Calculate what your loan repayments could be

Because you have a mortgage, savings or main current account with us, you’ll get a rate that’s at least 1% APR lower than the equivalent for all other members. For joint accounts, only one of you needs to be a member.

You’re a main current account holder if you hold a FlexOne, FlexStudent, FlexGraduate, FlexDirect or FlexPlus account. Or if you hold a FlexAccount and have been paying in £750+ a month for the last 3 months from a non-Nationwide account, or completed a switch to us from a non-Nationwide account using our Current Account Switch Team in the last 4 months.

Not a member with a mortgage, savings or main current account? As long as you have a FlexAccount you can still apply for a Nationwide loan, but the rates will be different. Try our calculator for all our other members.

Loan calculator


  • Representative APR:%
  • Monthly repayment:
Total repayment:

Representative example:

2.9% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 2.9% p.a. (fixed). Monthly repayment £179.51. Total amount payable £10,770.60.

The rate we offer will be based on the loan you choose and your individual circumstances.

Take out a Nationwide Personal Loan today

Available just for members

Your borrowing choices

It’s a good idea to consider different types of borrowing. The best option for you depends on the amount you want to borrow, and how long for. We’ll need to check before we can offer you a loan, overdraft, or credit card. It will depend on our view of your circumstances.

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

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 0800 30 20 11.