Santander Loans

Compare Santander Loans

Whether you're looking to consolidate existing debts, make home improvements, or to borrow money for a new car, wedding, or other big purchase, Santander loans could offer a competitive deal. Before you decide if Santander loans offer the best value for your needs, compare a range of other loan deals using the table below:

Featured Loan Deal - Santander Personal Loan
ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £20,000Good Credit Only3.44%

APR
Representative

(£7,500-£15,000)

1 to 5 YearsGet Quotes >

ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £25,000Good Credit Only3.00%

APR
Representative

(£7,500-£25,000)

1 to 7 YearsGet Quotes >
  • Fixed monthly repayments, for the duration of your loan
  • Simple online application and instant decision in most cases
  • No arrangement or set up fee
  • Make additional payments or pay off your loan early with no charges
  • Must have been a UK resident for at least 3 years
  • Must be over 21 and no older than 70 when the loan term ends
  • Must be employed with a salary of £12,000 or over (if you are self-employed, you must have been employed for a minimum of 2 years)
  • Must have a UK based bank or building society account that can pay direct debits

Representative Example: The Representative APR is 3.0%. Based on an assumed loan amount of £7,500 over 60 months at an interest rate of 3.0% p.a. (fixed). Monthly repayment £134.63 & total repayable £8077.80.

£1,000 to £20,000Good Credit Only3.04%

APR
Representative

(£7,500-£20,000)

1 to 5 YearsGet Quotes >
  • PERSONAL LOAN DEAL (unsecured)
  • One fixed monthly repayment: Know what you’re paying and when you’re paying it
  • Instant Online Decision
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Must have an annual income of over £6,000
  • Permanently resident in England, Wales, Scotland or Northern Ireland
  • Provided by Santander UK Plc

Representative Example: The Representative APR is 3.04%. Loan amount of £10,000 with a monthly repayment of £179.68 over a loan term of 60 months at a rate of interest per annum (fixed) of 3.04%. This is equivalent to 3.04% APR Representative. Total amount repayable is £10,780.80.

£2,500 to £15,000Good Credit Only3.2%

APR
Representative

(£7,500-£15,000)

2 years to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.2%, so if you borrow £7,500 over 3 years at a rate of 3.03% p.a. (fixed) plus an arrangement fee of £30, you will repay £218.94 for 36 months and £7,881.84 in total.

£1,000 to £20,000Good Credit Only3.44%

APR
Representative

(£7,500-£15,000)

1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • Instant Online Decision
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Permanently resident in England, Wales, Scotland or Northern Ireland

Representative Example: The Representative APR is 3.4%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.4% p.a. (fixed). Monthly repayment £181.41 & total repayable £10,884.60.

£1,000 to £25,000All Credit Histories Considered14.9%

APR
Representative

1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £5,000Fair & Poor Credit59.9%

APR
Representative

1 to 3 YearsGet Quotes >
  • Know if you'll be accepted before you apply
  • Applying won't affect your credit score
  • No fees charged
  • Borrow more later, if you're eligible
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 59.9% (fixed). If you borrow £2,000 over 2 years at a rate of 59.9 p.a (fixed), you will repay £131.05 per month & £3,145.20 in total.

£1,000 to £20,000All Credit Histories Considered99.90%

APR
Representative

1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% (fixed) - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

Santander personal loans feature

 

  • Borrow from £1,000 to £20,000
  • Repayment periods of 1 to 5 years
  • No arrangement or set up fee

 

To be eligible for Santander loans you must

 

  • Be at least 21 years old
  • Permanently live in the UK
  • Have a regular income of at least £6,000 a year
  • Not have been declared bankrupt, had a CCJ or IVA in the last 6 years
  • Not be intending to use the loan for the purchase of property or land, payment of utility bills, payment of tax demands, gambling or to fund any illegal activity.

 

Santander loan calculator

 

If you are interested in Santander loans, then you may wish to use the Santander loan calculator to get an indication of how much a personal loan from them might cost you. You just need to enter how much you would like to borrow and set your desired duration of the repayment period; the Santander loan calculator will then generate an estimate for you using the lenders Representative Annual Percentage rate for a loan of that size.

 

It is important to consider however that if you proceed and apply for a Santander loan and you are accepted they may offer you a different APR and hence the amount you are expected to repay is different. This is because a lender may tailor the APR they are willing to offer a borrower once they have reviewed their credit score and other financial information.

 

Before you apply for a loan

 

Before you take out a loan it is a good idea to shop around and compare the market to try and find the most suitable choice for you. Consider what features are important to you, remember that there is a diverse range of loans available from a variety of lenders. You could use the comparison tables above to look at loans from various providers.

 

You may also want to consider alternative options to borrowing. For instance if you already have the required funds in your savings you may wish to consider using these instead, it might be that any interest you earn from your savings would be less than the rate of interest you would be charged on a loan of the same size.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.