Santander Personal Loan in the UK: Fast Decisions, Fixed Monthly Repayments and No Product Fee
Instant decisions and same-day funding in the UK, Santander personal loans from £1,000 to £25,000 with fixed monthly repayments and no product fee
Fast approvals and same-day funding
Santander personal loan applicants in the UK benefit from instant decisions in most cases and same-day funding when you apply in branch. The straightforward process and soft-search eligibility check mean you can see likely rates without denting your credit score.
Decisions within one working day are common and funds are usually transferred within 24 hours after signing. If speed matters, the Santander personal loan is tailored for people who need a quick, reliable loan with no product fee.
Fixed monthly repayments and flexible terms
The Santander personal loan offers fixed interest rates with terms from 12 to 60 months, so your monthly Direct Debit is predictable and easy to budget. Loan amounts range from £1,000 up to £25,000, making it suitable for small projects or larger expenses.
Overpayments are allowed without penalty and joint applications are accepted, providing flexibility if you want to repay faster or share responsibility. Fixing your monthly repayments removes surprises from rate volatility and helps you plan household finances more effectively.
Eligibility, affordability checks and what you need
To apply for a Santander personal loan in the UK you must be at least 21, a permanent resident and earn a minimum gross annual income (typically £6,000 or more). Santander conducts credit and affordability checks to set your individual rate, so having pay slips and bank details ready speeds things up.
Prepare your addresses for the last three years, employer information and monthly income/outgoings. Existing customers, including those on Santander 1|2|3 World or Select, may see more competitive rates on a Santander personal loan.
Why choose Santander and how to apply
Santander is established across the UK and offers a combination of competitive rates, excellent customer support and clear terms — notably no product fee on Santander personal loan agreements. The bank’s online tools, loan calculator and branch advisors make comparing monthly costs simple.
Ready to proceed? Use Santander’s soft-search online to check eligibility, then apply online, by phone or in branch for same-day funding where possible. A Santander personal loan is a solid choice for debt consolidation, home improvements, car purchases or any planned expense — apply or check your rate today to secure a fixed, manageable repayment plan.