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Personal Loans


We offer personal loans for most purposes

Whether you want to drive off in a new car, improve your home or refresh your finances, a personal loan from Santander could help to make your plans a reality...

Rates from 3.5% APR on loans from £7,500 to £20,000 for 1|2|3 World and Santander Select customers.

Car purchase

New or used, get the vehicle you want

You might be buying your first car or upgrading to a newer model. Wherever you want to buy your car, a personal loan could provide an alternative to car finance.

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Home improvement

Why move when you can improve?

If you need more room but don't want the hassle of moving home, or if you're simply looking to upgrade with a new kitchen or bathroom, a personal loan could help bring your plans to life.

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Debt consolidation

Refresh your finances

Consolidate your outstanding credit cards, store cards, overdrafts and loans into one fixed monthly repayment with a personal loan.

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Special occasion

Make a special occasion truly memorable

Getting married or planning the trip of a lifetime, a personal loan could take you there.

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Your loan, your choice

A helping hand

You can apply for a Santander personal loan for reasons other than those listed here. Just get in touch and you could get a decision in minutes.

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Important Information

We have other borrowing options, such as overdrafts, credit cards, and additional loans for our existing mortgage customers. Learn more about our borrowing options

Representative Example
Loan amount of £10,000 with a monthly repayment of £181.85 over a loan term of 60 months at a rate of interest per annum (fixed) of 3.5%. This is equivalent to 3.5% APR Representative. Total amount repayable is £10,911.00

We will do a credit assessment of your circumstances when you apply. This will involve a credit search and may affect the interest rate we can offer. Repayments must be made by Direct Debit. Credit available subject to status to UK residents aged 21 years and over. We reserve the right to refuse any application and to refuse a loan for certain purposes. Rates may be withdrawn at any time. Information and rates correct as at 11.01.2016.

A Santander 1|2|3 World customer is someone who holds one of our 1|2|3 current accounts, 1|2|3 Credit Card (including additional card holders) or the 1|2|3 Mini Account (in Trust). Trustees are not classed as 1|2|3 World customers. All customers must meet the eligibility for each product and 1|2|3 World offer. Find out more about 1|2|3 World.

Frequently asked questions

  • If you apply online, we'll send you an email confirming our decision within a few minutes of you submitting your application.


    If your application is accepted you'll receive your loan agreement within 1-2 working days. You should sign and return this as soon as possible.


    If you don't receive your agreement documents within 2 working days please contact us on 0800 876 6386.


    When we receive your signed agreement, we'll deposit your funds into your nominated account within 1 working day.

  • The APR on all Santander personal loans is fixed for the duration of the loan term.

  • A credit search is a search made by us with a credit reference agency (such as Experian or Equifax) to assess your credit history. We use this information to help us decide whether we can lend you money.


    We search your name and all personal address details that have been provided by you in your application. A record of the search will be recorded on your credit file, which means that other lenders will be able to see that you’ve applied for a loan with us. This can be important as some lenders take a negative view of too many credit applications on your file. As part of your application, we may request a search from more than one credit reference agency and we'll also take into consideration how you manage any Santander accounts you have.


    A credit search uses the information in your application, such as:

    • your age

    • your job

    • any financial commitments you have

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Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.