Major purchase
Appliances, furniture, electronics — get a fixed-rate loan instead of high-APR store credit.
Why a Nationwide loan for major purchase.
Start with a specialist call. Fixed rates from 8.99% APR. Zero origination fees. Funds in your bank as soon as the next business day. We don’t pull your credit just to give you a quote — a specialist reviews your details first and walks you through your real options.
Fixed monthly payment
One predictable bill, never higher than the day you signed. Compare that to a credit card that re-prices itself.
$0 origination fees
What you borrow is exactly what you pay back, plus interest. Zero hidden costs at any step of the process.
Funded next business day
From the moment your specialist gives the green light, funds land in your bank account as soon as the next business day via ACH.
How a personal loan covers a major purchase
For appliances, furniture, or electronics, the real choice is usually between store financing and a fixed-rate loan. Store cards often advertise zero percent for a window, then apply deferred interest to the whole balance if any of it remains. A personal loan has one fixed rate from day one and no deferred-interest trap.
The money goes to your account, so you can buy from any retailer, combine a few purchases into one loan, and negotiate as a cash buyer instead of opening a store card at the register. Shorter terms keep you from paying for a couch long after you have stopped noticing it.
A $6,000 purchase on a 36-month term at 14.99% APR is about $208 a month, with nothing taken off the top and no penalty if you clear it early.
Common questions
Is store zero-percent financing better?
Only if you are certain to pay it off inside the promo window. Miss it and deferred interest can apply to the entire balance. A fixed loan is more predictable.
Can one loan cover several purchases?
Yes. The funds go to your account, so you can cover a few things at once up to your approved amount.
See your rate in dollars.
Slide to see the monthly at our best-case APR (8.99%, excellent credit). Final rate ranges 8.99%–35.99% based on your credit profile. No credit pull to estimate.
Find out in 2 minutes.
No credit pull at quote stage. A specialist walks you through your rate. Then you decide.
Check my rate