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Loans help and support

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Find answers to common loans questions here, along with guides and other useful information.

If you can't find the answer to your query, just give us a call. The best telephone numbers to contact us on for loans queries are below.

You can tweet us @SantanderUKHelp. We’re here to help, 7 days a week. Please don’t tweet your personal or banking details. We’ll never direct you to a webpage that asks you to share your personal details.

Frequently asked questions

  • Not necessarily. This is the representative rate we offer to the majority of people we offer loans to of this size.


    How your rate is decided
    When you apply we do a credit assessment. This will affect the rate we offer you which may be different to the representative rate.


    Get an idea of your loan repayments
    The loan calculator uses the representative rate to give you a guide as to what your repayments will be.
    Loan calculator


    Find out exactly what we can offer you
    You need to apply for a Personal Loan so we can do the credit assessment. This credit search will appear on your credit file. You’re under no obligation to take the rate we offer you.

  • You may repay the loan in full at any time before the final payment is due. Details of how to do this are in your agreement.


    We calculate your settlement figure by first determining your ‘settlement date’. For a Personal Loan of less than, or equal to, one year we work out your settlement date by counting forward 28 days from the date we receive your request to settle early. If your loan agreement is longer than one year we are allowed to calculate the settlement date by counting forward for a further 30 days or one calendar month. We will charge interest up to your settlement date.


    If you entered into your agreement with us on or after 11 June 2010, you are entitled to make a partial repayment of your Personal Loan.


    Upon making a partial repayment you can choose whether to either reduce the term of your loan or your monthly repayment amount.

  • Please contact our team of specialist PPI complaint handlers on 0800 171 2171. Lines are open 8.30am to 5.30pm Monday to Friday.

    It can help to have your PPI policy number to hand but we can find this for you if you don’t have it by using your name, date of birth and address at the time you took the policy out.

    We’ll take the details of your complaint and advise you of the next steps.

    To help us understand your complaint fully and process it quickly you can download and complete a PPI Questionnaire (pdf)

    If you’re unsure whether you have/had PPI
    We can confirm this if you call us on the number above. 

    View call charges

  • Call us or visit us in branch.


    Call us
    0800 028 4055, 8am to 9pm Monday to Saturday or 8am to 4pm Saturdays. View call charges


    In branch
    Find your nearest branch

  • For PPI policies taken out from 4 May 2009
    PPI policy document (pdf)
    PPI policy summary (pdf)


    To read these files you need to have Adobe Reader. Download a free copy of Adobe Reader

  • Can’t find what you are looking for? Find more on the loans FAQs page.

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.