Santander Personal Loan
Santander offers personal loans with a 1-2-3 World loyalty rate for eligible current account holders. Fixed rates, no fees for early repayment.
Last checked on August 15, 2026. We may earn a commission when you click through.
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Decent rates, especially if you already have a 1-2-3 current account. Otherwise nothing remarkable compared to the Big Four.
Personal
Santander Personal Loan
Santander
Updated 1 hour ago
5.3–21.9%
Representative APR
Amount
£1k–£25k
Term
12–60 months
Decision
⚡ Same day
Check eligibility →
You'll be redirected to santander.co.uk
Our Verdict
Decent rates, especially if you already have a 1-2-3 current account. Otherwise nothing remarkable compared to the Big Four.
Best for:
Existing Santander 1-2-3 World customers who want to keep banking under one roof.
Watch Out
The loyalty rate requires a qualifying current account with a monthly fee. Factor that cost in.
Loan Details
Loan Amount
£1k–£25k
Term Length
12–60 months
Requirements
- UK resident
- 18+
- 1-2-3 account for best rate
