Getting a Santander personal loan? Say no more—you can find everything you need to know and use here.
We understand that getting loans can be confusing without the right information. That’s why we wrote a guide and built a Santander personal loan calculator. Use them to determine your estimated monthly repayments.
Terms from 1 to 10 years. Representative example: 5 year £10,000 loan with comparison rates from 2.8% to 49.9% APR would cost between £10,728 and £27,321, including fees. The interest can vary between £728 and £17,321.
About Santander: An overview
Santander is one of the biggest retail and commercial banks in the UK. They offer personal, private, select, corporate, and business banking services.
If you have an urgent borrowing need for a one-time purchase, you may choose from their personal banking products. They can provide car loans, home improvement loans, debt consolidation loans, special occasion loans, and personal loans.
Are you an existing Santander customer with a mortgage? You may borrow an additional loan of more than £5,000, which will be secured against your house.
Santander personal loans
You can use Santander personal loans for:
- Buying a vehicle
- Doing home renovations
- Spending on special occasions
- Repaying consolidated debts
Santander personal loan features
- Free unlimited early repayments
- Repayments can last from 1 to 5 years
- Fixed repayment amount until the end of the loan
- Maximum Annual Percentage Rate (APR) of 24.9% on any loan amount
- Loan range differs for new customers (£1,000 to £20,000) and existing customers (£25,000)
How to apply for a Santander personal loan?
You’re eligible if you:
- Are 21 years old or over
- Are a permanent resident in the UK
- Earn an income of £7,500+ every year
- Can send repayments by Direct Debit
- Haven’t been declared bankrupt, had a County Court Judgment (CCJ) or an Individual Voluntary Arrangement (IVA) in the past 6 years
Application requirements
- Email address
- Monthly income and monthly outgoings
- Employer’s details — address, postcode, and phone number
- Address history — your addresses for the last 3 years (including postcodes)
- Bank or building society account details — sort code & account number for the Direct Debit
Santander personal loan calculator
EST Monthly Repayment
12 months
to 60 months
EST Monthly Repayment
£15,001
to £20,000
You are eligible if youre 21 or over and live in the UK permanently, you have a regular yearly income of £6,000+, you are able to make your repayments by Direct Debit, and you havent been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status and credit checks.
Repayment Period
12 months
to 60 months
Loan Amounts
£7,500
to £25,000
Paying off your debt using a Nationwide loan could give you the chance to take control of your finances.
Repayment Period
12 months
to 60 months
Loan Amounts
£7,500
to £15,000
You are eligible if youre 21 or over and live in the UK permanently, you have a regular yearly income of £6,000+, you are able to make your repayments by Direct Debit, and you havent been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status and credit checks.
Repayment Period
12 months
to 96 months
Loan Amounts
£15,000
to £25,000
Make your plans a reality with a personal loan with fixed monthly payments, an instant credit decision, quick access to funds and no arrangement fee.
Repayment Period
24 months
to 60 months
Loan Amounts
£15,000
to £24,999
When it comes to putting your plans into action, its personal. And with a personalised loan just a few clicks away, getting things moving could be simpler than you think. Get your loan rate before you apply without it affecting your credit score.
BestLoanRates.co.uk provides factual information in relation to financial products. While BestLoanRates.co.uk attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and, to the best of our knowledge, is correct at the time of publishing. The information published on BestLoanRates.co.uk is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with BestLoanRates.co.uk. BestLoanRates.co.uk recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information, please see BestLoanRates.co.uk's Terms of Use.
Minimum and maximum loan periods vary between 1 month and 10 years. APR varies between 2.80% and 71.30% p.a. Total interest repayments vary between £435 and £1,019 over the life of the loan. *APR is based on an unsecured loan of R£15,000 for a term of 3 years. WARNING: This APR is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different APR. These rates can change without further notice. All rates quoted are per annum.
