Borrowing options

No matter how hard you work, there might be times you need to borrow money from us. It could be to make a large purchase or to pay off your existing debts. Perhaps it’s to help you get through a short-term financial problem. We’ve got a few ways to borrow money that could suit your needs depending on what you’re looking for


For current account customers, having an overdraft 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. Visit our account changes or current account pages.

Learn more about overdrafts

Credit cards

Use our credit cards when you want to transfer a balance from another card, travelling abroad and more. A credit card can become expensive if you only make the minimum monthly payments. Or, if the promotional rate changes because you’ve come to the end of the offer. We have a range of credit cards with different rates, features and sometimes 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 until the end of the term. You can pay back a personal loan early, either in full or part.  

We'll only give you a loan if you’re able to 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 it comes to combining your debt to pay it off, it's important to think about what’s 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. And then, think about 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.


Money worries

We'll do our best to help you if you think you might be having financial problems

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