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Borrowing Options

There may be times when you need to borrow money, perhaps for a large purchase, to consolidate existing debts or simply for some short-term help. We have a number of borrowing options that may be suitable depending on what you’re looking for.

Overdrafts
For current account customers, an overdraft lets you borrow money for short periods. They can be expensive, especially if you use an overdraft without agreeing it with us first. Credit is subject to status, available to UK residents aged 18 or over. Terms and conditions apply. Learn more about our overdraft facilities 

Credit cards
If you want to use credit to make purchases, or want to transfer a balance from another provider, then a credit card could be right for you. Using a credit card can become expensive if you only make the minimum monthly payments or your rate changes because of the end of a promotional period. Credit is subject to status, available to UK residents aged 18 or over. Terms and conditions apply. Learn more about our credit cards 

Personal loans
Our personal loans allow you to borrow money over a longer period with a fixed repayment amount each month and the knowledge the amount borrowed will be paid off over the term of your loan. A personal loan can also be paid back earlier, in full or in part. Credit is subject to status, available to UK residents aged 21 or over. Terms and conditions apply. Learn more about our personal loans

Additional loans (for existing Santander mortgage customers)
If you have a mortgage with us, you could consider borrowing money secured against your home in the form of an additional loan. You will need to talk to a mortgage adviser if you're considering this as an option. All applications are subject to status and our lending criteria. Learn more about additional loans

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Debt consolidation

When considering debt consolidation, it's important to consider which one of the following is the most important to you:

  1. Reducing the overall cost of borrowing

  2. Lowering your monthly repayments

  3. Putting all of your existing debts into one monthly payment for convenience

Santander can't guarantee that these options will reduce your overall cost of borrowing. You need to consider the interest rates you’re currently paying and compare these with the options here, taking into consideration any other product benefits you may lose.

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