Car loans
If you’re looking to purchase a new or used vehicle, Santander car loans offer flexible financing solutions, enabling customers to manage their repayments effectively.
Who is Santander?
Santander is a major UK bank and part of the global Santander Group, headquartered in Spain and founded in 1857.
It was established in the UK in 2010 when Abbey National combined with Bradford & Bingley and then Alliance & Leicester.
With its head office in London, Santander UK offers a full range of banking products and services, both in-branch and through digital platforms, to millions of customers across the country.
What types of loans does Santander offer?
Santander provides unsecured personal loans that can be used for various purposes, including:
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Home improvement loans
Homeowners looking to renovate or enhance their properties can apply for a home improvement loan to complete the work.
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Debt consolidation loans
Debt consolidation loans allow customers to merge multiple debts into a single, manageable monthly payment, potentially reducing overall interest costs and easing financial stress.
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Wedding loans
Planning a wedding can be financially demanding and a wedding loan can provide the necessary funds to cover expenses, ensuring that couples can focus on their special day with no immediate financial concerns.
How much can you borrow with Santander?
Santander typically offers personal loans ranging from £1,000 to £25,000, with loan terms between one and five years. The amount you can borrow will depend on your credit score, income, and affordability checks.
To be eligible for a Santander loan, you must meet the following criteria:
Be 21 years or older
Be a UK resident
Have a regular yearly income of £10,500+ for loans up to £19,999, or £20,000+ for loans between £20,000 and £25,000
You must be employed, self-employed or retired
You must have a good credit record and not have been declared bankrupt, had a CCJ or an IVA within the last 6 years
Meeting these criteria does not guarantee approval, as Santander will conduct full credit and affordability checks before offering a loan.
Key features of a Santander loan
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Flexible loan terms
Choose loan terms between one to five years, depending on how long you need to repay.
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Unsecured personal loan
Santander's personal loan is unsecured, meaning you don't put up an asset as security.
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Overpayment options
Make extra repayments towards your loan to reduce your balance faster without penalty. There may be a charge if you opt to clear the entire loan early
How to apply for a loan with Santander
These are the steps you should take to apply for an Santander loan:
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Check your eligibility
Use the online eligibility checker to see if you qualify. It won’t affect your credit score
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Choose loan amount and term
Select how much you wish to borrow and your preferred repayment period
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Complete the application
Provide personal, financial, and employment details through the online form
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Credit and affordability check
Santander will assess your application based on creditworthiness and affordability
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Receive a decision
If approved, you'll receive a loan offer to review and accept
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Receive funds
After acceptance, funds are typically transferred to your account promptly
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Frequently asked questions
How quickly will the money be in my account?
Once approved, Santander typically transfers loan funds to your account within two working days
Are there any fees with a Santander loan?
Santander loans do not have arrangement fees, but there may be early repayment fees if you pay off your loan earlier than planned.
Is Santander regulated and trustworthy?
Yes, Santander is fully regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), ensuring all lending practices meet strict standards.
Deposits are protected by the Financial Services Compensation Scheme (FSCS), safeguarding your money up to £85,000. Santander is a well-established bank with a long track record of providing trusted financial products.
How much can I borrow with Santander?
Santander typically offers personal loans ranging from £1,000 to £25,000, with loan terms between one and five years. The amount you can borrow will depend on your credit score, income, and affordability checks.
How to compare loans with MoneySuperMarket
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Reviewed on 8 Dec 2025 by
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