Rating based on 85 reviews

Santander Loans


  • Payday loans up to £25,000
  • Low-interest starting from 3.5%
  • Repayment up to 60 months

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Santander homepage

Author Santander. Screenshot of Santander website. [Accessed September 8, 2021]

About Santander

Santander is one of the UK's leading banking institutions and is known as the people's bank.

This is because we're innovative, modern and trendy and offer the most comprehensive bundle of banking and financial services - with us you'll
never have to look elsewhere.

What we offer our customers

As mentioned we offer one of the UK's most comprehensive list of products and services from current accounts and competitive credit card selections to the car and home loans at industry-leading rates, Santander certainly does it all.

Are you looking for a payday loan?

There are many reasons why someone would be looking for a payday loan - they offer super quick cash and don't require a credit check or any paperwork which people find to be very time consuming and boring. We do not offer payday loans but do offer our existing customers overdraft and credit card services which are by far more affordable than any payday loan on the market.

Forget expensive payday loans - get a personal loan instead

If you already bank with Santander you could apply for a short-term cash loan online and receive the funds on the very same day, just as you would with a payday loan. The only difference is that you don't have to worry about exorbitant fees and unsavoury charges - we offer the lowest rates on the market! You can apply for a quick cash loan with Santander by simply following these steps:

  • fill in the 5-minute application structure online
  • receive immediate approval
  • sign the agreement form
  • get your cash wired straight to your bank account

Santander Services

We do not do payday loans but offer a convenient alternative in the form of our very affordable short term cash loans.

Our samday approval loans are ideal for just about any conceivable need from stocking up the fridge when money is tight to buying a new car. If you're an existing Santander customer, you may already qualify for a provisional loan and you can check to find out simply by logging onto your online banking.

Other alternatives you should consider

In addition to our very affordable personal loans, we also offer overdraft facilities which serve to help you get the extra cash that you need instantly - now that beats any high interest payday loan that you can get your hands on!

The real problem with payday loans

Most people will tell you that payday loans are not a good idea and that's true, however, the reason is slightly more complex than most people think.

We understand that payday loans offer the quickest turnaround time and small convenient loan amounts which most banks don't cater for, however, the real problem with these high interest loans is not how expensive they are but because they can easily send people into an uncontrollable debt spiral.

Get short term credit from a reputable lender

We try to make the entire loan application process as simple and quick as possible and now offer customers the option of applying for all our short term credit products online - so whether you're using your mobile or PC, you can access credit in just a few minutes!

Santander – Payday loan

  • Loan Type Payday loans
  • Interest Rate 3.5 – 13.5% p/a
  • Loan Amount up to £25,000
  • Repayment 12 months to 60 months

Benefits of Santander

  • Apply quickly online
  • Get a decision in 24 hours
  • Get a payout quickly

Payday 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’s affordable payday loan alternatives

Payday loans have gained popularity over the years partly because the entire process from application to loan advancement can be done online within a matter of minutes and partly due to so many bad credits and no credit check lenders out there.

Santander offers you an affordable payday loan alternative in the form of our personal loans which range between £1,000 and £20,000. We also offer existing customers overdrafts and a range of great credit card offers.

Use Santander's overdraft facilities

An overdraft allows you to increase or set up a bigger credit limit that acts as a safety net and that you can use to avoid payday loans and other high-risk forms of lending. To see just how much more affordable an overdraft would be then a payday loan, you can use our calculator which will give you a clear indication of what you’ll be paying daily and monthly. Existing customers can apply for an overdraft or increase their existing overdraft by simply logging in to their online banking and selecting the provisional options already available to them.

Get a personal loan from Santander

Santander offers existing customers a simple way to avoid getting a payday loan. We offer short-term personal loans that range between £1,000 to £25,000 and a loan term of between 12 and 60 months at a Representative Annual Percentage Rate (APR) of as low as 3.6%. If you already have a loan with Santander you can call us to find out if you qualify to borrow more.

Use a Santander credit card and avoid expensive payday loans

If you already have a credit card with Santander you can use it to make purchases, pay bills and transfer money, all at much more affordable rates than any sameday loan offers. Our 0% interest balance transfers card will allow you to transfer other credit and store card debts and enjoy the 0% interest for the promotional period.

You can also use our 0% interest purchase credit cards to make purchases and enjoy 0% interest on those purchases for a set period of time. You can also use your Santander credit card to pay bills and other expenses online or at any pay point without incurring the absorbent interest and fees typical of payday loans.

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Santander is a trusted & reliable provider of payday loans

In our review, Santander 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 is a registered credit provider in the UK; FCA number 106054

Customer Reviews & Testimonials

September 2019

I have found the perfect company Thanx to a friend who told me to look them up when I needed a loan and now with them I can also get my house insured.

Joe B
— England —

August 2019

I got my payday loan and I couldn’t be more excited to say that I have qualified and will be paying my loan back so fast that if I need another I will be here to get one.

Roxanne D
— Hampstead —

Santander 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