your loan application on our website. Click the ‘apply now’ button that will redirect you to the application form. Apply, attach and submit. Our consultant will get back to confirm your details.

Ways to get hold of the Nationwide bank

We are aware that as lenders we should always be easily accessible. Hence, our website is running for 24 hours. When you need us, you quickly visit our website. However, a website is not the only way of communicating with us. You can call us during our working hours or follow us on YouTube, Facebook, Twitter, and LinkedIn.

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Nationwide Loans is a trusted & reliable provider of bad credit loans

In our review, Nationwide Loans 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 Loans is a registered credit provider in the UK; FCA number 106078

Customer Reviews & Testimonials

September 2019

Nationwide offer convenient products

George L
— England —

October 2019

I am happy about the low-interest rates offered at Nationwide

Angelic P
— London —

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