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Santander Personal Loan review
With Santander, you can get an unsecured personal loan up to £20,000 even if you aren’t already a customer. Loan amounts between £1,000 and £25,000 starting from 6.2%.
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Santander UK is a subsidiary of Banco Santander, the Spanish global banking group founded in 1857 and now serving around 125 million people in 10 main countries. It’s been in the UK since 2004, where it currently has around 14 million customers.
Whether you’re looking to consolidate your debt, replace your old cranky car or plan a special holiday to the Caribbean, Santander personal loans offer competitive interest rates, zero fees and, in most cases, an immediate decision on your application.
Existing customers, depending on their status, can get up to £25,000. You may also be able to get exclusive rates if you are a 1|2|3 World or a Santander Select customer.
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Key details
| Loan type | Unsecured Personal Loan |
|---|---|
| Loan amounts | £1,000.00 to £25,000.00 |
| Loan terms | 1 Year to 5 Years |
| Loan rate type | Fixed |
| Product fee | 0% |
| Same-day funding available | |
| Same-day funding note | Available in branch. |
| Instant decisions in most cases | |
| Soft-search facility available | |
| Joint applications | |
| Overpay without penalty | |
| Concurrent loans allowed | |
| Topping-up pays off existing loan and initiates a new loan | |
| Repayment methods | Direct Debit |
Am I eligible?
| Available to | New or Existing Customers |
|---|---|
| Age | 21 or over |
| Credit profiles | Good |
| Acceptance note | £1,000 - £19,999 – annual income of £10,500+ £20,000 - £25,000 – annual income of £20,000+ |
How do I apply
Whether you already have a bank account with Santander or you are a new customer, you can apply in two main ways:
- Online. You can apply directly from Santander’s website. It shouldn’t take more than 10-15 minutes and you won’t need to get up from your sofa. Just make sure you read the fine print carefully before completing the application.
- In branch. If you’d rather sort your loan out in person, you can either pop-in to the nearest Santander branch or book an appointment online. Booking in advance is usually better – you won’t waste any time waiting for a staff member to become available.
In both cases, be prepared to provide three years of address history, details of your financial situation and income (including details of your employer), and the bank account number and sort code from which you want the monthly direct debits to repay the loan to be taken from.
How do I get in contact with Santander’s customer services?
You can contact customer support by clicking on the ‘Chat with us’ function on their website or you can call Santander on 0800 028 4055. Lines are open on Monday to Friday from 8am to 8pm and on Saturdays from 8am to 4pm. The line is closed on Sundays.
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Santander Personal Loan review
Existing Santander customers can borrow up to £25,000 at a competitive interest rate. We look at how Santander personal loans work and their features.