Rating based on 41 reviews



  • Personal loans up to £20,000
  • Low-interest starting from 3%
  • Repayment up to 60 months

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Santander homepage

Author Santander. Screenshot of Santander website. [Accessed December 18, 2018]

About Santander

Personal loans are only one of the professional, expert financial services we offer.

With its heritage of three former building societies, Santander Uk offer retail and commercial banking and was established in 2004.

Santander UK provides a wide range of personal and commercial financial products to more or less 14 million customers. 

We offer expert support for our clients

Individuals and small businesses have access to reputable retail banking services through a network of branches and ATMs. Additionally, we also offer telephony, digital and mobile channels.

Personal and business banking services and products that are unparrallel to other leading credit providers is our business structure. Our services also include consumer finance services and commercial banking. 

Corporate banking services available

For our corporate banking clients, we offer specially-tailored financial services that cater specifically for the size, complexity or sophistication global corporate enterprises.

Value added banking services

Our value for our people, our customers, our shareholders and our communities is what drives our business model and makes us a leader in the UK's credit provider industry.

Assisting people and businesses prosper by providing needed financial support is what we aim to do.

Santander Services

One of the expert services we offer is that of personal loans.

If you are looking for a competitive personal loan from a reputable UK lender, Santander is ready to assist you.

Let us could help you reach your goals, whether you need a small or big personal loan.

Benefits of Santander personal loans

  • Flexible terms and loan amounts - Loan amounts range from from £1,000 to £20,000 over a repayment terms of one to five years.
  • Fast decision on loan approval - Within 24 hours, you will receive a response on your loan approval.
  • Fixed monthly repayment - You will have one, fixed repayment amount that is payable on a monthly basis.

Our repayment calculator has been designed to automatically calculate the cost of the loan your pesonal loan. Simply select the amount you wish to borrow and your preferred repayment option and you will have instant feedback on your personal loan costs.

These are our values

Customer loyalty - With innovative and a personal banking service, we always aim to maintain customer loyalty.

Financial assitance and guidance - We provide the financial tools and support to improve the financial wellbeing of our customers.

Simplicity is at the core of our corporate culture - Only the best service to our customers, at the best price for our shareholders will do.

Innovative banking solutions - Our innovatice banking focuses on mobile experience with technological innovation to stay ahead in the industry.

Santander Product Details

  • Loan Type Personal loans
  • Interest Rate from 3%
  • Loan Amount up to £20,000
  • Repayment 1 year to 60 months

Benefits of Santander

  • Get a decision in 24 hours
  • Overpay your loan at no extra charge
  • Apply quickly online

We are your preferred personal loan provider

Applying for a personal loan should be straightforward, quick and easy.

In order to apply for a loan with Santander, we require that you meet the following minimum requirements.

What are the minimum requirements?

  • Our personal loans are available to UK residents 
  • To apply for a loan, you must be over the age of 21 years
  • You are required to earn a regular gross annual income of at least £6,000
  • If you have not been declared bankrupt or had a CCJ or an IVA within the last six years, you can apply for a personal loan.

Do you want to apply for a personal loan?

If you would like to apply for a personal loan, simply contact us or visit your nearest Santander branch. If you have online banking, you might have a loan offer waiting for you. Scroll over to your 'My Offers' section as you may have a special offer waiting.

Personal loans are flexible

A personal loan is a loan that is repaid in fixed monthly instalments over an agreed upon repayment term. Personal loans are easy to apply for and offer consumers the most flexibility.

We have an early repayment option

Repay your loan early, if you wish. One of our friendly consultants for more information on early repayment of your personal loan.

Santander cares about you!

Not only are we a reputable and trusted lender in the UK but we have shown our consistency over the years backed by leading skills, knowledge and innovation. We support our local communitues to ensure we give back and to show our appreciation for the support of our customers.

man holding thumbs up

Santander is a trusted & reliable provider of personal loans

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 106054

Customer Reviews & Testimonials

They offered me so much more than just a loan! The service and attention I received were out of this world.

Dannie M
— Peterborough —

Fairly priced loans with reasonable fees and repayment terms.

Amaris W
— Iverness —

Santander Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 10:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed