Personal loan

Make your plans a reality with a personal loan. Our rates do not vary between loan purposes.

Personal loan calculator

I would like to repay this over

Maximum APR we could offer on a loan of £XX,XXX is 26.9% with a monthly repayment of £XXX and total amount repayable of £XX,XXX

The interest we charge varies between loan amounts. The amount you want to borrow may be close to one of the points where the APR (annual percentage rate) goes up or down. You might be able to reduce your monthly repayments, and total amount payable by slightly adjusting the amount you borrow.

The calculator is for illustrative purposes only. Your personal circumstances and the loan amount might affect the rate we offer. The maximum APR we could offer is 26.9%. You should make sure you’re able to make the repayments over the full term of the loan. We reserve the right to refuse any application. Information and rates correct as at 09/05/2024.

Get up to £500 home energy cashback

You could get cashback if you borrow from us to make energy-efficient home improvements using one of our trusted suppliers

Home energy cashback

Offer available to our mortgage and personal current account customers only. £250 home energy cashback if you borrow between £5,000 and £9,999. £500 home energy cashback if you borrow £10,000 or more. All loans are subject to status. Terms and conditions apply. Offer can be withdrawn at any time.

To apply for a loan

  • You must be aged 21 or over.
  • You must have a regular yearly income of £10,500+ for loans up to £19,999, or £20,000+ for loans between £20,000 and £25,000.
  • You must be employed, self-employed or retired.
  • You must live permanently in the UK.
  • You must have a good credit record and not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

All credit is subject to status.

Eligibility checker

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.

If you have Experian CreditLock or similar with another credit reference agency you'll need to switch it off before you 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.

What you can get

What could I use a loan for?



We are unable to lend for certain purposes. Take a look at our Key Facts Document (PDF - 221 KB) for more information.


Range of loan rates

This table shows the rates that you may get if you apply for certain loan amounts. The rate we offer you depends on your personal circumstances. The maximum APR we could offer you on any loan amount is 26.9%.

 New and existing Santander customers

Check to see if you’re eligible

Using our checker will give you an idea of whether we’ll accept you for a loan. It won’t leave a record on your credit file. This only happens when you apply. Using our checker won’t impact you getting credit somewhere else.

If our checker confirms that you might not be accepted for a loan, you may want to review your credit file. You can do this by contacting Experian, Equifax or TransUnion. You might also want to re-visit our own eligibility criteria.

Apply online between 6.30am - 11.30pm

You'll usually receive an accept, decline or refer decision by email within 5 minutes.

Apply online between 11.30pm - 6.30am

You'll receive an email with a decision by 7.30am.

Receiving a 'refer' decision

This means that we need our underwriting team to look at your application and we may need more information from you. You'll receive an accept or decline email within 2 working days of the additional information being provided.

If your application is accepted

You'll receive a further email with details of how to sign your loan agreement online.

Your loan code

Once your application is accepted we'll send you a code by first class post. You'll need to enter it online to release your loan funds

Receiving your loan

Once released, your loan funds will be in your chosen bank account within 2 working days.

Key documents

To view these documents, you may need to download Adobe Reader


Your loan repayments will be taken by Direct Debit each month. When you apply for a loan, you’ll be asked to choose a repayment date between the 1st and the 28th of the month. Your monthly repayment amount is fixed and won’t change during your loan. 

To change your repayment date, call us on 0800 876 6386. Changing your repayment date could mean that 2 repayments are taken within a 30-day period.

Annual loan statement

Every year on the date you opened your loan, you’ll be sent a statement confirming details of the repayments you’ve made.

Early repayment

You can make unlimited overpayments at any time before your final repayment is due or you can repay your loan in full. You can find out how to do this in your agreement.

Online and Mobile Banking

You can see information about your Personal Loan in both Online and Mobile Banking. If you’ve never used it before, you’ll need to sign up first.

Find out more about Online Banking
Find out more about Mobile Banking

Top up your loan

If you want to borrow more you can top up your loan. In this case your new loan will pay off your existing loan and you will continue to make one monthly repayment. You can only arrange this in branch or over the phone by calling us on 0800 028 4055.

Take another loan

You don’t have to pay off your loan to borrow more. You can keep your original loan and take out a second one, in this case you will have two separate loan repayments to make.

Early repayment

You can repay your loan in full or make overpayments any time before the final payment is due. Take a look at our repaying your loan early page to learn more.

Settlement figure

You can request a settlement figure by calling us on 0800 028 4055. We will send you a breakdown of the settlement figure including any charges associated with early settlement.

Have your borrowing needs changed?

Please speak to us in branch or call us on 0800 028 4055 as we can assess your borrowing needs and may be able to find a solution for you.

Online Banking

If you have a loan with us and nothing else, you may not have Online Banking. 

If you’d like to get Online Banking so you can manage your loan online, call us on 0800 028 4055 and we’ll help you set this up. 

Got a loan question?

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