Santander Personal Loan

4.8

OUR RATING

Loan Amount

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Representative APR

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4.8

OUR RATING

Our Verdict

Santander offers unsecured personal loans with some of the lowest interest rates on the market, even for smaller loan amounts, which typically carry higher APRs. Whether you need a small or large loan over a short or long term, Santander is worth considering. A good credit history is usually required. Loan decisions are typically made within 5 minutes, and overpayments can be made at no extra cost. If you’ve held a Santander current account for at least 60 days, you can apply in branch and, if approved, receive your funds instantly.
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Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
IssuerSantander
Loan TypeUnsecured Personal Loan
Rate TypeFixed
Interest Calculation MethodDaily
Minimum Loan Amount£1,000.00
Maximum Loan Amount£25,000.00
Minimum Loan Term (months)12
Maximum Loan Term (months)60
Customer TypeNew or Existing Customers
RelationshipNew or Existing Customers
Acceptance CriteriaMinimum applicant net income of £10,500 for loans up to £19,999. Minimum applicant net income of £20,000 for loans between £20,000 and £25,000. No CCJs, IVAs or bankruptcy within the last 6 years.
Minimum Age21
Maximum Age70
Debt Consolidation Limit£25,000.00
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Important: When consolidating your existing borrowing, you may extend the term of your debt and increase the total amount you repay.

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Representative 18.6% APR
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No impact to your credit score

Mintify Limited, trading as Mintify, is an Appointed Representative of Creditec Limited who is acting as a credit broker, not a lender.

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