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.


For current account customers, an overdraft facility lets you borrow money for short periods of time. We've made changes to how we charge for arranged overdrafts, and we’re removing unarranged overdraft fees. For more details visit our account changes page or our current account pages.

Learn more about overdrafts

Credit cards

You can use our credit cards for many things like; purchases, transferring balances, earning cashback or travelling abroad. However using a credit card can become expensive if you only make the minimum monthly payments or your rate changes because of the end of an offer. We have a range of credit cards that offer you different rates and features (such as cashback or special offers). 

We'll only give you a credit card if you pass Santander credit checks. You'll also need to be over 18. 

Learn more about our credit cards

Personal loans

Our personal loans allow you to borrow money over a longer period. You'll pay a fixed amount back each month and have the peace of mind that 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. 

We'll only give you a loan if you meet conditions that we set to make sure you can pay, and we'll ask you to make sure you make your repayments in the way we ask you to. 

Learn more about our personal loans

Additional loans (for existing Santander mortgage customers)

If you already have a mortgage with us and want to borrow £5,000 or more, you could consider an additional loan which will be secured against your home. 

Learn more about additional loans

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. 


We 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. For advice on debt consolidation, you can contact

Take a look at our videos containing tips on budgeting, borrowing and where to get help if you're struggling.


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