Santander Personal Loan
OUR RATING
Loan Amount
Total Payable
Monthly Repayment
Representative APR
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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.
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.
| Issuer | Santander |
|---|---|
| Loan Type | Unsecured Personal Loan |
| Rate Type | Fixed |
| Interest Calculation Method | Daily |
| Minimum Loan Amount | £1,000.00 |
| Maximum Loan Amount | £25,000.00 |
| Minimum Loan Term (months) | 12 |
| Maximum Loan Term (months) | 60 |
| Customer Type | New or Existing Customers |
| Relationship | New or Existing Customers |
| Acceptance Criteria | Minimum 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 Age | 21 |
| Maximum Age | 70 |
| Debt Consolidation Limit | £25,000.00 |
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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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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