Rating based on 45 reviews

Nationwide Personal Loan

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

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Author Nationwide. Screenshot of Nationwide website.
[Accessed April 21, 2020]

About Nationwide

We started operating in 1846 and we were called the Provident Union Building Society.

When we started banking products and services were only accessible to the wealthy, while it was hard for the working classes to get credit and find secure, comfortable, and long-term housing.

Aims of the nationwide bank

As the Nationwide bank, what we observed during the 19th century did not sit well with us. We looked for ways to help everybody to have a sense of belonging and have something to keep them moving. We strived to make services accessible to everyone regardless of their financial status. Since then we managed to help ordinary, working-class people to save and borrow money for land and materials with which to build their own homes.

At Nationwide, we are never shaken

Centuries have passed and things are either easy or become harder, but we have never changed our aim and we never forgot the reason for our existence. At Nationwide we have remained solid, stable, and dependable despite the increasingly complex regulatory environment and financial crises. We are still committed to doing the right thing by our members and are faithful to our mutual heritage.

We are responsible lenders

Regardless of how you are desperately in need of financial support, we will never lend you more than what you can afford. We adhere to UK credit rules which force us to lend responsibly. Lending responsibly simply means that before giving you a loan we should firstly look at your credit report, determine your income and expenses. If ever you will not be able to cope with the installment for the duration of the loan, we should not lend you.

Nationwide Services

We offer the best affordable loans in the UK.

Nationwide has services that will help you become financially smart and improve your credit score. Our services are designed to suit every individual’s needs.

A personal loan from Nationwide

A personal loan is easy to apply for a loan that you can use to cover all personal expenses or tidy up your finances such as replacing your car or making some home improvements. A Nationwide personal loan requires no obligation quote and you can expect an instant online decision. You can get between  £1,000 and £25,000.

The benefits of Nationwide personal loans

If ever you are a Nationwide member with a mortgage, savings, or main current account you’ll be eligible for our lowest rate. When a Nationwide member loan application has been approved, the member can expect to get the funds into the Nationwide account within 1 working day. But if you have an account with another bank or building society in 3 to 5 working days.

  • No hidden fees - all our fees are transparent, and you do not get charged for setting up your loan or if you want to settle early
  • A quick decision - apply online and get an instant decision.
  • Risk-free quotes – you get a personalized quote that won’t affect your credit rating only when you request it.
  • Acceptance indicator – we let you know your eligibility for the loan before your credit score.
  • Money in your account within 2 hours- to your Nationwide current account but if you do not have an account with Nationwide, you will get within 5 working days.

Nationwide – Personal loan

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

Benefits of Nationwide

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

Personal 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 quick loans calculator is subject to our terms of use.

Nationwide brings financial solutions to everyone

Applying online serves time since you can apply anytime when you are free.

At Nationwide we do not complicate your life by asking for unnecessary documents. We are a straightforward lender we only ask for what will contribute to your loan application.

Applying for a Nationwide loan

When you need a Nationwide service, you only need to have access to the internet. Our loan application is entirely online. You apply by visiting our website and clicking on the apply now button. And you will be redirected to the online form. But most importantly you should calculate the legibility of the loan you need before filling out the application form.

Nationwide lending criteria

Before you attempt to apply for any services we have on offer, you should firstly check your eligibility of the service to avoid your application being declined. Although the main purpose of Nationwide is to help people regardless of their financial status, we only help those:

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

We are what we are today because of our members

As much as we provide financial solutions, we would never be where we are if it wasn’t for our members. Their support and consistency are so important to us. We need our customers’ support more than they need our services. We are who we are because of our 15 million members who bank, save, or have mortgages with us.

Be in contact with Nationwide

There are many reasons you could have to contact us. Hence, we always strive to avail ourselves as much as we can. You could contact us through our website or branch visit. Or you could give us a call, our consultant will gladly assist you. Follow us on Facebook, Twitter, LinkedIn, and YouTube to learn more about Nationwide.

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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 UK: FSA 106078

Customer Reviews & Testimonials

September 2019

The personal loan benefits are so amazed. I am so grateful to be a Nationwide member

Matthew U
— York —

October 2019

Nationwide locates branches in a more accessible environment which is good and advantageous when you do not have money for transport.

Gary T
— Chelsea —

Nationwide Contact

Contact Number


  • not available


Physical Address

Opening Hours

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