Rating based on 27 reviews



  • Loans Bad Credit up to £20,000
  • Low-interest starting from 24.9%
  • Repayment up to 60 months

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Author Santander. Screenshot of Santander website. [Accessed May 17, 2020]

About Santander

When we opened this operation, we wanted customers to find a credit provider they can trust without being asked too many questions.

For us, we are a credit provider that seeks to help clients that are looking for bad credit loans as opposed to turning a blind eye. A lot of times, lenders think the reason a customer has been put under the bad payer records is exactly that – he has been a bad payer. This is not always the case; there are a number of reasons that could have amounted to a customer failing to meet his monthly payments.

Why was I not eligible for a bad credit loan?

The reasons will always vary but the common reason that could make a client get a rejection notice on an online loan application is that they don’t meet our credit requirements. The customer needs to be 18 years and older to apply.

At this age, we believe you are old enough to understand everything that has to do with your financials. Having a UK permanent residency is also prerequisite. The client has to be employed and should earn a decent salary otherwise; you will not be able to afford the loan you are applying for.

When will I know about the loan outcome?

At Santander, we believe in fast response time on quick loan applications. We are aware that most customers usually want to make use of the money right away and that is why you will get an answer before the end of the business. This means if your loan in the morning, by the end if the same day, you will know whether your application has been approved or not. We will give you reasons why your credit request was declined. There is also nothing stopping you from applying again once you have paid some of your credit plans.

Santander Services

If you have the money within your disposal and you would like to settle your personal loan before the required date, you are more than welcome to do so.

This shows a great deal of commitment on our side and we wouldn’t have any problem loaning you money in the future if you are committed to paying your debts before time.

How can I increase my chances of getting the green light?

While it might seem like a cliché, the only weapon that can help you when you are looking for credit is to minimize having too many bad credit loans.

Pay them off as soon as possible and refrain from applying for credit unless there is really a need. Not everything is important and once you learn to differentiate between a need and a want, you are on the right track.

Making use of the Santander loan calculator

The calculator will give you an approximate figure of how much you can borrow and how much you would be due to pay. Making use of the calculator will give you an accurate figure of how much you really need and the interest charges that come with that long or short term loan amount.

There are a number of customers who have made use of the loan calculator and changed the amount they were going to borrow after seeing the interest charges. This is the reason why we urge clients to use this system because it helps you put things into financial perspective.

Santander Product Details

  • Loan Type Loans Bad Credit
  • Interest Rate from 24.9%
  • Loan Amount up to £20,000
  • Repayment 12 months to 60 months

Benefits of Santander

  • Settle your loan early at no extra charge
  • Apply quickly and conveniently online
  • Get a decision in 24 hours

Our loans are convenient, flexible and fast

After your loan application has been approved, you will sign a payday loan agreement that will outline your role and responsibility as the client.

It is important that you adhere to all the terms and conditions set out in the contract because failure to do will result in having interest charges on your online loan as well as getting a bad credit record. If you are not certain that you will always have the money to pay for your loan, it is best that you don’t apply for credit.

Meeting the privacy policy requirements

Everything that is decided upon you as the client and the agent at Santander is private and confidential. No information will be shared with anybody else. We keep all your details safe on our database. It makes things easier for us when you come to apply for another one of our loans for bad credit in the future. All we require is your bank statements and any changes you may have had since the last time you applied for credit.

Would you like to make an appointment with one of our agents?

If you would like to meet with one of our consultants, you are more than welcome to give us a call. The reason we say that a lot of things can be finalized via phone call or email us so that we don’t make things too difficult for customers who can’t get free time from their designated workplaces. If you have some time to spare and want to come directly to us for any enquiries you might have, please free. Our job is to help customers do things better with a little guidance from Santander.

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Santander is a trusted & reliable provider of loans bad credit

In our review, Santander 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.

Santander is a registered credit provider in the UK; FCA number 310069

Customer Reviews & Testimonials

I get to choose my loan term and the interest rates are very affordable.

Jasper C
— Leeds —

I'm not one for online business I prefer looking a person in the eye when I am dealing with them. That is why I like Santander so much, I can walk into one of their branches and be met with a per...

Harlan H
— London —

Santander Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed