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

About Santander

If you are in need of a low-interest payday loan to make an unplanned purchase or pay an unexpected bill, get the help you need from Santander today.

With Santander, you can conveniently access the cash you need in an instant as they are fast, reliable and they offer the most competitive payday loans in the UK. Santander is a large retail and commercial bank located in the UK.

They are a wholly-owned subsidiary of Banco Santander which is a major global bank. They offer different financing options to their clients in the form of loans. Access a convenient online payday loan from them today.

Get the best payday loan

Santander entered the UK markets in November of 2004. Since then they have grown their active clients to more than 14 million. They have also had a constant inpouring of more than 1500 new mobile users every day.

Efficient payday loans for you

They are intentional about making their customer experience as good as possible to increase customers loyalty. They have simplified and digitized their platform to have increased the efficiency of their business.

Access a payday loan from a company that is constantly building the skills of their employees to improve their ability for optimum customer service. Santander focuses on embedding sustainability all over their business as a way to be a responsible business. They are focused on giving you the best experience and service possible when you obtain a payday loan from them.

Santander Services

A payday loan is a very small loan that can be paid back in a small time frame.

Santander offers payday loans, car loans, debt consolidation loans, home improvement loans, and special occasion loans.

The right payday loan for you

If you are in need of a payday loan, consider applying for one from Santander. You can apply for an amount of £1000 - £25000 which can be paid back in 12 - 60 monthly installments.

You will receive a yearly statement to show you the amount you paid and the amount that still needs to be paid. Alternatively, you can visit their website or log in to their mobile app at any time to get a full overview of your payday loan.

Customer service provided by Santander

On their website, you will find a list of popular questions people have asked along with different tabs to help guide you toward the answers you may need. They also have a tab where you can ask their digital assistant for assistance at any time directly from your device.

You can have more than one payday loan

Should you encounter an additional expense whilst you are still busy paying off your current payday loan, you can also enjoy taking out an additional loan from them. In this case, you will have more than one payday loan simultaneously.

If you at any point wish to close any of your payday loans you will be able to contact Santander’s customer support team and request your settlement amount. They will then provide you with a once-off payment amount that you can pay to close off that specific loan.

Santander – Payday loan

  • Loan Type Payday loans
  • Interest Rate 3.513.5% 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 quick loans calculator is subject to our terms of use.

Santander’s affordable payday loan alternatives

With Santander, it is very easy and hassle-free to apply for a payday loan from Santander as they have a no-nonsense approach.

Access the very best payday loan by following these steps to apply today:

Steps to follow when applying for a payday loan

Step 1

Select if you are an existing or new client. Existing clients will be approved for a larger amount than their new counterparts.

Step 2

Choose the amount you need to borrow and decide how long you will need to pay back the amount you wish to borrow.

Step 3

When you are approved, you can sign your payday loan agreement online and receive the money from Santander into your bank account in no time.

Santander’s lending criteria

  • You need to be older than the age of 21 when applying for a payday loan from Santander.
  • You will only be approved if you permanently live in the UK.
  • Your yearly income needs to exceed a minimum of £7500.
  • To be able to receive your payday loan you need to be able to make repayments via direct debit.
  • In order to be approved, you are not allowed to have been declared bankrupt, have a CCJ or an IVA in the past 6 years.

You don’t have to suffer financially when the unexpected happens. Get a low-interest payday loan in just a few convenient clicks to access money that will help you through the unforeseen.

The great part is that Santander’s payday loans are easily accessible and affordable to pay off without any struggle. Click and get the cash you need now. Taking regulations and guidelines seriously is very important to them as this is how they protect their business and their valued clients.

Benefits of Santander’s payday loans

  • You will have rates of as little as 2.8% APR representative.
  • They offer preferential rates for their existing clients.
  • You will be able to overpay your payday loan at no additional costs.
  • You will receive your approval decision from Santander within minutes.
  • Quick and easy online payday loan application process.
  • Great customer service that will exceed your expectations.
man holding thumbs up

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 UK: FSA 106054

Customer Reviews & Testimonials

June 2021

You have made it possible for me to put my child through this school year. Thank you for helping me. Your support portal was so helpful. I will recommend your services to everyone.

Anja Blanche
— Manchester —

August 2021

I love your new app. It helps me see exactly what I have going on in my finances. This is so user-friendly.

Brian Baldwin
— Edinburg —

September 2021

This process was so simple to apply for. I am relieved that I was able to fill out the entire application without freezing in fear. Thank you for making it easy.

Margret Du Plooy
— Bristol —

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