Personal Loans

Turn your plans into reality with a personal loan. Whether it's for home improvements, a new car, or simply tidying up your finances, our personal loan could help get your plans off the ground sooner than you think.

Representative Example

With our flexible personal loan you can:

  • Choose your loan amount - whether your plans are big or small, we have a loan to suit you.
  • Choose your payment term from 12-60 months - so you can make it more affordable for you.
  • Choose your payment date between 1st and 28th of the month - so you can find a date that's the most convenient for you.
  • Benefit from fixed payments for the life of your loan - so you'll always know exactly how much you'll pay each month.

Internet Banking customers may have a guaranteed rate offer. Please check 'My Offers' within Online Banking.


Existing Santander Personal Loan Customers

You have two options when taking out a new loan. You can either:

  • Top up your original loan with a new loan, so the first loan is paid off with your new loan and the remainder is paid into your bank account - that way you only have one monthly repayment. Please call us on 0800 028 4055* to arrange; or
  • Keep your original loan going and take out a second loan for the amount you want to borrow - that would mean you have two monthly payments. Apply online today and you could get a decision in minutes.


The rate you will pay depends upon a credit assessment conducted by us of your individual circumstances and the rate offered may differ from the Representative APR.

The calculator is for illustration purposes only. Information and rates are effective as at 09.01.13. Loan rates may be withdrawn at any time. Applicants must be at least 21 years of age, be permanently resident in the UK, be able to make repayments by Direct Debit and not have been bankrupt or had a County Court Judgement. We reserve the right to refuse any application and to refuse a loan for certain purposes.

*Lines are open Monday to Friday 8am to 9pm and Saturday 8am to 4pm. Calls are recorded and monitored.

*Call Charges information

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Santander UK plc, which is authorised and regulated by the Financial Services Authority (Authorisation Number 106054), except in the respect of its consumer credit products for which Santander UK plc is licensed and regulated by the Office of Fair Trading, acts as an Insurance Intermediary for General Insurance