Nationwide Loan

Compare Nationwide Loans

A Nationwide loan offers competitive rates with various advantages. The loan deal available to you will depend on several factors, including your credit history, how much you want to borrow and over what length of time. There are many loans available on the market so before you decide check out the free comparison tables below to look at features of different loans:

ProviderLoan AmountCredit HistoryRepresentative APRTerm 
£1,000 to £25,000Excellent Credit Only3.50%

£7,000 to £25,000 with a 2 year term

6 months to 5 yearsGet Quotes >
  • Getting a quote will not impact your credit score
  • Instant Online Decision
  • Money in your bank in 1 working day
  • Must be aged 21
  • Minimum Income £14,500

Representative Example: Based on an assumed loan amount of £3,000 over 24 months at a Representative APR of 7.90% p.a. (fixed), you will repay £157.74 per month. Total amount you repay £3,786.

£7,500 to £14,999Excellent Credit3.90%1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Available to existing RBS current account holders only
  • Must be aged 18

Representative Example: Borrow £10,000 over 5 years at a Representative APR of 3.90% paying £183.40 per month will result in a total sum of £11,004 over the loan term.

£7,500 to £14,999Excellent Credit3.90%1 to 5 YearsGet Quotes >
  • Get a quick quote - no impact on your credit rating
  • Available to existing NatWest current account holders only
  • Must be aged 18

Representative Example: Borrow £10,000 over 5 years at a Representative APR of 3.90% paying £183.40 per month will result in a total sum of £11,004 over the loan term.

£7,500 - £14,999Excellent Credit Only4.60%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • Must earn at least £750 pm (can be combined income)
  • Must be aged 18
  • If self employed must be homeowner and supply 1 years audited accounts

Representative Example: 4.60% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.60% p.a. (fixed). Monthly repayment £186.46. Total amount payable £11,187.60.

£20,000 to £200,000Good Credit4.68%3 to 25 YearsGet Quotes >
  • Interest Rates from 4.68%
  • Market leading homeowner loan deal
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 4.80% - Based on an assumed loan amount of £20,000 over 10 years at an interest rate of 4.80% p.a. (fixed) you would pay £233.00 a month and £27,960 in total.

£1,000 to £20,000Fair & Poor Credit48.50%1 to 5 YearsGet Quotes >
  • Rebuild Your Credit
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 48.50% - Based on an assumed loan amount of £3,000 over 12 months at an interest rate of 48.50% p.a. (fixed) you would pay £670.83 a month and £3,670.83 in total.

£500 to £5,000Fair & Poor Credit48.0%6 months to 5 YearsGet Quotes >
  • Guarantor Loans - Your guarantor can be a homeowner or a tenant
  • Fixed monthly repayments
  • Easy online process - Fast decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 48.0% - Based on an assumed loan amount of £2,500 over 36 months at an interest rate of 48.0% p.a. (fixed) you would pay £120.04 a month and £4,321.44 in total.

£1,000 to £20,000Fair & Poor Credit99.9%1 to 5 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

Nationwide personal loans feature:

 

  • Fixed rate for the term of your loan
  • Borrow between £1,000-£25,000
  • Repayment periods between 1-7 years
  • Decision in minutes
  • No obligation quotes

 

Nationwide Loan calculator

 

If you are interested in n a Nationwide loan but would like to get an indication of how much it could cost you, you could use the Nationwide loan calculator. A loan calculator can give you an idea of how much a loan would cost you in repayments. You just need to put in how much you want to borrow and your desired length of repayment term and the calculator will work out an estimate based on Nationwide’s Representative Annual Percentage Rate for a loan of that size.

 

If you do decide to apply for a Nationwide Loan you may find that the APR they offer you is different from their Representative APR. This is because lenders may tailor what APR they would be willing to offer a borrower once they have made an assessment of their financial circumstances. This means that the amount expected to be repaid would also change.

 

Before you apply for a loan

 

It’s important to get a loan which suits your specific needs, as well as offers the best deal. Consider what features you need from a loan and then compare different options to see if there is anything suitable. You can use the able comparison tables to look at the different features of loans from many different providers. Loans vary greatly between lenders so shopping around is a good idea.

 

You might also want to think about alternatives to credit. For example if you already have the required funds as savings it may be better to use these instead. This is because the rate of interest you earn on your savings may be less than the interest rates you could be charged on a loan.

 


If you are thinking of taking out a loan to consolidate debt understand that spreading your payments over a longer term could mean you  ultimately pay more overall than you would with your existing arrangements, even if the interest rate on the new loan is less than the rates you have at the moment.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.