You are in

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, with personal loans from £1,000 to £25,000, we could help to make your plans a reality...

Please note, you must be an existing Santander customer to apply for loans above £20,000.

Rates from 3.0% APR on loans from £7,500 to £15,000 for new and existing customers.

123 World Offer Rates from 3.0% APR on loans from £7,500 to £25,000 for 1|2|3 World and Santander Select customers.


Debt consolidation

Refresh your finances

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

Find out more

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.

Find out more

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.

Find out more

Special occasion

Make a special occasion truly memorable

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

Find out more

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 within 24hrs.

Find out more

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 £179.51 over a term of 60 months at a rate of interest per annum (fixed) of 3.0%. This is equivalent to 3.0% APR Representative. Total amount repayable is £10,770.60.

Santander Personal Loans are available over terms of 1 to 5 years, with a maximum APR of 24.9%.

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 Rates may be withdrawn at any time.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 10.07.2018.

A 1|2|3 World customer is someone who holds one of our 1|2|3 current accounts or the 1|2|3 Credit Card (including additional 1|2|3 Credit Card holders). Trustees are not classed as 1|2|3 World customers. Customers must meet the eligibility for each product & 1|2|3 World Offer. Santander Select and Private customers also have access to 1|2|3 World Offers.

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 Santander and the flame logo are registered trademarks.