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It's important that you read and understand the information and documents below. If there’s anything that you don’t understand, then please contact us. Please tick the boxes to show that you want to proceed and check if you’re eligible for a loan.

Key Facts Documents and Terms & Conditions

You should read and consider these documents carefully before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader


Pre-Contractual Explanation

We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the Personal Loans Key Facts Document which can be accessed using the link above. You should also read this before you apply.


Is this personal loan right for your needs?

A personal loan is a fixed amount borrowed from us which is repaid in equal, fixed, monthly repayments over an agreed period of time. As long as you don’t miss any repayments, the loan is fully repaid at the end of the loan term.

A personal loan is more suitable for borrowing over a medium to long period of time.

Before applying you should check you can make each monthly repayment comfortably throughout the term of the loan.

There might be cheaper ways to borrow smaller amounts over a shorter period of time, such as a credit card or an overdraft.

What checks will we need to do if you apply for a personal loan with Santander?

If you apply for a personal loan we'll do a credit check on you. This helps us decide whether to accept or reject your application.

When you apply, please make sure any information you give us is accurate. We might reject your application if you tell us something that isn't true.

How much will you need to pay?

All monthly repayments will be for the same amount.

Your credit agreement will show how much you need to pay in total and each month, and when your repayments are due. We’ll send you a statement each year confirming the repayments you have made.

What happens if you don’t keep up with your repayments?

If you miss a repayment, we can collect the amount owed, including any interest, from other accounts you have with us. We’ll also report this to credit reference agencies who’ll record it on your credit file. This will affect your credit rating and might make it more difficult for you to borrow in future.

If you miss multiple repayments, we might take legal action against you. In the very worst case, we could ask a court to order that, if a property you own is sold for any reason, some of the money you get from the sale is used to repay what you owe us. We might also transfer your debt to a debt recovery company.

To avoid getting into this situation, please contact us if you’re struggling to keep up with your repayments.

Can I repay my personal loan early?

You can repay all or part of the loan at any time.

Take a look at your credit agreement if you’d like to find out more about repaying early.


Can you change your mind?

You have 14 days to decide if this is the right personal loan for you, starting from the day your loan account is opened.

If you decide you don’t want your personal loan anymore, you’ll have to pay back your outstanding balance. We won’t charge you any interest or fees during the 14 day period.

All credit is subject to status.

Before you apply, we'll check your chances of being approved for a loan. This check will not impact your ability to get credit elsewhere. You can then decide if you want to apply.

Once you submit your application, we'll do a credit check on you. This will leave a mark on your credit file which will remain for 12 months.