Training Example: Nationwide Building Society – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H2] Happy Fairer Share Day
This year, we're giving £100 to over 4 million eligible members through our Fairer Share payment.Explore Fairer Share 2026
[H2] What are you looking for today?
Current accountsMortgagesSavings and ISAsInsuranceLoansCredit cardsInvestments
[H2] We save our best rates for our members
Earn 5% AER/gross a year for 15 months on balances up to £10,000 with our Member Exclusive Bond.
Our best available fixed rate. Limited time only. Terms apply.Start earning
[H2] £175 when you switch
Switch your current account and get £175.
Limited time only. Terms apply.
Switch for £175
[H2] Introducing Call Checker
Join over 7 million people who trust our app. Banking on our app is simple, easy and secure. Check if a call from Nationwide is real or a scamQuickly freeze or unfreeze your debit card if it's lost or stolenChat to us or find the support you needExplore and download our app
[H2] Internet banking
Check your balances or manage your payments all in one place.
Need any help logging in or registering? Visit our online banking help page.Log into the internet bankRegister for the internet bank
[H2] Search for help
Popular searches:Check your savings interest rateFraud and securityAll help topics
[H2] Independent service quality survey results
As part of a regulatory requirement, an independent survey was conducted to ask customers of the 17 largest personal current account providers for Great Britain and 12 largest personal current account providers for Northern Ireland if they would recommend their provider to friends and family.
We have published this information at the request of the Competition and Markets Authority so you can compare the overall quality of service from personal current account providers.
We asked customers how likely they would be to recommend their personal current account provider to friends and family.
[H3] Overall service quality – Great Britain
There’s more information to help you compare providers in the Competition and Markets Authority service quality results:Service quality results for Great Britain
[H3] Overall service quality – Northern Ireland
There’s more information to help you compare providers in the Competition and Markets Authority service quality results:Service quality results for Northern Ireland
[H3] Financial Conduct Authority Service Quality Metrics
The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on our Nationwide Service Quality Metrics page.
[H2] Authorised push payment (APP) scams rankings in 2024
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account.
Information about Nationwide's performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR’s latest APP Scams Performance Report - PDF, 1.2 MB (opens in a new window) published in February 2026.*PayUK quarterly Current Account Switch Service data, 12 months to January 2026, gross and net gains, based on the latest available data.
Customer satisfaction: Reported by The UK Customer Satisfaction Index (January 2026). Published by The Institute of Customer Service. Of the 18 banking providers included, our high street banking peer group consists of banks with their own branches (excluding hubs and the Post Office).
Availability of services may vary depending on the channel used.

[H1] Nationwide Fairer Share
As a mutual, we share our profits with our members.
[H2] Giving value back to our members
We have the best customer satisfaction of any high street banking provider* and offer exclusive member benefits like Fairer Share and Member Exclusive Bond.
[H3] £100 payment for over 4 million eligible members
[H3] Best available fixed savings rate with the Member Exclusive Bond
[H2] Find out how to become a Nationwide member
* To become a member you have to bank, save, or have a mortgage with us. More people switch their current account to us than anyone else. Bank with us by switching your main current account to our FlexPlus, FlexDirect or FlexAccount and get £175*.
For a limited-time only. Terms apply.
Switch your current account to Nationwide
[H2] The Nationwide Fairer Share payment 2026
The Nationwide Fairer Share payment is £100 for the fourth year running. Over 4 million of our members will receive it.
We will have paid out over £1.5 billion in total to eligible members since 2023.
[H2] Who is eligible?
You must be a member of Nationwide with a qualifying current account, plus either qualifying savings or a qualifying mortgage.
And you need to have met these criteria when we last checked on 31 March this year.Check if you’re eligible
[H2] What is a qualifying current account?
To be a qualifying current account, your Nationwide account must have been open on 31 March 2026 and any additional requirements depend on the type of current account you had on that date. A current account held with Clydesdale (including a Virgin Money current account) will not be a qualifying current account. Check the qualifying criteria for each current account on our full terms and conditions.
[H2] What are qualifying savings?
You will have had qualifying savings if you had at least £100 in total in one or more personal savings accounts or cash ISAs with Nationwide at the end of any day in March 2026.
Check the qualifying criteria for Savings on our full terms and conditions.
[H2] What is a qualifying mortgage?
To be a qualifying mortgage, you must have owed us at least £100 on your Nationwide residential mortgage on 31 March 2026.
Check the qualifying criteria for Mortgages on our full terms and conditions.
[H2] Am I eligible for the Nationwide Fairer Share payment as a Virgin Money customer?
If you’ve become a member of Nationwide as a result of the transfer, you could be eligible for a Fairer Share payment in 2027 which will include qualifying Virgin Money accounts. We would like to make the payment every year, but this will depend on our financial performance.
The amount we pay and what makes you eligible may change in the future, but you can see how it works on our terms and conditions page.
Find out how Fairer Share works in our terms and conditions
[H2] When will the payment be made?
Eligible members will receive their £100 payment between 10 and 30 June 2026. We will only pay the money into an open Nationwide current account.
For the full details, read our terms and conditions.
[H2] Get more from banking with us
[H2] We save our best rates for our members
Open a Member Exclusive Bond and get our best available fixed savings rate.
5% AER/gross a year for 15 months on balances up to £10,000. For a limited-time only. Terms apply.Get the Member Exclusive Bond
[H2] £175 to switch your main current account to us
Get £175 when you switch your main current account to our FlexPlus, FlexDirect or FlexAccount.
For a limited-time only. Terms apply.See our switch offerMore reasons why it's good to bank with Nationwide
[H2] Become a Nationwide member
Not yet a member? You simply have to bank, save, or have a mortgage with us.
[H3] Current accounts
If you're looking for banking that puts you first, you'll find it when you choose us. We're the only banking provider to share our profits with our members.Explore current accounts
[H3] Savings accounts
Explore our range of personal savings accounts and Cash ISAs to find the best savings accounts, interest rates and offers for you.Explore savings accounts
[H3] Mortgages
Whether you’re a first time buyer or looking for a better deal, we can help you find a mortgage that’s right for you.Explore mortgages
[H2] Need some support with our Fairer Share payment?
[H2] Chat with us
Opening times
Monday to Friday, 9am to 4.45pm. Closed bank holidays.
To start a chat, visit our Contact us page and select the Chat with us button on the right hand side.
Our live chat is available 24 hours a day, 7 days a week in our app and internet bank.
[H2] Phone us
Speak to a member of our team:
Opening times
Monday to Saturday, 8am to 8pm
Sundays, 9am to 5pm
Bank holidays, 8am to 8pm
0345 numbers are charged at the standard local rate. Charges vary by provider – up to 16p per minute from landlines and up to 65p per minute from mobiles. Calls are free if your mobile or landline plan includes inclusive minutes.
03457 30 20 11
[H2] Visit us in branch
Prefer to speak in person? Our colleagues in branch are always here to help you.
Find your nearest branch
[H2] Relay UK
Used to be known as Text Relay. Offers confidential text-to-speech and speech-to-text services for those who struggle to use the phone.
You'll need the Relay UK app or a textphone. Dial 18001 followed by the Nationwide number you want to call. The opening hours will be next to the number.
Find out more about how to use Relay UK (opens in a new window)
[H2] Using SignVideo
Use SignVideo to make British Sign Language (BSL) interpreted calls to us with a qualified and registered NRCPD/ SASLI interpreter.
Monday to Saturday, 8am to 9pm.Sunday, 9am to 5pm.
Connect to a BSL interpreter*’We have the best customer satisfaction of any high street banking provider': Reported by The UK Customer Satisfaction Index (January 2026). Published by The Institute of Customer Service. Of the 18 banking providers included, our high street banking peer group consists of banks with their own branches (excluding hubs and the Post Office).
’More people switch their current account to us than anyone else.’: PayUK quarterly Current Account Switch Service data, 12 months to January 2026, gross and net gains, based on the latest available data.
’To become a member you have to bank, save, or have a mortgage with us.’ : Most customers who bank, save or have a mortgage with us are members’ refers to individuals with personal current accounts, personal savings accounts and mortgages. Business current accounts aren’t included.

[H1] Current accounts
If you're looking for banking that puts you first, you'll find it with us. We're the only banking provider to share our profits with our members.
[IMG: Current account switch guarantee]
[H2] Our £175 current account switch offer
Get £175 when you switch your current account to a new or existing FlexDirect, FlexAccount or FlexPlus. Limited time only. Terms apply.More about our switch offerCheck if you’re eligible
[H2] Our everyday bank accounts
[H3] FlexDirect
Our self-service bank account that pays you to bank with us. Get 5% interest on your money and 1% cashback on debit card purchases for 12 months. Conditions apply.
No monthly fee More about FlexDirect
[H3] FlexAccount
Our everyday bank account. Bank your way.
No monthly feeMore about FlexAccount
[H3] FlexPlus
Our packaged bank account. Get worldwide family travel and mobile phone insurance, plus UK and European breakdown cover. Conditions apply.
£18 monthly feeMore about FlexPlusSee a full comparison of our everyday bank accounts
[H2] Join the Which? Banking Brand of the Year
Not only are we the 2025 Which? Banking Brand of the Year, we’re a Recommended Provider for current accounts too.
Choose one of our accounts and see why more people switch to us than anyone else. We share our profits with our members, are first in high street banking satisfaction and keep our branches open.*
[H2] Our other bank accounts
[H3] FlexStudent
Our student bank account. For those aged 18 or over. Apply for an interest-free arranged overdraft to help you manage your money at university. Conditions apply.
No monthly feeMore about FlexStudent
[H3] FlexOne
Our children's bank account. For 11- to 17-year olds. Earn interest and get help managing your money.
No monthly feeMore about FlexOne
[H3] FlexBasic
Our basic account. You might be eligible for FlexBasic if money problems or a limited credit history mean you do not qualify for our other accounts.
No monthly feeMore about FlexBasic
[H2] We make opening an account easy
Whether you’re opening an account today or switching, we keep it simple. And the experts at Moneyfacts agree. We’ve got a Five-Star Rating for making it as easy as possible to start banking with us.
[H2] Learn more about banking with Nationwide
[H3] Overdrafts
An arranged overdraft is designed for short-term borrowing. We’ll look at your circumstances to see if we can offer you one.More about overdrafts
[H3] Bank securely in our app
Our app is made to make managing your money simpler. Bank securely how you want, when you want.Get our app
[H3] Switch to Nationwide
There are lots of ways you can switch your bank account to us. Most people do a full switch using the Current Account Switch Service. It's a free service and will complete in just 7 working days.More about switching bank account
[H2] What membership means
With a choice of accounts, rewarding offers, and support when you need it, we aim to make a difference to our members’ lives every day. Especially when you have your main current account with Nationwide. Learn more about membership
[H2] Current accounts help
Have a current accounts query? Search here or use our quick links to common queries.Quick links:How to open a bank account onlineGuide to credit scoringPay into your Nationwide current accountHow to change your Nationwide current accountMake payments from your current accountAll current accounts help
[H2] Looking after your money
We're committed to keeping your money safe. And as well as the security you get from us, you're also protected by the Financial Services Compensation Scheme (FSCS).
This means the money across all your Nationwide and Virgin Money accounts is covered up to £120,000 per eligible person (or a combined £240,000 for joint accounts). This applies if we're unable to meet our financial commitments or stop trading.More about the FSCSPDF, 737KB (opens in a new window)*‘More people switch to us than anyone else’ refers to Pay.UK quarterly Current Account Switch Service data, 12 months to January 2026, gross and net gains, based on the latest available data.
’Share our profits with our members’ refers to our Fairer Share payment. Each year since 2023, we’ve paid £100 to eligible members with a qualifying current account and a qualifying mortgage or savings. It's our intention to make a payment every year, but this will depend on how we perform financially. We may change the amount and the eligibility criteria based on that performance. See the eligibility criteria for the 2026 Fairer Share Payment.
‘First in high street banking satisfaction’ refers to ‘Best high street banking provider for customer satisfaction’ in the building society and banking sector, as reported by The UK Customer Satisfaction Index (January 2026) published by The Institute of Customer Service. Of the 18 banking providers included, our high street banking peer group consists of banking brands with their own branches (excluding hubs and the Post Office).
‘Keep our branches open’ refers to our promise to keep every one of our branches open until at least the start of 2030. Excludes circumstances beyond our control. Branch opening times may vary. Learn more about our Branch Promise.

[H1] Savings accounts and ISAs
Compare Nationwide savings accounts, ISAs and children’s savings accounts to open the best savings account for you. Discover the best interest rates we have available.Compare all savings accounts and ISAs
[H2] We save our best rates for our members
Open a Member Exclusive Bond and get our best available fixed savings rate.
5.00% AER/gross a year (fixed) for 15 months on balances up to £10,000. Limited time only. Only for Nationwide and Virgin Money customers with a qualifying account. Terms apply.Get the Member Exclusive Bond
[H2] Explore Nationwide savings accounts
Instant access savings accountsLimited access savings accountsFixed rate savings accountsCash ISAsChildren's savings accounts
[H2] What are ISAs and savings accounts?
[H3] Cash ISAs
The main difference between a savings account and ISA is that with cash ISAs, you earn tax-free interest.
ISAs allow you to maximise your interest without the tax burden.
This tax year, you can pay in up to £20,000 across your ISAs. This is your ISA allowance. Only the money you have deposited this tax year counts towards your allowance: the interest you have earned and transferring an ISA that holds money you saved in a previous tax year do not count.
Learn about and compare Nationwide cash ISAs
[H3] Savings accounts
Savings accounts help you save money safely and securely for when you need it most. They are not for day-to-day spending.
You deposit money and earn interest based on your interest rate. Most Nationwide savings accounts pay interest yearly.
You can choose how flexible you want your savings to be with instant access, limited access and fixed rate accounts.
Compare all Nationwide savings accounts
[H2] How do you compare savings accounts to find the best one?
[H3] Consider your savings goals
Easy and limited access savings accounts could be ideal for short-term goals like holidays. For long-term savings goals, like house deposits, you could get a higher interest rate on a fixed rate account.
[H3] Check the account features and interest rate
With a high interest savings account, you can earn more on your savings, while the minimum deposit could mean you can apply with as little as £1.
[H3] Choose how you access your money
You could get a better interest rate by limiting access to your money, while easy access accounts often have a lower interest rate but you can access anytime in case of emergencies.
[H2] Frequently asked questions
[H3] What is the best savings account?
The best UK savings account for you is the one that:
meets your personal savings goals
allows you to bank how you like
As well as our safe and secure app, we made a Branch Promise. We know how important our branches are. So we’ve promised to keep every one of them open until at least the start of 2030. There may be circumstances beyond our control that mean we have to close a branch. Or relocate it in the same town. We’ll only do so when there’s no other option.
We also understand that many customers want high interest savings accounts. We regularly review our interest rates to ensure we are competitive. As a building society, we were set up to help people save money and buy homes. We work by lending the money that members save with us to members who borrow from us. Because of the way we work, we need to balance the interest rates we give our savers with the rates we charge our borrowers. We also need to cover our running costs. You can compare our interest rates to find the best savings rates available today.
[H3] Can you open a Nationwide joint savings account?
Yes, we offer several joint savings accounts and savings bonds.
More about joint savings accounts
[H3] What is an instant access savings account?
Instant access savings accounts offer easy access and allow you to withdraw funds anytime without reducing your interest rate.
Instant access savings accounts often come with variable interest rates and may have a lower interest rate than limited access and fixed term savings accounts.
These savings accounts might suit you if you want to always be able to access your money, just in case.
More about instant access savings accounts
[H3] What is a limited access savings account?
Limited access savings accounts allow you to make a certain number of withdrawals without reducing your interest rate.
For example, with a triple access savings account, you can take money out up to 3 times a year while keeping your interest rate the same.
These accounts will often give you a better interest rate than instant access savings.
More about limited access savings accounts
[H3] What is a fixed rate savings account?
Fixed rate savings accounts are for those who want to deposit a lump sum for a certain length of time and get a fixed interest rate.
The interest rate is fixed for the term of the account and is often higher than that of instant and limited access savings accounts.
With some fixed rate accounts, if you withdraw money before the end of the term, you will have to close the account and pay an early access charge. With others, you cannot withdraw money until the end of the term.
More about fixed rate savings accounts
[H3] How does the ISA allowance work?
[H4] Only your deposits count
Your annual ISA allowance is shared between all your ISAs, across all providers. This means you can pay in up to £20,000 across your ISAs this tax year, whether they are with Nationwide or another provider.
The interest you earn does not contribute to your allowance. For example, if you have earned £50 of interest this tax year, you do not now only have £19,950 left of your £20,000 allowance.
Also, if you follow the correct transfer process to transfer a non-Nationwide ISA to us, only the money you have paid into your ISAs this tax year will count towards your annual ISA allowance. Money saved in previous tax years and the transfer itself will not also count.
More about ISA transfers
[H4] Some of our cash ISAs are flexible
This means you can replace any money you take out during a tax year without it counting towards your allowance, as long as you pay it back in during the same tax year.
So if you pay £50 into your Nationwide ISA, then take out £10 and pay in another £10, we will only count this as £50 towards your £20,000 ISA allowance.
[H4] You can have a portfolio ISA with Nationwide
When you open more than one cash ISA product with us, we create a 'portfolio cash ISA'. This keeps all your products together as a single cash ISA.
The portfolio means you get more control of your savings. You can spread your ISA allowance across any Nationwide ISA products and track how much you have used in our app. You will also get a unique account number for each of your ISA products. So you can choose which ISA to deposit your savings into. For example, you could pay part into a fixed rate ISA, for a guaranteed savings rate, and part into a limited access ISA, so you can dip into your savings if you need to.
Some of our 'standalone' cash ISAs are excluded from the portfolio. For example, our CTF Maturity ISA. The product terms and conditions will say if a cash ISA is standalone.
[H3] Do you pay tax on the interest you earn?
[H4] You have a Personal Savings Allowance
When you save, you may have to pay tax on the interest you earn on your savings.
As a saver, you have a Personal Savings Allowance. This is the most you can earn in interest on your savings before you're taxed.
How much your allowance is depends on the rate of income tax you pay. For example, basic rate taxpayers can earn up to £1,000 in tax-free interest each year.
[H4] ISAs are tax-free
With a cash ISA, all the interest you earn is tax-free.
More about the Personal Savings Allowance
The tax information provided is based on our understanding of current law and HM Revenue & Customs practice, both of which may change.
[H2] Compare all Nationwide savings accounts and ISAs
Explore our range of savings accounts, ISAs and bonds to find the best account for you today.Compare all savings accounts and ISAs
[H2] Why save with Nationwide?
[H3] Member-only products
We have a range of products we keep just for our members. They include savings accounts, credit cards and loans.
[H3] Our Savings Promises
We have 7 promises to make things fairer for our members. For example, we promise we won’t offer ‘brand new customer only’ savings accounts.
[H3] Stay up to date with our savings accounts
Sign up to SavingsWatch and we’ll let you know whenever we change our rates or bring out a new savings account.
[H3] Our Branch Promise
We’ve extended our Branch Promise. All 605 of our branches will remain open until at least the start of 2030. More on our Branch Promise.
[H2] Help for customers
If you already have a Nationwide savings account, we are here to support you.Quick links:Check your savings interest rateHow to pay money into your accountHow to withdraw money from your accountSavings account interest rates explainedAll savings and ISAs help
[H2] Looking after your money
We're committed to keeping your money safe. And as well as the security you get from us, you're also protected by the Financial Services Compensation Scheme (FSCS).
This means the money across all your Nationwide and Virgin Money accounts is covered up to £120,000 per eligible person (or a combined £240,000 for joint accounts). This applies if we're unable to meet our financial commitments or stop trading.More about the FSCSPDF, 737KB (opens in a new window)

[H1] Mortgages from Nationwide
Whether you’re a first time buyer or looking for a better deal, we can help you find a mortgage that’s right for you.
If you already have a mortgage with us, log in to your account, find out how to switch deal or get help here.
[H2] Find a mortgage that's right for you
Our range of mortgages covers different borrowing needs.First time buyerSwitch your existing dealMoving homeBorrow moreChange lender to NationwideBuy to let
[H2] We’re Which? Banking Brand of the Year
Not only are we the 2025 Which? Banking Brand of the Year, we’re a Recommended Provider for mortgages as well.
Whatever your next move, choosing a Nationwide mortgage means joining millions who benefit from our value and excellent service.
[H2] Looking to get a mortgage with us?
Start with our mortgage calculators to see how much we can lend you and our available deals. Then, when you’re ready, get a Decision in Principle.
[H3] Mortgage calculators
Find out how much we can lend you, compare our available deals and see what your payments might be.All mortgage calculators
[H3] Get a Decision in Principle
A Decision in Principle confirms how much we can lend you. You’ll need one before you can apply for a mortgage with us. The process can take about 20 minutes.Get a Decision in Principle
[H3] Continue your application
If you’ve already started a mortgage application with us, continue it when you’re ready.Continue your saved application
[H2] Already have a mortgage with us?
Use our online Mortgage Manager to make changes to your account and check your mortgage balance. You can also apply to switch to a new deal, if you’re eligible.
If you need more information about switching, read our switching guide.
[H3] Base rate mortgage information:
Find out how the Bank of England base rate affects our Standard Mortgage Rate and Base Mortgage Rate. Our guide to the base rate could help you decide what to do.Get help with our guide to the base rate
[H3] Manage your mortgage online
Mortgage Manager is available in our app and internet bank.Log in to Mortgage Manager
[H3] Download our app*
And join over 7 million of our members. Safe, secure everyday banking made easier.
[H3] Our guide to switching deal
Find out how and when you can switch, if you need to pay a charge and more in our switching guide.See the switching guide
[H2] Important:
Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.
[H2] Worried about making your monthly mortgage payments?
If you’re struggling to make your monthly mortgage payments, our Home Support Hub tells you what options are available to help you reduce your payments.Get help at Home Support Hub
[H2] Mortgage help
Have a mortgage question? Search here, or use our quick links.Quick links:First time buyer's guideSwitching guideOverpayments guideChange your mortgage termSet up or change your Direct DebitAll mortgage help
[H2] Get rewarded for going green
We’re committed to more energy-efficient, greener homes.
That’s why we’re offering benefits for our members who are buying an energy-efficient home or want to borrow more for improvements towards a greener home. Eligibility criteria apply.
Our reward for buying a green homeMore on Green Additional Borrowing
[H2] More than just a mortgage - be a member too
When you have a mortgage with us you become a Nationwide member and part of something striving for mutual good.
Our first members came together over 130 years ago with the idea of pooling their money and helping each other buy homes of their own.
We are millions of members strong, still helping each other buy and stay in homes of our own, and still giving back to our communities.What being a member means

[H1] Personal loans
We offer loans between £1,000 and £50,000 over 1 to 7 years. Or up to 10 years if you borrow £10,000 or more. Conditions apply.
To apply, you need a Nationwide current account or savings account.
[H2] What you can expect from a loan with us
[H3] Fixed repayments
No hidden fees. Know exactly what you’ll pay each month.
[H3] Acceptance indicator
We’ll say if you're likely to be accepted before a credit check.
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[H3] What do APR, Representative and fixed mean?
[H4] APR
APR stands for Annual Percentage Rate. It's the yearly cost of a loan including interest and fees, as a percentage of the loan amount. We don't charge fees on loans, so your APR will be the same as your interest rate. Usually, the lower the APR is, the cheaper the loan will be.
[H4] Representative
Representative means it's the APR we give to at least 51% of our customers. A representative rate helps you compare lenders, but the actual rate you get will depend on your own circumstances.
[H4] Fixed
Fixed means your interest rate won't change for the length of the loan. So the amount you pay each month will always be the same.
[H3] Choosing the right loan
With some small changes, you could get a better interest rate and save money. Like borrowing a bit more or less than you need, or over a longer or shorter time. It's worth checking. Even a small change can make a big difference to the overall cost of the loan.
Use our loan calculator to try out different loan amounts and lengths. And if you get a personalised quote later, you can change the amount and length and get as many quotes as you need. And you can always go back to your original quote if that one was better.How to choose the right loan
[H3] Loan terms longer than 5 years
Our calculator can only give you estimates for terms of up to 5 years. If you want a term of up to 10 years (our maximum term), you'll need a personalised quote.
If you're borrowing between £1,000 and £50,000, you can get a quote for terms up to 7 years. For terms up to 10 years, you need to borrow £10,000 or more.
[H2] What is your loan for?
[H3] Buying a car
Own a car from day one by having the money upfront.Car loans
[H3] Improving your home
From new furniture to renovating, spruce up or add value to your home.Home improvement loans
[H3] Combining your debts
Help get your finances back on track by combining your debts.Debt consolidation loans
[H3] Getting married
Big or small, a loan could help pay for your special day.Wedding loans
[H3] Going on holiday
Spread the cost of your next break, whatever your plans.Holiday loans
[H3] Getting a joint loan
Share the repayments with your partner, a relative or a friend.Joint loans
[H2] Frequently asked questions
[H3] What is a personal loan?
A personal loan is one way to borrow money. You borrow a lump sum and pay it back with interest over an agreed period of time. The amount of interest you pay depends on how much you borrow and how long you take to pay it back.
[H3] What can a personal loan be used for?
You can use a loan to make a big one-off purchase like a car, pay for events like holidays or weddings, or pay off debt.
You can’t use a personal loan for:
a business or business vehicle
buying property, including mortgage deposits
buying or keeping an interest in land
a bridging loan
investing or speculative purposes, like gambling and cryptocurrency.
[H3] How much can I borrow?
We offer loans of between £1,000 and £50,000. You can choose to repay it over 1 to 7 years, or up to 10 years if you borrow £10,000 or more. The maximum we’re able to lend you will depend on how long you want to borrow for and your credit history.
[H3] How do I apply for a personal loan?
First, use our loan calculator. It will give you an idea of the interest rate and monthly repayments you could get. Then when you’re ready, you can start your loan application.
As part of your application, we’ll give you a quote. The quote will be based on the information you give us, so it will be just for you. You can then decide if you want to continue with the application. Getting a personalised quote doesn't affect your credit rating.
[H3] Can I repay a personal loan early?
Yes, if you want to. You can:
make loan overpayments to pay it off quicker. Overpayments are one-off payments on top of your regular monthly payment
pay off the rest of the loan in one go. You’ll need to ask us for a settlement figure because we need to work out the interest left to pay
There’s no charge for making overpayments or paying off the loan early.
[H3] Can I get a personal loan if I have a bad credit history?
It depends. When you apply for a loan, you'll need to agree to a credit check. We use that to decide if we're able to offer you the loan. We'll tell you what our decision is and whether or not we can accept your application.
[H2] Borrowing with Nationwide
[H3] Borrow more
Already have a Nationwide loan? You can apply to borrow more. You can’t borrow more than £50,000 in total.Borrow more on your personal loan
[H3] Is a loan right for you?
A personal loan might not be the best way to borrow the money you need. There could be a more suitable option for your situation.Current account overdraftsExplore our credit cardsBorrow more on your mortgage
[H2] Support with the cost of living
[H3] Get help with debt
If you’re struggling, we want to get you to the right place and work through it together.Managing your moneyHelp with money worries
[H3] We’re a responsible lender
We have a responsibility to you, our members, to be open and honest, to treat you fairly, and to be safe and secure.Learn about responsible lending
[H2] Help for customers
Have a personal loans query? Search here or use our quick links to common queries.Quick links:Make a personal loan overpaymentPay off your personal loan earlyProving your incomeUse our personal loan calculatorAll personal loans help