Rating based on 38 reviews



  • Loans bad credit up to £20,000
  • Low-interest starting from 24.9%
  • Repayment up to 5 years

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Author Santander. Screenshot of Santander website. [Accessed September 4, 2019]

About Santander

Times are tough which means you could be in a bit of a financial rough spot but do not fear because Santander is here!

Santander is a commercial and retail bank based in the UK. Whether you need help with loans, mortgages or credit cards, Santander can be of assistance to you.

Santander is the bank for you

Since Santander entered the UK market in 2004, we have assisted millions of customers having offered over £27 billion in corporate loans. At Santander, we want to help customers and businesses to prosper by being the best retail and commercial bank the UK has to offer. We aim to do all transactions in a simple, fair and personal manner.

Banking on the go with Santander

With busy days such as yours, we understand that you do not have time to stand in long queues. This is why Santander allows for online banking via your home or work computer as well as a mobile application for your Smartphone or tablet downloadable from the App Store or Google Play. This way you can do your banking whenever and wherever you are. With the app, you are enabled to track your current finances, balances and make payments at your own convenience.

Santander Services

At Santander, we offer a variety of financial products.

We have a team of flexible, efficient and knowledgeable consultants that can give you the perfect solution for your needs. Santander has personal loan options for up to £25,000.

Personal loans for personal matters

With us, you are able to borrow between £1000 and £25,000 payable over a period of one to five years. If you choose to repay your loan early or make additional payments when you find you are able, we will not charge any additional costs. Simply apply and receive a decision within 24 hours. If you would like to obtain an indication of the repayment amount prior to applying you can use our online loan calculator for free.

What are Santander’s loan requirements?

If you have a permanent residence in the UK, are over the age of 21 earning a minimum of £6000 annually, and have a bank account, then you are eligible to apply for a loan with us. You do not have to be banking with Santander in order to qualify for a loan but you are limited to borrowing £25,000 if you are not banking with us. However, after having dealt with us, you will want to be a part of the Santander family.

Santander Product Details

  • Loan Type Loans bad credit
  • Interest Rate from 24.9%
  • Loan Amount up to £20,000
  • Repayment 12 months to 5 years

Summary of Services

  • Easy online application
  • Decision in 24 hours
  • No extra fees for overpayment

Santander is here to help you get a bad credit loan

We believe everyone should have access to affordable credit so that you can have more money to finance what makes you and your family happy.

Loans for all occasions

Whether your daughter needs help to finance her big day or you want to surprise your eldest with a new set of wheels, Santander is there for you. If you are seeing some red flags this month our trained advisors can be of assistance.

Finance your big day

Weddings are a major part of everyone’s lives. Whether it is your child’s wedding or your own, you usually do not want to spare any expense. Santander can help you to finance your dream day with one of our personal loan options. With no upfront payments or administrative fees, we can get you the money you need when you need it allowing you more time to shop for the perfect dress or venue even if you have a bad credit score.

Getting tangled in some bad debt?

Unexpected matters arise daily such as medical emergencies or vehicle breakdowns - whatever the case; we understand that some months you might come up short. It is of vital importance to contact us immediately if you feel that you are going to miss a payment. This way our trained advisors can assist you before the debt becomes a problem and help you to budget around the problems that you are experiencing in order to continue meeting your payments.

Customer Reviews & Testimonials

February 2019

When I have gave up on applying for loans because of my bad credit status. My friend referred me to Santander. I applied though I had doubts. Thanks to Santander for granting me a loan

Isabella W
— Dundee —

October 2018

They offer a great customer service

Sophie J
— Aberdeen —

April 2019

I was satisfied with their service when I left the branch. I was amazed with the treatment they gave me as their customer.

Ivy M
— Bath —

Santander Contact Details

Contact Number


  • not available


Physical Address

  • Santander 121-123 Camden High St London London NW1 7JR United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:30 – 16:30
  • Tuesday 09:30 – 16:30
  • Wednesday 09:30 – 16:30
  • Thursday 09:30 – 16:30
  • Friday 09:30 – 16:30
  • Saturday 09:30 – 16:00
  • Sunday – Closed