Rating based on 65 reviews

Santander Loans


  • Bad credit loans up to £20,000
  • Low-interest starting from 24.9%
  • Repayment up to 60 months

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Santander Loans homepage

Author Santander Loans. Screenshot of Santander Loans website. [Accessed September 7, 2021]

About Santander Loans

Santander helps customers get quick personal loans at whatever point they require them – and for whatever reason.

We have a professional and skilled group of financial experts, who have a lot of knowledge that ensures our services, products, rates, terms and applications are the top of the range.

We're simply the best

Santander guarantees that we will stick to our strict and careful codes of conduct, furthermore, you will be completely supported when engaging our products and services.

Our highly competent staff are available to assist you with any questions that you may have about anything related to our services and products.

We offer market-leading rates and services

From top credit cards to affordable home loans and quick cash - Santander has a range of financial products customized to suit the modern needs of UK residents.

Whatever you need - we'll be here for you

Whether you want to go on holiday and need some travel money or, if you're ready to buy your very first home - we are here for you. Our short term loans have some of the most competitive rates in the country and - we will always keep them that way.

Are you looking for a bad credit loan? Have you been turned down by another lender and don't know why? Let Santander help.

Santander Loans Services

We at Santander, offer unsecured and secured personal loans, including auto loans, home loans, short term loans, emergency loans and debt consolidation loans.

Taking into account certain criteria – and the data you give, we may offer you alternative loans which may better suit your financial circumstances - inquire about getting a Santander loan today!

How would I pay back my loan?

Instalments would come specifically from your bank account at the end or beginning of each calendar month or as agreed in your loan offer. We will set up an automatic debit on this date, which may help to keep you from defaulting on your repayment and incurring late instalment fees. We try to make the entire lending process as simple as possible - starting from your application right through to the loan repayment stage.

Why do you request my credit score?

I thought you said no credit check. A credit check may influence your credit score and is made to one (or all) of the 3 noteworthy credit authorities. At Santander will pull your credit report only with your consent, however, this is a necessary part of the lending process and we cannot offer you a short term loan if we do not have your permission to check your credit file.

How much can I lend?

If you're looking for a bad credit loan we may not be able to help you as we only lend to people who meet our minimum credit threshold. We offer loans from £1,000 to £20,000 to new and existing customers.  Apply now to discover how much you can acquire through us and what individual interest rate we're willing to offer you. Our online loan application is secure, simple, and fast!

Santander Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 24.9%
  • Loan Amount up to £20,000
  • Repayment 12 months to 60 months

Benefits of Santander Loans

  • Overpay your loan at no extra charge
  • Apply quickly online
  • Get a decision in 24 hours

Bad credit loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Santander makes it quick and convenient to qualify for a bad credit loan

Santander considers a range of circumstances when deciding whether or not to offer to approve a loan application and what specific Annual Percentage Rate (APR) to offer on that loan.

The most important of these is your credit history over the past 6 years, which tells us how you manage your debt and whether you're likely to keep up with the repayments. If you're looking for a bad credit loan because you’ve missed a payment on your credit card or made another minor non-payment, Santander may still help you with a loan. The highest APR that we will offer on a personal loan is 24.9% which is what would be considered a bad credit loan by most since this APR is way below our Representative APR.

Santander provides a specific bad credit loan

In addition to considering your credit score and history, Santander also looks at how much other debts you have, your monthly income and how much money you're looking to borrow and when you want to pay it back. If you have more expenses than income then naturally, you're likely to miss payments and default on your loan.

Getting a loan with Santander

We will not approve a loan request if you’ve has any CCJ’s, an IVA or been bankrupt in the last 6 years. If however, you have a less than perfect credit score as a result of something minor, we will still consider your application and adjust the APR we offer accordingly. If you're looking for a bad credit loan, you may be tempted to apply for one with an alternative or online lender which is willing to look past your credit score and lend to you at a very high-interest rate. Although these bad credit loans may seem like a lifeline, they tend to make any bad debt situation worse and we recommend against it.

Features and details of Santander’s bad credit loans

  • The loan between £1,000 and £20,000
  • Select a loan term between 12 and 60 months, depending on the loan amount selected and your disposable income
  • Get a bad credit loan with a maximum APR of 24.9%
  • Apply for a loan online and get a decision immediately
  • Both new and existing customers welcome
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Santander Loans is a trusted & reliable provider of bad credit loans

In our review, Santander Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Santander Loans is a registered credit provider in the UK; FCA number 106054

Customer Reviews & Testimonials

June 2019

Get the most affordable personal loans within a few clicks of the mouse. Santander offers a wide variety of loans for every situation – not to mention that credit score is not their final decidin...

Michael S
— Ipswich —

March 2019

With leading market rates on loans, you will not need to look any further than Santander. I am very satisfied with the loan that I got from them and recommend them to all!

Henry S
— York —

Santander Loans Contact

Contact Number


  • not available


Physical Address

  • 406 Strand Central London Greater London WC2R 0NE United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:30 – 17:00
  • Tuesday 09:30 – 17:00
  • Wednesday 09:30 – 17:00
  • Thursday 09:30 – 17:00
  • Friday 09:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed