Santander

Visit Site

Company Information

  • Company Name :
    Santander
  • Website Address :
  • FCA IP :
  • Business address :
    2 Triton Square, Regent's Place, London, NW1 3AN
  • Phone number :
    0800 028 4055

Santander (Santander.co.uk) is one of the leading financial service providers in the UK, with a range of products available to its customers. Santander has a variety of loan products designed to meet its customers’ financial needs. The personal loan from Santander can be used for whatever the customer needs it for, whether that’s paying for a special occasion or covering unexpected expenses.

While using your own savings is generally the best way to cover costs, loans can be useful in a range of circumstances. Santander’s personal loan is an unsecured loan, so taking it out won’t put your home at risk should you fail to meet the repayments.

The personal loans from Santander have varying interest rates that are calculated based on the amount of money being borrowed, the length of the loan term and the individual financial circumstances of the customer. Customers can use the Santander website’s loan calculator tool to get a sense of how much their loan will cost them over time, and what figure they’re looking at in terms of monthly repayments.

Santander has personal loans available from as little as £1,000 up to £20,000, although the amount you can borrow may depend on your circumstances and how much you can afford to repay. Customers can pay back their loan over a course of 12 to 60 months. Overpayments may be possible without a charge, depending on the terms of the particular personal loan taken out.

Santander’s personal loans are available for Santander current account holders as well as new Santander customers. You must be at least 21 years old, a resident of the United Kingdom and have a gross annual income of at least £5,000. Customers do not have to have a Santander account, but they must have an account with a bank or building society that has a direct debit facility. Special lower rates may apply for customers who hold a Santander 123 Current Account or 123 Credit Card.

285 Reviews of Santander

I’m a new customer to Santander, I’ve never banked with them before and have always used one of the other major high street banks. I’ve had lots of bad experiences with my previous banks- they hit me with charges I didn’t expect, the customer service was never as good as it should have been and when I went to check out their personal loans, I wasn’t at all impressed by the interest rates.I shopped around to find a better loan- I needed to take one out to cover the cost of some renovations in my house and wanted to get the best deal possible without being ripped off. Because of my bad experiences with banks in the past, I think I was really careful this time to pick the best possible bank. Santander was really great with me from the start. I went into my local Santander high street branch to chat with them about their services and the staff were very friendly and helpful, definitely a nice change from my previous bank. They showed me their personal loan plans and came up with a quote for what I could receive and how much I’d have to repay. I was very happy with the terms and ended up actually setting up a current account with them at the same time, because I could see that they were an all-around better bank.My loan came through to my new account very quickly and I was able to begin my renovations without any trouble. I’m now making my repayments and getting back in the clear with Santander, and I have no complaints! Good service and nice people, I’d highly recommend this bank’s loan products.

Review posted by Hugh Tipforth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When my boiler broke and ruined my kitchen floor- not to mention all the food in the cupboard underneath it- I knew I would have to get a loan out to pay for repairs. As I was already a Santander customer, I thought I’d try them first- and I’m so glad I did. It could not have been easier. The first thing that was great was being able to see at once how much I would have to repay on their website. They have a calculator so you put how much you want to borrow and they tell you how much your repayments will be- as many different times as you like. This made it so much easier to work out if I could afford the repayments, and how long I needed to take the loan out for, without going through the whole process or even speaking to someone! My mind was eased immediately. Even though my income isn’t too high, I was accepted straight away (I think the limit is £5,000 per annum) and even got a special rate as a Santander customer already! The money came through really quickly too (there were a few checks they made but it didn’t take long) and so I wasn’t without heating or hot water for more than a few weeks. What could have been really stressful, especially for the first time, was made really easy and painless. Thank you, Santander!

Review posted by Aaron Howarth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am 21 years old and really wanted to go study abroad, but my family did not have the resources to help me do that. I racked my brain for ideas on how to get the funds I needed, but came up with nothing. A friend of mine told me about Santander and suggested that I look into what they could do for me. I only needed about 2000 pounds for the airplane ticket and some money to get me going - the rest was all sorted out!Since I did have a part-time job in the UK, they approved my application very soon after applying online. I got my money and the opportunity to pay the loan off over 60 months, which is excellent news to a student who does not earn that much cash. I am currently only waiting for final confirmation, but I am on my way to further my studies abroad. Thank you Santander, you have made me the most grateful young person alive!

Review posted by Patrick Shaw

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The customer service when it comes to getting a loan from Santander is said to be second to none. Typically, banks get a relatively bad press when it comes to getting a loan. Many are said to have hidden fees here there and everywhere which are designed to get the most money they can from you and penalise you for needing a loan. However, at Santander, their friendly customer service team matches their loans, they make the terms and conditions clear and simple and offer great rates and good flexibility as well.With a maximum loan amount of £20,000 and a minimum of £1,000, this is fairly competitive except many personal loan companies offer the opportunity to lend more. They let you take out money and repay all within 12 months, which is perfect for people having a short term loan. With a very competitive 4.3% APR, the bank has really good loans and they all come with fantastic flexibility and customer service.Santander sets out the terms of your loan carefully and although it is not the fastest way to get your money, the loan clearly sets out how to repay your loan and it could not be easier to understand. This bank offers perfect loans for people looking to use the money they get quickly and repay the loan very quickly also.

Review posted by Isabella Shepherd

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I would never apply for a loan with Santander again and am currently in the process of moving my current account away from this bank.I am a company director, own my own home and earn a good income. I applied for a loan with Santander in good faith and I expected to receive the advertised rate of interest on an approved loan. I was accepted for the loan, however the rate of interest was more than double the 4.3$ rate advertised on their website. I have absolutely no idea why my application was assessed as risky. My credit score is excellent. The only negative aspect on my credit score now is the application I just made to Santander for a loan!I have made an official complaint to the bank about this decision and I have also opened another current account with another bank. I really cannot accept the cavalier manner in which the bank treated my loan application. I have purchased a number of financial products from Alliance and Leicester, Santander over decades now and never had problems with any of them. I can only assume they are trying to attract new customers for loans and don't think they need to treat existing customers in a particularly responsible fashion. I hope the fact I have taken my banking away from them will cause them to rethink this bizarre attitude and learn to treat their existing customers with more respect.

Review posted by Jodie Murphy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander are one of two high street banks that offer an APR representative rate of less than 4.9% at a competitive 4.3% for loans of £1,000 to £20,000. Loans, like many of the aforementioned lenders, can be taken out over a period of 12 to 60 months. If a loan were taken out of £10,000 over a period of 60 months, then monthly payments would be £185.32 and the total amount payable would be £11,119.20. Customers are constantly searching for low interest rate and some do not trust online lenders because of the facelessness of the whole procedure. Santander's loan services are bolstered by their extremely low interest rate, meaning customers end up paying less (then other high street lenders) come the end of the loan term. Santander is a trusted high street bank and their advertisements on a range of platforms are recognisable to even the unknowing. Customers recognise Santander's logo and their association with famous sportsmen and sportswomen such as Jessica Ennis, Jensen Button and Rory McIllroy. Brand awareness if often pivotal in securing new customers, whilst keeping existing customers happy. Customer service is generally recognised as positive and staff within branches nationwide are often helpful. If you considering a high street bank for a loan, then Santander are definitely an option if you are seeking a low APR rate.

Review posted by Leon Patterson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As someone who doesn't often use loan companies or apply for credit, I thought using a 'reputable' bank would be a safe bet. After hearing horror stories about banks just taking out money as they please, I decided my best option would be to apply for a loan from a bank that was not my main bank and couldn't access details of my personal banking account.This is not because I was not planning on making my repayments on time, actually at the 'advertised' interest rate I could afford them very comfortably, and just wanted to loan to take my wife on a once in a lifetime holiday for our 20th anniversary. Although the application process was relatively painless, the interest rate was extremely high, in light of what was advertised.When I called a representative to explain, they said I did not qualify for the lower rate, even though my credit rating is near on impeccable. After a lengthy call and sales pitch, I was convinced most loan companies would be the same and decided to go with them anyway, as I had already got through quite a lot of the application process. During the application there was no option to say when I wanted the direct debit to go out at all, so I decided to make a not to change this as soon as I could.Although the application and money was sorted out quickly, this was the only saving grace from a company that really do not seem to know what the person sitting next to them in the office is doing. I called up to ask my direct debit date, and after being passed through to three different people, I was told the date which was a week before I get paid. I was told it had been changed, and expected the first payment to come out on the new date. It did seem strange that they would just change it over the phone, but as I am not a regular loan customer I trusted them. On the original date, Santander took the money leaving me over drawn and incurring charges.

Review posted by Rebecca Patterson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I’ve been saving up to upgrade my entertainment system for a while now (need a new plasma TV and blu-ray player). I got about half what I needed together before I caved in and couldn’t wait any more and decided to get a loan to cover it.Ultimately, the reason why I got a Santander loan directly and not through their on-line loan service, Cahoot, is because I only had about £5,000 in my bank account with them at the time and didn’t feel like sending in any statements from another bank so I could use their on-line service. So all I had to do was ring them up on the phone and ask for the loan. They verified my account details, checked my credit history on-line and while I was still on the phone, in less than 20 minutes, they approved me!They said the money could take 2-3 days to appear on my bank account, but it was actually there the next morning. I went out and bought the wide-screen TV and the DVD player straight away that I had been saving up for. I recommend their services to anybody who has an account there as it’s quick and easy, but even if you don’t have an account they can set one up for you quickly and you can even get discounts on their services if you get a loan.

Review posted by Evan Pope

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I had always dreamt of an elegant wedding in Venice to start off our marriage. Both of us have great love for that magical and immensely beautiful Italian city. Even though we had made substantial savings, two months to the wedding we realized our savings could only cover about three thirds of the estimated cost of the wedding. We were faced with the option of either cutting down the costs of the wedding and, therefore, make it less elegant as we had always dreamt of or find a way of getting the extra money. After much deliberation, we chose the latter. However, I wasn't comfortable taking a loan with my bank. Its interest rates were high and customer service mediocre. I decided to shop for a different bank with low interest rates and flexible repayment schedule. A friend recommended Santander to me. He had previously got a personal loan from them and was really impressed with their services as well as their APR.The following day, I went to their local branch and made enquiries about their personal loans. I was immediately struck by the friendliness and resourcefulness of the customer service. I immediately took the forms and made my application. A while later, I was informed that my request had been accepted. Unlike in other banks where often the advertised rates are different from the rates you are told to pay, the rates I was given were the same as those they had advertised. Two days later, the money was in my account.Needless to say, we tied the knot with my wife in a colourful ceremony in Venice just as we had always dreamt of. Right now, we are happily enjoying our marriage. I comfortably finished my repayments three months ago and moved my current account from my previous bank to Santander. I highly recommend Santander to anyone in need a personal loan.

Review posted by Christopher Perkins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Any low income earner looks for financial lender with lowest requirements. Santander is one of those lenders. With a requirement of only £5,000 gross annual income, any UK resident aged 21 years and above has the opportunity of getting these loans. The loan they give doesn’t require any collateral, and on top of that, they have no restrictions on its use.The loans attract varying interest rates to different clients, depending on their financial circumstances, the amount and the payment period. You are able to know the rate you will get when you use their online loan calculator on their website. They give personal loans of between £1,000 and £20,000 payable within 1 to 5 years. This period can be extended without any extra charges if you agree on those terms with the lender before signing for the loan.For as long as you have a bank account with any bank or building society, having direct debit facility in the UK, you are eligible to apply for these loans. Santander has a special offer for its existing clients who have 123 Credit Card or Santander 123 Current account, which means lower rates. You definitely need to visit their website if you are in dire need of cash.

Review posted by Niamh Newton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had a great experience dealing with Santander (well, as great as can be when taking a loan!). The system was straight-forward, the value was the best I could find and there were no complications. I have taken loans before but this one just seemed that little bit easier. The calculator on the website lets you know what you will be paying back before you have even entered any details. My approval was quick too, I was emailed not long after completing the form with details of my application and what to do next.I checked the rates of several companies in advance. I also read a number of reviews. Santander seemed to come out favourably in both respects, so I decided to give them my custom. There isn't really an awful lot to say about it. Everything was just fine and I wouldn't hesitate to recommend them to a friend.For reference, this loan was for a sum of eight thousand pounds and the term was three years. I know that rates vary per circumstance and I would like to give as accurate a review as possible. I do recall that my particular needs gave one of the best APR rates according to the online calculator.

Review posted by Zara O'Brien

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm not the best at keeping track of my money, it always seems to go out as quickly as it comes in, after running up debt on various credit and store cards I knew that the time had come to grab the bull by the horns and organise my finances. The problem was that I had to many different providers to keep track of, there was a period of time were I was constantly getting late charges and losing promotional rates due to the fact I just couldn't keep control – my life is busy enough without the extra hassle !It was a close friend that suggested I look into taking out a loan to pay off my debtors, she had done so a few years back and swore it was the best thing she'd done. With that in mind we went in search of the best deal online, after browsing through a few she insisted I checked out Santander. Now I'm not the most savvy when it comes to things like interest rates and finance, but I do know a great deal when I see one – With Santander I knew I had found the right loan for me!The main thing I've learnt from this experience is never to take on such a high level of debt with so many different providers; things are so much simpler now, although I still do enjoy a bit a retail therapy from time to time!

Review posted by Jude Howells

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander personal loans are provided with no annual fees attached. You also will not be required to pay an increase in your monthly payment over the life of the loan. Santander offers both speedy processing and value for money. Once you apply for a Santander loan, you will learn whether your application has been approved within minutes. Their interest rate on personal loans is 4.3% APR Unfortunately, Santander does not lend less than £5,000 for personal loans. If you only need to borrow £2,000 or £1,000 for example, you will have to choose another lender. They also limit their repayment term to 5 years. Santander offers attractive terms to their clients. If you wish to borrow more than £5,000, they are a good option.

Review posted by Amber Gibson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I never knew applying for a personal loan was so easy! I visited their site online and completed the straight forward application and requested how much I wanted to borrow. Being the pessimist that I am I thought that my application would surely be declined, but within literally minutes of applying I received a confirmation email from Santander. I also got an APR rate of 7.5%. I've heard horror stories of people thinking they would get one rate but instead get a slightly higher rate. That wasn't the case for me. Santander never hid anything from me and everything was clearly printed so I fully understood every little detail. Anyway, after applying for my loan online I got the papers a few days later. After checking the papers and then signing it, I posted it back with haste. Outstandingly only a couple of days after sending the papers back I already received the money in my bank account to do what I want with. Thanks so much Santander for giving me a lifeline and a chance. I would most definitely recommend Santander to all my friends and family. This chance I have been given has allowed me to get my life back on track and that's what I really thankful about.

Review posted by Harriet Daly

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander are the company responsible for the 'online only' offshoot Cahoot, and generally offer the same minimum and maximum borrowing amounts; however, Santander have a much more positive reputation and the added bonus of having physical branches on the street. This means that you don't have to be an internet wizard to get the same great services normally only available to the 'tech savvy'. This is offset by a slightly higher APR than some online only companies; however, you really do get what you pay for. Santander's staff and financial advisors have received healthy praise for their knowledge and understanding, and listening to people's circumstances, allowing for loans where a webform would simply say 'no'. The speed of the funds reaching the borrower's bank account is very speedy, with money available only a few days after signing on the dotted line. And of course, having branches on the street means you can apply for the loan at a time which suits you; not havng to wait for someone to call you back. The other great thing about Santander is that you're dealing with a trusted name; no worries about them collapsing or being bought out by less scrupulous lenders. Overall, they're offering a great personal (albeit ever so slightly more expensive) service.

Review posted by Max Patel

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Taking a low from Santander was the most awful experience I had in my life. I thought I would get something better from the bank being one of the best-advertised banks in the country.I thought it would be easier, safer, and quicker borrowing from them to pay for my mortgage, which I needed urgently. The application process is easy. The money was approved after the application; they sent the paper, which I sent back to them after signing.However, I discovered that APR was very high. It was higher than what they advertised on the internet and on television. I was not comfortable with the rate and I decided to call their representative to ask why. The response I got from them after several calls and several mails were not encouraging. I was told that I was not qualified for a lower rate. My credit rating was not that bad. The bank representative told me that other banks and other financial institutions do the same thing and that their own cannot be different.The most annoying experience with them is that they failed to pay the money to my account several weeks after the approval. It took me several calls, emails and visit their main branch before the money was finally paid into my account. Everything about this bank is poor. Their customer service is the poorest I have ever seen such poor services in my life; their APR is high and I must confess that I did not get value for their money. I will never recommend this bank to any borrower.

Review posted by Eleanor Steele

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I bank with Santander, and I was offered a loan through my online banking system. I clicked the apply button, and in just a few minutes I got the decision. I was accepted with a preferential rate and could pop into the bank to arrange the paperwork. Got the money transferred to my account in three days, and the direct debit was already set up by the time I had to make the payment. I believe that the company really looks after their customers, and they are professional. I have read many customer complaints about the bank after the takeover and I was worried that the customer service would be not what I expected. I was wrong.When I banked with Lloyds, I was given a “customer rate” on paper, but it was never applied on my loan, so I left the whole company and moved to Santander. I never look back.

Review posted by Corey Stephenson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Im a 50 year old businessman who has had a mortgage with a certain bank for the last 15 years. I was happy with the entity that gave me the loan, but always felt that the interest rates and the overall charges were a little high. Recently whilst browisng on the readies.co.uk site, I started playing around and doing comparisons, and realised I had been correct all along... I made the decision to re-mortgage my house, using Santander bank, who gave me a very good proposal. They paid off my existing loan and gave me a mortgage with them that allowed my monthly repayments to drop by about £88 per month. I think this is great as its a big savings for me and my family. I therefore suggest that everyone has a good look at their options before accepting the first one they are given.

Review posted by Ruth Morrison

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I lived in Spain for many years of my life and returned to the UK last year. As I was a client of Santander Bank in Spain and never had any complaints, I figured I should continue to bank with them here in the UK too. I recently got married and we decided to buy a nice 3 bedroom cottage. Fortunately we could afford a big deposit and thus, we were able to borrow the rest, payable over a short period of time and with a very interesting interest rate and what I consider to be much lower fees than what I expected. I feel the bank was very fair, as they looked at various possibilities before suggesting the one we ended up accepting. I thank them for putting our best interests at heart and not taking advantadge...as they could easily have tried to convince us to take the mortgage for a longer period of time, to pump up the interest rates and fees. Thank you Santander.

Review posted by Patrick Murdoch

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My name is Peter and Im 20 years old. I have a good job, earn good money but ofcourse I do not have a good credit rating as the only thing I have ever bought on credit was my motorbike which I paid off in one year. I approached a building society that offered to give me a mortgage to buy a small apartment, with frightenning interest rates and heavy charges. Their reasoning was my age. I walked out and tried Santander. Fortunately they did not see me as a risk after checking my bank account and my salary. They also realised that I do not have any debt, so were fair enough to approve my mortgage and give me the a fair and afordable deal. I would like to thank Santander for not refusing me because of my age.

Review posted by Peter White

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Hi my name is George. I'm 28 years old, steadily employed with a bank account and was in dire need of a newish car. By newish I mean 4 to 5 years old. I handpicked the car and now was looking for a bit of credit. My own bank was a no no, so I approached Santander and what a good idea. Their staff were super helpful and before long I knew exactly where I stood in terms of amount borrowed, loan period, monthly repayment and interest rates. Fantastic. It all worked out so well. The monthly payments were comfortable and payable via a debit order. I now have my newish car thanks to Santander.

Review posted by George Willoughby

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Fortunately I have a bank account with Santander and a short while ago I approached them for a personal loan of £5000 as I wanted so desperately to go abroad with my girlfriend. I thought they'd knock me back, as to tell you the truth, there is no real magic in my account. I was pleasantly surprised when my loan was approved and it was decided and agreed by both that the repayment period would be 60 months. As my salary is paid into Santander every month it was a simple matter to automatically deduct the amount each month. The funds were made available almost immediately and we're soon off on a dream vacation all thanks to Santander Bank.

Review posted by David Ireland

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My name is Phillip and I'm 42 years old and have been steadily employed for the last 12 years although i have been through a period of unemployment wherein my name was blackened due to a few debts being out of control through no real fault of mine. I thank the powers that be that this is no longer the case and I am now totally debt free. It was knowing this that I approached my own branch of Santander Bank requesting a loan of £10000 for a new vehicle. I was taken aback by their helpfulness and knowing my background the loan was approved . It was structured that I would repay over 60 months which suited me fine. My girlfriend also has an account at Santander and she has promised to cover me if necessary. ( I will never let that happen ) The funds were readily made available and I'm now driving a great new car. All thanks to Santander Bank.

Review posted by Phillip Knutzen

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander's reputation to be one of the biggest financial providers in Europe, and maybe in the world reflects in their service towards new customers, is my opinion. After I applied for a loan to consolidate my finances this is what attracted me the most.As a new customer myself I found it quite decent from them to be welcomed this way. However, there are still some questions left such as how it is why the interest rate of Santander differs from Cahoot, their 'off-spring' in the UK.I didn't had a bank account with Santander but up to now I'd never had the feeling this would make a difference, at least not until now. Something else that attracted me is the idea that I'm allowed to place an overpayment without any charges. Well, that was different a couple of years ago!Taken everything in consideration I'm satisfied with their loan providing facility. I'm not sure about other services, but when the quality is the same I might be interested in using them.

Review posted by Paul Ecclestone

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Although I find it difficult to get use to the idea of Spanish banks taking over our country I must say it has some advantages. Maybe its me but I have . some good experiences to share about a bank in particular, Santander. I never visited Spain in my life, but if everything is as good arranged as their financial institutions more in particular their services... blimey!I think its a good development, the coming of some foreign banks to the UK. We brits are over conservative, accepting everything Labor or the Conservatives chew for us. Why does it take one or two decades to change the old system of charging over-interest, repayment fees and a fine for paying back the money earlier?Thank God those days are gone. Great for me, as I opted for a loan to see my sister in Christchurch new-Zealand which was granted in less than a week. With Santander Bank yes. The loan of 1400 quid was all worth it and so was the trip, although a little bit on the long side if I might say. The interest is less than nothing because I pay everything back in 24 terms.I am grateful to have the chance to see my sister again in 20 years. All compliments go to the Santander Bank to make this possible.

Review posted by Burt Kingsman

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I would be the last person on earth to say that foreign banks should not belong here in the UK, but the opposite is true. Compared with the socalled 'old fashion, old style, conservative banks' its a relief to talk with someone from a bank that actually listens to its potential customers (I wasn't a customer at that time). What a difference.Anyway, I am a customer now and still happy with the services I'v got from them, the Santander Bank. Especially the contact with their customer service center is what pleases me. No vexation anymore about employees not understanding (or unwilling) what I want.Concerning the loan i've taken out from them no complaints or worries. You only hear from them when its really necessary or in case there's trouble regarding the balance on your account. Chapeaux!

Review posted by John Redding

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I contacted Santander I didn't think I would have a chance of getting a loan. My credit is not that good right now and I am struggling to re-establish it. When I explained what I needed the money for, they went to work on getting it for me. The past couple of years have been hard for me financially, due to some personal problems that I don’t want to get into, but I knew that I would have to reach out to someone for help. I lived in Spain for a few years so I’m familiar with Santander bank because I used it over there. I have no idea what they did but my loan was approved within 24 hours. Needless to say I am not only grateful but feel like I have acquired a new friend and business that I can rely on. Totally love everyone at the Santander office. I highly recommend them to people like me who need a loan. Thankyou

Review posted by Nancy Richmond

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As far as I'm concerned, Santander is the best by far personal loan company around. The staff kept in contact with me throughout the process, was kind and professional, and got the work done that needed to be done in order to make my loan. I'm very happy with the online support as well. Tracking my loan online and making online payments is very important to me. The people who contacted me were very kind, and I can't tell you how much kindness and manners matter no matter whom you're asking for a loan! This is a top rate company with an obviously good set of core values and I would recommend it to anyone who needs assistance. Thank you!

Review posted by Dorothy Hopkinson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After a two-month search for a personal loan for debts and emergencies I found Santander on an online comparison website. After applying I was approved within a couple of business days.And shortly after being approved the loan was transferred into my bank account. The process wasn’t in any was complicated or difficult, and it took no time to sort everything out. The people who I spoke to over the phone were great professionals and very polite. I have absolutely no complaints about this companies service when it comes to loans.The service was fast and the representative was knowledgeable. I recommend this company to anyone seeking a personal loan like I was. I hope that anyone reading this can find it helpful. Thankyou.

Review posted by Victor Santos

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I had nowhere to turn, I contacted Santander bank about their loan services because it had been recommended to me by a friend of mine from work. I told them all about my finances through the past years (which have always been good) and told them exactly what I needed to borrow.Santander gave me a loan within no time. I was blown away!! Having lost a lucrative job in 2013 after 16 years, I found myself in a difficult financial situation. Although I have been reemployed since and have been in the same company since 2014, the pay that I receive is not as good and sometimes it can be hard to keep on track.Despite my difficulties, Santander trusted me and gave me a loan. I am so grateful to their whole team. Thanks!!!!

Review posted by Donna Ward

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I don’t want to get into detail to why I had to turn to Santander for a loan because it is a very personal subject for me to get into. But I must say that I am very happy with the service provided to me and my family. Throughout the whole loan process I had people taking care of me and making sure I understood everything from the start until the finalization of the process.I have to comment on the customer service. The representative was very courteous and had a pleasing personality as they explained what Santander had to offer. Which is very pleasing compared to some responses from other business experiences I have had. Overall I had a great time collaborating with Santander and would go back to them in the future for any possible loans.

Review posted by Pamela Baker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Being an old retired fellow and living on my retirement benefits it's almost impossible to get even a small loan when an emergency situation comes up. I searched around for a trustworthy company to help me out of my financial problems and a lot of companies weren’t willing to help me out. Fortunately, I contacted Santander and they were more than happy to help me.Santander definitely accomplished it for me. The staff members were all so helpful and friendly, they talked me through the application and didn’t leave me with any unanswered questions or doubts. I’m glad to have chosen Santander for my loan. It’s nice to see that they help out even old fogies like me! I recommend them to everyone! Thank you Santander

Review posted by Gary Jones

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A close friend of mine recommended Santander to me when I told her about my bad financial situation and that I needed a loan due to needing to fix our house up a bit. I am very wary with loan companies but she said to have had a lovely experience with Santander and for me to give them a go. I’d rather go somewhere that had satisfied people who are close to me so that I know I’m in good hands.My husband and I went for it and got in touch. Our rep was very helpful in our decision making for our loan which will greatly help us for our remodeling projects and this will help us to further our credit standings. She was very good at what she does by explaining all of our options. We would highly recommend to all of our friends and family to contact Santander.

Review posted by Bonnie Azevedo

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After a few months of looking for a good company for a personal loan someone recommended Santander for me. I was looking into buying a property for a while so I needed a loan to help me out with the payment. I contacted Santander and the response I got was really helpful! The application was easy and it was just an easy experience for me.I am very pleased to do business with Santander. They are very professional and are willing to help in absolutely anyway that they can. I will continue to do business with them and hopefully will be able to refer many more to them. I like all the additional protection you get for a personal loan. This kind of treatment and service cannot be found elsewhere. It was a great experience overall.

Review posted by Olivia Parker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Although at the time I was not a client of Santander, I had been doing a bit of homework while looking for the vehicle to replace the banger I'd been using for the last 8 years. I found the car that was to be mine and needed another £8000 to add to some of the money I had saved. I then applied for a personal loan from Santander. I'm sure they checked out everything and really I knew that I would be no risk to them and before long my loan was approved. What was also good in my case was that I could pay back the loan over 60 months at a reasonable interest rate. Thank you SANTANDER for your good service.

Review posted by Antonio Baptiste

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm 48 years old and own my own little house with my wife. We recently became parents again and after going away on holiday and really enjoying the en suite bathroom in our hotel we decided that we would build one in our house. We had a few renovators give us a quote and were told that £8000 would more than cover the cost and being a client of Santander Bank for a number of years applied for a personal loan. Their interest rate for the loan was really good and they would debit my account over a period of 60 months with a fixed amount being deducted each month.. So glad to be a Santander client because their range of financial services are remarkable.

Review posted by William Steenkamp

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

For some obscure reason I've worked for the last 12 years and never had a prolonged holiday abroad. I'm 42 years old, single and live alone in an apartment that I own although am still paying the mortgage.What has really changed in my life is that I have met my soul mate and we know that marriage is not too far away. So the idea is for the two of us to now take that holiday together. Miami is our choice and although I have saved quite a bit of money, I decided to hold onto the savings for our wedding and take out a personal loan with Santander for the holiday. And that's just what I did.. £5000 over the 60 month repayment period and we wouldn't even feel it. The amount to be debited from my account each month. Comfortable and stress free and we're so looking forward to our holiday. Thank you SANTANDER.

Review posted by Winston Ashton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Car repairs have got to be man's biggest nightmare. Once they start they never end and if I'm not mistaken this will now be the third time that my vehicle visits the workshop and each time the repair costs seem to rise. The problem is that it's not a bad car . The bodywork is like new and the mileage is really low. I suppose it's just a bit of bad luck. Anyway, the good thing is I went to my branch of Santander and explained the situation and within a couple of days I had £2000 in my account at a really fair rate of interest and I had 6 months to settle by way of equal instalments. Let's hope the silly car can keep itself out of the workshop for the next 6 months. Thank you Santander.

Review posted by Bruce Chalmers

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

For some personal reason I needed a personal loan desperately. I do have a bank account and have had the same one for a number of years. It's just that all the people at my branch are like really close friends and when I discussed this with a friend he suggested I approach Santander Bank for a personal loan, which is what I did. The amount I was after was £6000. I am steadily employed and my ability to repay the loan was confirmed and they thankfully approved my loan. Oddly enough I'm even more productive in my occupation because of the loan and will most probably settle this loan in just three months. Thank you SANTANDER.

Review posted by Paul Atherton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We switched account from a comparative bank over to Santander to take advantage of the cash back offer and the low 4.2% loan rate to clear of an existing loan with another bank that was at 8.9% We done this in our local Branch and the loan came back accepted but with a 6.9 % rate. This was still less than we were paying so we still went ahead with the transfer over to Santander.This is banking has been more than helpful with the change over of our accounts. So far we are happy with the new service and getting used to our new online banking accounts,

Review posted by Kate Walker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Been with these guys since the days of Abbey National around 17 years ago. Applied for a 123 credit card a couple of years ago but was refused even though I've never had any debts in my whole life. Unable to tell me over the phone as to why I've been declined, ''its all explained in the letter'' that was sent to me and was told to wait to apply again. So when i contacted my bank to talk about a personal loan to decorate my grandchild bedroom for there arrival this Christmas i was sure i would be rejected again. To my surprise i was accepted and was told i would fill out the documents at my local branch or have them sent out in the post to me. The same week i went down to the branch and had the money on the very same day. Very happy with the service this time around from Santander.

Review posted by Mr A Hill

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I would like to say a big "thank you" to Santander custom service / complaints department.I applied for my personal loan online threw my online personal banking and it did not take long to do as all my banking details are all ready with Santander. This however did not stop silly problems from holding up the funds being cleared into my bank account. I was advised to go in to my local branch with ID to receive the funds, this was a small inconvenience but it was the fastest way to get the funds so i thought, why not, My ID is in my married name and my bank account in my old name, i did not have my old id and it turned in to being a bigger issue than i thought. Thanks to Amber at my local branch who took the time to fix this and let me leave the branch and go back to my work. She handled everything and got all my accounts updated to my married name. Something i should have done but i had no idea i needed to.

Review posted by Mrs L Logan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I love this bank. I hold a business account, personal and ISA, actually I think my credit card with them too. I moved to them from Natwest in 2006 and have never had an issue. I find that the staff are brilliant and if i have received a charge they charge very fairly and literally bend over backwards to help if you have a problem. So recently me and my partner were looking to add a conservatory onto our property and i was looking to borrow £15,000 to help with this. Again just as i though i could trust Santander to help me and the APR rate was not to bad. Not the best i have seen advertised but is affordable. I've never experienced such amazing service from a bank, I can't praise them enough. I am glad i changed over to them, just wish i did it sooner.

Review posted by John M Wilson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have both current account and personal loan with Santander. Their website is really user friendly and online banking with them is really a doddle. Their telephone banking and customer services are great too. I am never put endlessly on hold and the staff are friendly, polite and efficient. There automated phone service is easy to use also but i do regularly use internet banking.I previously have had a mortgage with Santander for 7 years without a hitch. Now this my new loan account it is once again been plain sailing all the way! So well done Santander - at least you have one very happy customer.

Review posted by Isabel Brown

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Most of the time i find the website to be appalling. I do not remember how many times it has locked me account when i am putting in the correct password. Customer service does help re-set this but it is a waste of time. Now i mostly go in to the branch in Wigan when i need anything and they have great staff. Staff are always there to help and i find them to be friendly. When i took out my loan to buy my son his first car i went into the branch to get this sorted out. I know most people at the branch so the whole process was easy. I would recommend there service in the branch, there other services need some improvements.

Review posted by Amber Hopkins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have a loan and credit card with this company. I have received a great service and switching recently to their credit card to save me some money. The transfer went through quickly and i found customer service to be great, as they explained everything clearly including telling me the actual fee and double checking I was happy to continue with the transfer. My Loan account i have had a few years and it will be paid off in less than 1 year so i am looking forward to this. This company has always being nice in helping me and i was surprised to read a handful of negative reviews however my experiences with this bank is its the best I have dealt for along time.

Review posted by Miss Sarah Richie

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Following a loan application online Santander called my house phone just before 10 am on a Saturday morning. This felt like an intrusion when trying to get some earned rest after a hard week at work. Poor judgement on their part to call me so early in the morning, and at a weekend, but they did manage to arrange a call back for the following week for me. This was better and more to my convince i then proceed with the loan application over the phone. In the past i have spoken with trained advisers who speak my own language and Santander did not have this option when they called me. The loan application did take slightly longer with me speaking English but this was successfully completed and accepted by the bank. The process to follow this was around 6 days before i had the money in my possession. The service provided was ok, this can be improved!

Review posted by Ahmed Patel

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was looking to borrow £1,250 to get weekend camping tickets for TITP for my self and my boyfriend. We have been together 1 year this summer and we meet last year at TITP We had been looking at going together but i wanted this to be a surprise so i told him i had to work but he should go with his friends and i would get him a ticket. He had no idea i had a ticker too and we had a hotel booked for the full weekend so we had time to party and time alone. I had to alot of planning and careful though into the wonderful weekend and all i needed was the cash to do this. I done an online application and was told this would refereed. Worried i would not get the money i took my id and went in to the local branch. After waiting around 45 minuets to speak to someone they were able to help. Thank you so much Santander

Review posted by Naomi Watson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Running my own business my time is precious and at times very limited. I would not normally waste time reviewing online but I feel happy with the service i received so i had to. I have never once had to deal with customer service or be placed in to ques or on hold to deal with someone. Online offers me full access to my accounts business and personal and i can link and deal with both of them at my own will. I am happy they offer an email system to contact if i do have any questions. I do not feel the need to contact them as i have applied online for my bank account and person lending accounts. They had a very fast and efficient online service, that works 100 % and keeps improving over time.

Review posted by Jim Randel

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Wife and I both have Santander Select 123 bank accounts and credit cards for more than 4 years now. We never looked back from a switch from HSBC after being a customer with them for more than 10 years but found there products where noncompetitive. So we switched.Recently My wife came up with the idea og having a second honeymoon after being married 10 years so we contacted Santander to look in to borrowing.To be fair, I bank mostly online and generally deal with all everything financial in the house hold. So i applied online for the personal loan before going into the branch to sign the documents together. Select member of staff assigned to us were friendly and helpful, i did not find the local branch to have not quite private banking standards though. Happy with the outcome of the service in the branch.

Review posted by Edmund Stewart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Maybe I have been lucky but in my dealings with Santander over the past four years as a personal account customer, they could not have been better. I am happy that every time i have called or email someone has help me each time. I recently took out a loan to help with my parents retirement plan and changes for there future. I was impressed with how easy this was to do and the process was completed at my local branch. I went in to finalise this today and i also to along my family. I helped my elderly father and mother open a joint account at Santander and it was a faultless experience that has given them and me both piece of mind. I had them open an account as being elderly there closet bank to them now is Santander and this is more convent to them.

Review posted by Kat

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a new customer to Santander, i moved over to them when i took out my loan. Santander offers a low APR rate last month when i was looking to borrow money to make some changes in my kitchen. The APR for loans over £7000 was showing as little as 3.9% and i was really happy and i wanted this loan rate. Online gives you so much information and explains how the loan process works and what happens. I was a little nervous about this but i did apply online. Almost instantly i was called by Santander to go threw some further information with me and provide me with the decision. I am happy to be a Santander customer.I like the Santander website, i have found this easier to use each time i have logged in.I would like to strongly recommend if you are looking to bank with Santander do not read the negative reviews online. Please read the news paper articles and money supermarket service scores as Santander are a wonderful company!

Review posted by Lauren Daniels

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I took out a loan with Santander back in April and have made a few over payments to my loan account, which are perfectly acceptable. I've been checking my balance and i keep and close eye on this threw online banking. Last time i checked it appears that one payment hasn't hit my account and had left my personal account days ago. So I gave them a quick call today to find out where my payment was. 25 minutes literally later and i felt like i was going round in circles! I finally got a straight answer about my own account and the money transfer and the operator said she could see the breakdown of my payments and that they would send me a statement so i could see this for my self clearly.

Review posted by Brian Don

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a Abbey National customer for years and have always received great service in branch. This has now changes over the years to Santander and i have still recieved a great and friendly service. Over the past 12 years or more my banking is mostly been done online where the website is easy to use and navigate. Although there are still occasionally i do go in my local branches where the service is again always good. In all the time i have been with this bank they have kept me updated on all my accounts and given me the benefit to many offers. When i updated my personal bank account to a 123 account i took advantage of this offer with a 3.9% loan rate. I had a loan with another company and this had 2 years left with a rate off over 9 %. Santander helped me with this great offer and when i was accepted i transferred me loan over to them and saved my self a handful of money in doing so. Thank you for always providing me with a great service!

Review posted by Mrs Wendy Law

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a customer that has been happy with Santander. I had a few problems with my finances a few months ago. I felt like everything was getting to much all the payments going out and what was coming in didn't seam to work. My wage was not going to cover everything that i needed it to. I have my monthly bills and expenses for me and the 2 kids not to mention my dog. Then on top of this Rent and monthly credit card payments with interest rate at 19.8% each month,, that i could swore the bill was going up not down. I called Santander for some advise and they gave it to me, they also offered me help! A Personal loan to manage all my monthly payments. I put my credit card and store cards into my interest rate and this saved me money. The APR was 11% less than what i was paying and this saves me soooo much each month. The staff were friendly and kept me up to date throughout my application.

Review posted by Lucy Wright

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We all make silly, regrettable mistakes from time to time and that includes me. I, for some incredibly stupid reason, got myself heavily into credit cards. BIG MISTAKE. I've been paying them off for years and now only use two, whereas before I was probably using six. A friend came up with an idea which was really quite simple. Take out a personal loan, settle all your credit cards and just pay one monthly instalment instead of 6 and at a better rate.I popped in to see my local Santander Bank branch and they were wonderful. They saw that I was really gainfully employed and although the loan was quite a big one the instalments were easily manageable especially as I wouldn't be paying instalments on the credit cards.All I can say is that my life has changed somewhat and all thanks to SANTANDER BANK.

Review posted by Michael Swanson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a Santander Bank client and have on numerous occasions taken out a personal loan just to see me through a sticky patch from time to time. The staff at Santander are all so helpful and efficient that it doesn't take long at all and all with the minimum of red tape. My loans have always been in the region of £3000 which I agree to Pay off over 24 months. This way I'm not under pressure and I've even paid off a few over a shorter period which saves you a bit on the interest charges. What makes it all even easier is that the monthly payment is automatically debited from your account each month. I recommend SANTANDER BANK.

Review posted by Gary Byrnes

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm 44 years old and my 20th anniversary is on the horizon. I love her to bits and wanted to do something special. After much thought I decided that a week in the Algarve soaking up the sun would do the trick. I didn't want to touch our savings so approached our local branch of Santander Bank. They were great and suggested I take out a personal loan and repay over 3 years. Being a client of theirs really expedited things and the interest rate on the loan was excellent. I soon had the money in my account, booked the holiday and enjoyed a second honeymoon without the kids. Thank you SANTANDER BANK.

Review posted by Andrew Maguire

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed to do some renovations at home and it's something I hadn't budgeted for. Also my wife and I had been out to Portugal for a week and spared no expense as it coincided with her 40th birthday.As we've been Santander clients for years we popped into our local branch and were impressed at how helpful they were. When I told them we needed about £7000 they sat us down and worked out the best personal loan plan for us, with very reasonable interest rates making sure that the monthly tnstalments were well within our reach.Obviously there are certain criteria that need to be met, but it certainly helped being a client. We've already started on the work at home thanks to SANTANDER BANK.

Review posted by Henry Newton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a current client of Santander and have been for a number of years and needed a personal loan so that my wife and I could travel to France to visit our grandchildren whom we haven't seen in 6 years.About 8 years ago my son went to Paris on holiday and never came back. That probably explains all. We arranged to stay with our son and do a bit of sightseeing as well and thought that £5000 would cover eveything even spoiling the grandchildren a bit.A personal loan from Santander for the amount payable over 5 years was applied for and approved after our credit worthiness was confirmed. All carried out quickly and with the minimum burocracy. Thank you Santander, we're off on holiday soon.

Review posted by Ivor Jorgenson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have personal account, loan account and credit card with Santander Bank and I can manage everything with there online banking, on my mobile or laptop it is all convenient to me. I also find this a safe and easy service to use, really user friendly, the best part it is FREE.I know my money is safe with Santander, and i know i can continue to save and borrow with them and have peace of mind. When my card details had been used by someone else, the frauds team at Santander automatically rejected the payments and contacted me direct. When setting up a saving account this was done easily enough online and we have a personal account manager at our local bank, who is a delight.My overall experience with Santander has been great and i would recommend this bank to everyone who wants a professional bank with a personal touch to handle there finances.

Review posted by Mr J M Ding

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I find Santander an exceptionally easy bank to deal with over the past few years. Tonight I tried to contact the customer service help desk in connection with a query on my business account. The contact numbers online opening hours are closed so i called up there business help desk and they could not help me, but could give me at least an update on my ongoing query. .Anytime i have called up customer services i have never waited more than 20 minutes for someone to answer my call. There call center agents are always a please to deal with, extremely helpful people. Never have i had any issues when dealing with Santander Bank i have always found them to be professional. Over the years i have been with this bank i have had a number of Santander accounts, with all there diffrent fancy names. However the service and loyal customer rates has never changed, and being able to trust on a bank, in this day and age is a blessing.This year was the first i approached my bank to borrow money. and it was a lot more easier to do than i ever expected. This bank is a complete god send in times of need.. The only reason i would never change banks is that this bank has offered me a outstanding service and a easy set up of new accounts and old account are activity working with no problems.

Review posted by Mrs Amanda Franchises

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When dealing with Santander i got through to speak to someone relatively quickly after a few minutes. I was then passed to a financial adviser who could help with my query. I then spoke to Kirsten from Glasgow who dealt with everything for myself, very quickly. Kirsten was efficiently and in a friendly manner this made it more relaxing to myself. Kirsten asked me someone questions about myself, my situation, how they could help. When i told her i was looking to borrow money to buy a new Motor Bike the conversation really began to flow, was nice to hear someone as interested in motor cross like me. I felt because of this the whole process and call lasted minuets, seconds, Kristen was so helpful.This is the best experience I've had with a call center in a long time, usually they are horrendous and try to get you off the phone after they have your business.Excellent customer service Thank youEd

Review posted by Ed Winslow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a customer that has been happy with Santander for a while now. I had to cancel my direct debit to pay my personal loan with them and then had some issues paying manually. I took out my personal loan and joint bank account with Santander as they offered a good rate and that really whats important to most of us,saving money. My direct debit was set to leave my new bank account in to the loan account, and i could see this all online. (online banking is great service) So my payments were find in the first 4 months and then the 5th month i have some issues.I went in to the branch who first told me they had technical issues to see on there system and offered my a phone to call up. Then I had to spend nearly an hour on the phone to find out why my loan payment was not taken as there was funds in my account. The staff were friendly and kept me up to date throughout this despite time as it turns out my card was tried a number of time abroad. I was both frustration for myself and the agent when a technical issue was preventing them from helping me in the branch. Eventually i went home and was promised to be contacted. Turns out due to someone trying to use my card fraudulent they had to stop my bank account, and all action on this. In doing so stopped my loan payments. I have been assured of two separate occasions my credit will not be effected and also no charges or fee's will occur. I am happy with there service so far, even with a little glitch this company fixed the problem with a happy situation. Keep up the good work

Review posted by Mr Bill Monomia

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was finding it quite stressful online to apply for a personal loan with Santader when i only have my student account. So I rang the UK Santander team for help. I was put through to a member of the team who i was told could review my lending options. He could not have been more helpful and made the process stress free and easy for me. I couldn't be happier with the service I received from them over they phone, and I will definitely be ringing back if I have any problems in the future, as they are so nice people and easy to talk to. I am now waiting on some papers to come in the post for the loan process to be finalized, i was told this could take around 5 days. I recommend anyone who has not yet opened an account, to ring Santander and open one with them. I would like to think i would not use any other bank.

Review posted by Mrs Hannah Jayton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have had some moments particularly in the beginning which left me frustrated with the level of service but in say that it was in away only to be expected when transferring everything to a new bank.There personal loan account is beyond comparison to any other bank when it comes to APR, they do not only advertise low rates, they accept and offer there customers them.Their online service is good and they have secure logging in system and a helpful customer response team online for their internet customer base.Changing over to Santander due to horrible on going service from another bank, it was around 3 weeks (give or take a few days) to organise this, at the time it was horrible and long. Now being an active customer and all my accounts and services are up and running and 100 % accessible to myself i can safely say overall I am glad I am one of their customers and I would highly recommend them to friends and family.

Review posted by Brian Miller

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The thing that inspired me to write a review was the idea of saving money with this bank. (I have written a few reviews in my time, mostly based on bad experiences or great ones with companys)I changed my personal loan account from Barclays to Santander about 2 months ago. I feel its not a hard job to improve on Barclays customer service but changing to Santander has been much better than i anticipated.I had my loan with Barclay's since 2012 and i am paying more than £260 a month on payments before i get around to bills, rent and groceries. At the time it was the best rate i could get when i was looking to buy my Car but the monthly payments are getting beyond a joke to manage. I did ask Barclays if they could do anything to help with this, an as always they were not helpful. Nothing has changes her.Santander offered me a 3 year loan to bring my loan over to them with a month payment of £184.54 per month, this is a great savings and the APR rate is lower than i was paying with Barclays.Thank you Santander for saving me money everything month and the whole process was easy. Santander contacted braclays paying off my loan and tranfer the balance to them, i did not have to do anything. Very impressed

Review posted by Samantha Jones

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a Santander (Abbey National) customer for years and have always received great service from them. Over the past 10 years or so my banking is mostly done online where the website is easy to navigate, although i still occasionally visit my local branches as they still off a great service. When i comes to dealing with new accounts or documentation or identification everything is done much fast face to face. You would not believe when applying for a loan i had to make an appointment online nearly 2 weeks in advance to see Mark in the edinburgh Haymarket branch. I am glad i did, being told in advance what to bring with me my lan application was done there in then and i walked out of the bank with the funds cleared in my account. Just one of the many great services they still offer loyal customers. Now with the 123 accounts i open online this week it honestly beats all other bank accounts hands down, you can't go wrong with this service.Adam Lothian

Review posted by Adam L

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander have been my bank since i was 16 years old. My mother at the time opened this account for me and i have always kept this open, i have always done my banking with Santander. Im now 40 years old and planning in November to move into my own apartment closer to the city center of Manchester. My parents now elderly and retired i have now been placed and settled into a retirement home. Wanting to keep my parents together i placed them in a private facility in the countryside. When coming to paying for this it is an anual fee and i did not have £15,000 up front. Waiting on my parents property to sell on the market to pay for this was taken weeks , that turned into months. So when i came close to the time for them to check in and he bill to be paid, i turned to Santander for help, like my parents always had.Thank you so much for all your help, Also a big thank you for lending me to help with my parents while the house, is still on the market. Any one looking for a 3 bed, 2 bath town house in Lancanshire? ha ha

Review posted by Mike Spencer

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was time for another car. I was paying repair bills almost on a monthly basis and that had to stop. I located the vehicle I wanted and it was a beauty. Not new but almost and the dealer wanted £12000. He kindly offered me credit but I knew I could get better. Being a Santander client I felt it right to approach them for a personal loan and did so at my local branch. They were really on the ball and assisted me in every way.I have a steady job with a reasonable salary and after the regular financial and employment checks the loan was approved. I signed the loan agreement and chose to pay the debt over 60 months which suited me down to the ground, using the direct debit. I have to thank Santander for their help as I'm crazy about my new car.

Review posted by Malcolm Harrison

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A little while back for personal reasons I needed about £5000 to sort out something. I am a client of Santander Bank and have been for many years so I visited my branch and spoke to one of their loan advisers and was taken aback with their helpfulness. A credit check was done right then and there and knowing my history the loan was approved immediately. Just a little bit of red tape followed and the loan agreement was signed with me having to pay back the £5000 over 36 months at a really fair interest rate via a standing debit order. This way I wouldn't forget and wouldn't really feel it either.Thank you SANTANDER BANK. You're the best.

Review posted by Sebastian De Lorenzo

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been banking with Santander for as long as i can remember. I have never had a problem when using there services. I use my bank account daily, and on occasions i do use my credit card i have with them. I have over the years come to trust Santander and i do have a ISA account with them for my children and i have started to save for there future. More recently my wife and i have taken out a small loan to help with a kitchen remodel. Thrilled that this was done promptly and swiftly over the telephone for us, i can honestly say i have never been more happy with the years.Over time learning to trust a bank has been harder with branches closing down and banks merging with other company's. I am grateful that Santander have always managed to provide that reliable service that i have growing to trust.

Review posted by Ben Miller

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My local Branch for Santander closed down some time ago in my small town, so when this happened i opened a small checking account with the local post office. This helped with my wages and paying small pay slips in person to someone and its a 5 min walk and not a 45 min bus drive or 20 min taxi ride. This small account has been convent to have, in saying this i do still have my accounts with Santander.A few weeks ago our family suffered a loss of a loved one, on my father side of the family in spain and the post office rejected me for a small loan to go over to grief with my family. So i called up santander to see if they could. The process was a lot faster as i still had my accounts with them and i was able to borrow £1200 so i could go spend time with my family in spain. I took this out over 1 year and they were happy to set up re payments from my post office account that i can pay monthly myself. Grateful for the service i have received , thank you

Review posted by April Maroneti

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When it came to the new extension on the house, i knew i wanted my own bank to lend me the money. Haven all my saving and investments with Santander since as far back as i can remember there was no doubt when it came to looking to borrow where i would turn to...... IF only know this made the whole application process any easyer.... Online banking is where is problems started, no local branch and work house always conflicting with opening house when i call was a pain. I tried to log online repeatedly, and they have a mass of security setups. Getting hold on the help desk, the re set of the took me around 2 hours. To safely verified who i was, and then the process to reset all my security info for online banking. (now all safe in my brain) I will not have a issue login in online. the whole process was time consuming and a little mind numbing, but in the end i feel there online banking security is TIGHT , nothing getting passed them.Finally once that was all done applying for the loan was simple, and the decision was pretty quick too.Glad i stayed with my own bank the did help me out in the end, and i trust them more due to this experience.

Review posted by Jomar

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

In my personal experience with Santander Bank i found there website to be very user friendly in the setup process. Its services are extremely helpful and the website is simplistic in design and easy to navagate and manage around. Being a new customer it is good to see how easy these things are and how clear to see, so when it comes to loggin on and using the service i will know where everything is. This also makes answering your own questions easy and you can see or find the answers your self, and starting the application process online was very easy. When taken out a loan it is a long process as there is quite a bit of paper work and identification that's has to be provided, so this process has taken me around 2 weeks to get finalized.I would like to thank everyone who has helped me set up me new accounts and welcomed me to my new Bank. Thanks again

Review posted by Alexander Robertson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Christmas on the way and the family wanting to be spoilt so the logical thing at the time was a small personal loan to keep them all happy including my wife who believes that we should save all year and spend at Christmas time. So with my wife's knowledge and approval I visited our local branch of Santander and requested a personal loan of £4000 that would certainly help to add a bit of Xmas spirit to the occasion..Santander were great and the loan was approved almost immediately. I suppose being a Santander client helps. It was really so simple . A direct debit order over the 24 month repayment period and that was that. Christmas shopping will begin next week. Thank you SANTANDER.

Review posted by William Crawford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed some emergency funding and as I have a Santander account I figured they were the best place to begin to see if I could borrow some money. They have always been a helpful bank and I have had good service from them, so it was worth a try.I looked at the website to calculate my repayment monthly and found that it was affordable. So I proceeded to complete the loan application. It seemed a painless process and as I seemed to have met the requirements, was allowed to borrow the funds I needed, thank goodness. I was glad too, that I could repay early if I was able, so this was a win-win situation.

Review posted by Jill L.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

From the reviews I have read, this company seemed a good place to obtain a loan. I did not have an account with Santander, but I did have an account with another building society, which seemed to qualify.I had a look at their website and used their loan calculator, which was very handy, I believed that I could comfortably make the repayments monthly so decided I would give the online application a try.I have to say that I found the application process easy to understand and I did like the idea of being able to over pay without being charged. Everyone's budget changes from month to month, so I figured I would be able to pay off the loan quickly. What a blessing. They made the funds available fairly quickly too.

Review posted by Liz K.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Finally my Santander 123 Current Account is paying me dividends in the form of a very competitive APR rate for the personal loan I have just taken out with them.Before approaching Santander for my loan I did the usual online search with the help of the Readies comparison website so I knew what the other lenders were quoting in terms of APR . Santander had to match that and some more for me to be happy and go with them for my loan and I am glad to say they did.I will always check out the competition when it comes to something as important as a personal loan but it is rather reassuring to know that my own bank is the best option for me personally and I hope that continues to be the case for many years to come.

Review posted by Daisy Piggott

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My fiancee's family are quite well off and just a little bit posh but only because they cut the crusts of their sandwiches and have cocktails before dinner. Once they even went to Buckingham Palace for some banquet. But once I got to know them properly I realised they are just like my own family but just have a bit more money.So when I was planning to propose to my then girlfriend I was determined to do it right and with a suitably impressive engagement ring. And that's where my 123 Santander account came in handy.I applied for a personal loan to cover the cost of the ring I had seen and also to pay for a weekend in Paris where I was planning to do the proposal. I was approved the loan with a very competitive APR with a monthly repayment schedule that wasn't going to cramp my style too much. After all I still have to be able to impress the future in-laws.We are planning to get married in 2017 by which time the loan will be paid off and because her parents are insisting on paying for the wedding, I won't need another loan for a while unless I decide to upgrade my current car to something a bit more in keeping with my future father-in -laws Mercedes.

Review posted by Leo Perkins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been with Santander for a few years now and only ever really use them for the day to day stuff. So this recent personal loan from them is a big deal for me and I was very nervous about taking it on. But because I knew I was getting a great deal from them compared to some of the other lenders I looked at and because the repayments weren't too scary I decided to stop worrying about it and just get on with enjoying the reason I took out the loan in the first place.So it's New York here I come and I can't wait to finally get there next month when I will meet up with my old uni pal who is living there. She has already planned my agenda which includes the all important shopping trip to Bloomingdales. I am glad to see she hasn't lost of love of shopping but I am sure we'll squeeze in a few visits to some of the more cultural tourist attractions as well.

Review posted by Patsy O'Donoghue

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Kids always seem to end up the priority! All worth it though :)My little ones have been asking for a pool since my oldest could speak, I just always had to answer that we would go to the public swimming pool on the weekend. I never had quite enough in the savings account and it was obviously an "extra". When my sister took out a loan from Santander for a personal emergency, she told me it wasn't such a drain and she did not suffer long-term for it. Went for a smaller loan but enough to cover and just re-arranged my monthly budget to allow for payments. My kids are certainly happy and will recommend you any time!

Review posted by Sandra Litski

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've had so many issues in the past at my local branch in Bloomfield NJ. I had an emergency and was running late after the bank hours when I REALLY needed cash and the manager actually helped me and wasn't annoyed with me. If anyone is under stress you can imagine what a nice gesture really makes a person feel good and I'm so thankful for what they did for me. He's a new manager Maikel I think his name and more managers should be this way of putting customers first. I read mean reviews for this bank in many states and it's a shame. The system is a bit slower but I like great service. A good branch needs a good leader. To all the workers in Bloomfield, Thanks so much!!!

Review posted by Peter Crownfield

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Keith, at the Vineyard Haven branch was so helpful to me today, and I'm not even a Santander customer! I left my bank card at the drive up window over the weekend and was quite concerned. He was incredibly responsive, polite, effective, and very personable. The quality of service he provided has me considering switching my banking over to Santander. I highly recommend popping into your nearest Santander for more info. they are kind in of to give it to you, don't bother wasting time with other companies who treat you just like another simple customer! Santander made me feel very comfortable!

Review posted by Luna P.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

have to say i am 100% happy with my recent experience with santander mortgage division as well as a local branch, which i subsequently opened both checking and savings account. The mortgage process was expedient, relatively easy on my part and the people were fantastic. I really have nothing negative to say. The people and branch i am referring to are in the suburbs of philadelphia. In fact i am leaving wells fargo due to the superior service all around from santander. Please do try them before you try any other company, they'll have a solution for you, and trust me, they will not scam you like most others!!!

Review posted by Agnes Pole

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been their customer for the 123 account for the last 5 months and it's been ok so far. The -1 star is for 1) they're increasing the monthly fee from £2 to £5 in January, which is a whooping 150% increase; 2) their cash-in machines are antiquated: you put the money in an envelope and _state_ how much you've put in and some time at the end of the day some clerk actually opens the envelope and counts the money and that's when it gets credited. So the cash-in time via machines is 2 working days. Also they don't say this, but the envelope needs to be pretty thin, if you stick a £1k stack of £20 bills in it it'll jam (gave me quite a scare).Other than that I'm quite pleased with them. 3% interest, cashback on direct debits, all duly paid. Internet banking doesn't require a token (which is good and bad), instant sms alerts for transactions (if set up)

Review posted by Leanne Johnson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was in need of a personal loan. My mum just had a stroke and nor I of any of my brothers and sisters could look after her as they were all living abroad. I had to work full-time as I has my own 2 children to look after. In the end I decided to try and find someone who could actually look after properlly and givee her the care and atention she needed. I found someone, but I really couldn't afford her so I decided to try Santander and they were very helpful and sympathetic. They understood my situation 100% and gave me the extra funds I needed. I highly recommend to everyone, today it's me, but tommorow it can be you!

Review posted by Laura Stahl

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Once I had used the Santander online loan calculator tool it didn't take me very long to decided to go with them for my personal loan. If only everything in life could be so straightforward.Within a few minutes all the answers to the questions I had were there in black and white and I was able to go through each aspect of the quote to reassure myself that I wasn't taking out a loan that was going to compromise me financially for the next couple of years.I haven't been a customer of Santander for very long but so far I have been very happy with the service I receive and this loan just proves to me that I made the right choice when I changed my bank and went to Santander.

Review posted by Mervyn L.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

None of my friends bother to save up for things and when they want something they just borrow the money. I didn't realise borrowing money was such a common thing because my parents had always told me to save up for anything I wanted and never get myself in debt.So when my best friend suggested I stopped wasting my time trying to save up for a cosmetic procedure and just get a personal loan I wasn't sure if I should take her advice.Then I found out my parents had just got a personal loan from their bank to pay for a new kitchen and I couldn't believe their hypocrisy.Without wasting another second I went online and started looking for a suitable lender, which in the end turned out to be my own bank Santander.Within less than a week I had made the online application , got it approved and then Santander confirmed the loan and transferred the money into my account.My next task is to go online again and find a suitable cosmetic surgery clinic and I just hope I get as good a result with that as I did with my loan from Santander.

Review posted by Danielle M.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thanks to this personal loan from Santander I can now expand my collection of ballroom gowns. I have been into ballroom dancing ever since I was a 7 year old and my parents helped me to get where I am today as a semi professional dancer.But the biggest expense has always been my wardrobe and the ballroom dresses in particular aren't cheap. Mum and did what they could to contribute to the cost of them but because they are both retired now I wouldn't dream of asking them for money now.This loan is something I should have taken out ages ago because I have been able to borrow enough money to buy the 4 dresses I need for my next competition. The interest rate is very good and just as competitive as most of the other high street banks. But the most important factor for me is the easily affordable monthly repayments that Santander have set out for me. It means I can concentrate on my dancing without worrying about struggling to pay off the loan.

Review posted by Alesha Packard

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a good client of Santander for a number of years and have been waiting for the right time to do the planned alterations to our house. The reason is that the twins are growing up and no longer want to share a bedroom. The work needed was in the region of £7000 and knew that it would also increase the value of the property. I went in to speak to one of the representatives at my local branch and she was so helpful and arranged everything. She even advised on the repayment structure allowing me to pay the debt over 4 years in equal monthly instalments at a really good rate. I suppose being a client helps. Santander are helpful, efficient and fair.

Review posted by James Wharton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am an existing client of Santander Bank and found myself in a bit of a spot a short while back. I had run up a few debts and were paying them off on a monthly basis at exorbitant interest rates. The idea was to settle them all and just pay one monthly instalment. I approached my branch of Santander and requested a personal loan of £10000 whiich I'd repay over the full 60 month period. My credit record is pretty good and I've never defaulted on a debt. The loan was approved and obviously knowing my track record the money was made available to me very quickly. I've since settled those bad debts and it has saved me a fortune. I thank Santander for their help and urgency in handling my case.

Review posted by Jeremy Fletcher

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was seeking out a bank or loan company to fund some extra expenses that were coming up in our household. The interest rates at the high street banks were not very good, so I started to look at other lenders. I came upon information that showed me a better way to loan money and that was Santander. So I researched their website and liked what I saw.I went on line to look at their application and plugged in the amount I considered borrowing. I was able to see what sort of interest rate I would get for that amount and what the repayments would be. A very handy tool that calculator. I continued with their application process and requested a quote for the amount I wanted to borrow. It was a quick and easy process and I was very happy with the professionalism Santander exhibited.

Review posted by Sam D.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My husband and I wanted to take a cruise for our anniversary, rather than using our savings, we thought getting a loan would be more appropriate. We researched on line using Readies comparable sites and decided upon Santander as the most viable lender.We applied on line and considered the interest rate we were given to be fair and the repayment terms and amount also reasonable. Their loan process was pretty easy and not complicated and we liked the calculator to determine the interest rate and monthly payments. We proceeded with the application and it was not long before we had the funds to book our cruise. We are very happy with Santander.

Review posted by Mary V.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I changed banks and went over to Santander a couple of years ago after being turned down not once but twice for a personal loan with my previous bank. This really annoyed me because I had never had bad credit or gone overdrawn in my account and I can only assume it was because I wasn't earning a huge salary.Well nothing has really changed with my personal circumstances now apart from a small wage increase a few months back, so when I applied for a personal loan with Santander and they said yes I was delighted but was waiting for the terms and conditions of the loan before I got too excited.As it turns out, I have been given a very competitive loan with really affordable repayments and I just wonder why my previous bank couldn't have been more understanding and co-operative.

Review posted by Jack Wainright

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This is my first ever loan and it is only for a grand but it's a grand that I really needed to help me out of an awkward situation with my landlord and without it I would be looking for a new place to live by now.I wasn't sure I would get the loan because I am only just turned 21 but I have been with Santander since I was 18 and haven't had any problems with them. If they had refused my loan application I would have had to resort to the bank of mum and dad and I really didn't want to do that.So I just want to thank Santander for the loan and for saving me all the 'We told you so' comments from my parents.

Review posted by Calum McCarthy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was basically out of a type of loyalty that my wife and I decided to apply for a personal loan with Santander bank. We lived a few years ago in Spain and used Santander Bank for all our banking requirements. Since having moved back to the UK we continued to use them and when needing to borrow £3000 last month, it seemed the right thing to do to ask them, although I had heard that maybe other banks offered better deals. The thing is, we are used to Santander and have had no complaints in the past. As we have a 123 Current account we were given special interest rates, which were significantly lower. Also we asked for a deal whereby, we could pay back the loan before the final time, should we wish too, which was possible. We initially had used the online calculator to work out what our monthly repayments would be but they were actually lower than we predicted. Overall we cant fault them and can therefore with an open heart recommend them.

Review posted by Mark Cornick

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander is a well known bank in the whole of Europe I believe. I saw them also in Portugal when I went on holiday not long ago. It is always more comforting and reassuring to feel you are applying with a well known institution, so, based on this we opted to take out a personal loan with them. We do not bank with Santander, but we do bank with someone who uses direct debit system, which was a must, from Santander´s point of view. Also I´m 28 years old so I met that requirement too, and for both these reasons I took a chance and asked to borrow £2000 over a 24 month period. The interest rate I was quoted seemed about average so I didn´t feel cheated. The rep I dealt with was very polite and helpful and the loan was approved with no problems. Ive been paying them for the last 3 months and so far I have no complaints. Its all running as promised.

Review posted by Ana Lopez

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I live in Liverpool, I´m a 24 year old young man and single. I decided to refurbish my apartment and applied on line to Santander, bank via Readies.co.uk. I wanted £3000 and to pay it over 36 months as I did not want to feel a big chunk of my wages come off monthly. I did not have an account with them but decided to open one to make it easier. They were very friendly and helped me throughout the whole process. I think they were concerned if I could pay it back , but obviously were reassured and approved the application. Now I , tks to them, can upgrade and get new stuff.

Review posted by Peter Savage

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I earn £600 per month which I realize is a low wage, but I control my money well and even manage to save every month. Obviously the main reason for this is that although Im 24 years old. I still live with my parents which means my expenses are very low. I bank with Santander Bank and this summer my male friends went for a weeks stag party in Lisbon. I was invited. Obviously we each had to pay our trip and hotel as well as all the expenses and I was tempted not to go as I did not want to dig into my savings. The temptation proved too big and in the end I felt that borrowing from Santander would be better for me. I applied to borrow £1000 and offered to pay it back over 12 months. They did the maths I guess and must have decided I could afford it as they accepted my application. I had a great time and am pleased I approached Santander has all has been smooth.

Review posted by Frank Taberman

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As I needed some help financially I thought maybe I should take out a personal loan rather than use my credit card as I know the interest would probably be a lot higher. I made some calculations using the calculator provided and compared 5 different banks to see which one was the best deal for me. I think that by my calculations Santander slightly saved me some money...so I applied to them. £4000 over 48 months meant an acceptable monthly repayment and I made sure I asked them to include the option of paying back the total loan with no penalties, before the time, if I ran into unexpected funds. I hope they treat me right . So far they have.

Review posted by Gerard White

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My best mate's stag party had been arranged in Albufeira, Portugal and that kinda took me by surprise as I thought it would be at home. At the time money was a bit tight and although I didn't need too much I also didn't want to be there all tight fisted. I am a client of Santander so popped into our local branch and asked for a personal loan of £3000 to be repaid over 24 months so I wouldn't really feel the instalments. It took a very short while and the loan was approved. They carried out the usual credit checks and knowing my history the funds were transferred to my account the next day. WE all had an incredible time, something my friend will never forget. Thanks a lot SANTANDER.

Review posted by Mathew Glover

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was getting engaged. It had to happen some time. We'd been together for three years and we both decided we didn't really want anybody else. Now all I needed was some extra cash for the ring and the party. All her friends and family and all my friends and family. There was no getting away from it.Santander came to the rescue. I went in and spoke to one of their representatives about taking out a personal loan for £5000 and was pleasantly surprised when the loan was approved very quickly indeed. A few checks were carried out to make sure I was employed etc. They felt I was no risk and I signed the loan agreement choosing to repay the loan over 36 months which suited me fine. They were really understanding and professional and the money was in my account soon thereafter. SANTANDER are great.

Review posted by Alan Richardson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been banking with Santander for a number of years and have often used them ror the odd loan and have always been satisfied with their service.So this time I needed a bit more than I usually ask for as the wife and I wanted to take a little holiday while renovations were being carried out on our house. Our eldest son would be home to watch over things. So we popped into Santander and asked for £10000 repayable over 5 years and within a very short while the loan was approved and all that remained was to sign the necessary documents and the money was ours. Our creditworthiness must have been satisfactory.We were really pleased because everything we had planned had happened and it's kind of given us a new lease on life. Thank you once again SANTANDER.

Review posted by Julian Morrison

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a client of Santander for many years and have appreciated their customer service always. This was excellent once again when I went in to the local branch and sat down with one of their representatives and requested a personal loan of £10000 to replace my old vehicle with one that was practically new. She was really helpful and after a few checks the loan was approved. I was then assisted in structuring the repayments so that the best rate could be achieved and also the period to make the instalment easily manageable. I had access to the money the very next day and am now driving my dream car. Thank you SANTANDER.

Review posted by James Carstens

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

With Christmas not too far away my wife mentioned what a pleasure it would be if we could only do all the Christmas shopping early this year. The reason being that it all takes up so much time and we have such a big family. Also buying presents for so many costs a fortune and we normally wait for our Xmas bonuses before we go on the shopping spree.I agreed with her and she agreed that we get a small personal loan and then take our time and enjoy this year's shopping. We visited our local branch of Santander and asked for a personal loan of £4000 to be paid off over 2 years although we believed we'd settle it sooner. They were great and the loan was approved very quickly indeed. They had all our details and the money was in our account within a couple of days. Merry Xmas to everybody and to SANTANDER BANK.

Review posted by Barry Dempsey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When Santander approved my personal loan I was delighted and relieved. I have only been banking with them for the past 8 months having opened a 123 account with them and I was hoping I would get the loan with a favourable APR rate as well as monthly repayments that wouldn't stretch my finances too much. Using their website's loan calculator tool gave me a good idea of what to expect if the loan was approved.Santander came through on both counts and the whole loan package is better than I expected. I am so pleased I chose to switch to Santander and I hope this very acceptable personal loan is a good example of what to expect from Santander in the future.

Review posted by Ian

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Once I had used their website loan calculator tool and got a rough idea of what Santander would potentially be offering me in terms of APR and monthly repayment figures, I decided to go with them for the personal loan I needed. I wanted to get the loan through them if possible but it had to be competitive otherwise I would have looked to another lender.The loan comparison websites and the loan calculator tool were so handy when I started looking into getting a personal loan as it had been quite a few years since I borrowed money before and I was a bit out of touch with current rates and things.So now I have got my very competitive loan from Santander and I have also brought myself up to date with all that's on offer from the banks and other lenders and I feel I have achieved and learned a lot in a relatively short period of time. Not bad for an old guy like me I have to say.

Review posted by Geoff Taylor

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed another car and being a client of Santander for many years I thought it sensible not to accept the line of credit from the dealership and rather get a personal loan from SANTANDER.. I went into the local branch and they were super helpful. I asked for a personal loan of £10000 to be repayed over 5 years. The loan was soon approved at a really good rate with the instalments easily manageable. There was a minimum of red tape. All that was required was confirmation of employment and residence. A real benefit is that it is an unsecured loan so there is no way that your home could be put at risk.Well done SANTANDER.

Review posted by Edwin Masterson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A personal loan of £5000 was what I needed to make this Christmas holiday special for the family. This year was going to be somewhat different as we had family visiting from South Africa who treated us like royalty when we visited them a couple of years ago. I visited our local branch of Santander and their rep was ever so helpful and in a matter of a few minutes the loan was approved. I suppose being a client helps. They still carried out a few credit checks and I then signed the loan agreement and chose to repay over 24 months which was perfect. The money was transferred to my account the next day.My thanks to SANTANDER.

Review posted by Dennis Banner

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The family was in dire need of a second car as there were three of us using the same vehicle now that our son has his driver's licence. He is like a baby with a new toy and works part-time only. His mother suggested we approach Santander Bank for a personal loan and buy a quality second hand car so that it at least eases the burden and that's exactly what we did. We found the vehicle and asked for a loan of £8000 to be paid off over 4 years and the loan was approved without much ado. I liked the fact that the instalments were debit ordered and also that the loan was unsecured so no risk on our house. My son is overjoyed and so am I actually all thanks to SANTANDER.

Review posted by Andrew Donelly

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been banking with Santander bank along time and just recently joined the online banking world. I have always enjoyed the pleasure of doing my banking business face to face,but our local branch closed down a few weeks ago and Wendy my old financial planning manager signed me up for online banking. There is alot to remember but I am glad there is many security checks to be done and you can even choice the ones you prefer. I have been happly learning and playing around online to get use to this diffrent option of banking now. Not that my closest bank is 45 / 60 minuets away with no traffic I won't be getting any face to face time anymore.I saw Santander advertise a new loan linked with there bank account and he had a look online to see the conditions of having this option. I thought I would be more like a flexible option or a loan attacked like an overdraft. It was just advertising a lower rate if you opened or helped this type of account. I did and I was looking to borrow a little to fix up my old kitchen. I have not done a remodel since my children where in hight school and there now growing and out the house. So I applied online and it was simple because they all ready have all my info and details they needed. I was approved after a few minuets and I requested the paper work to be sent in the post just for my own copy and this was done also, this a email copy too.Very hayy with the service santander offer online, it's just a shame about close so many branches.

Review posted by Miss Penny

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I moved over to santander bank a few months ago as I ran into some problems with my old bank wheb I quit working for them. I lost out on many employee benifits and rates and they did not offer the best standard customer rates on the market so I moved over to santander. I started with my bank account and savings then I opened a credit card last month and moved my balance over from my old card. I am now up and running with there online banking and all my standing orders have been set up as well.Everything seams to be running well with me and so far so good. They offer very competitive rates on the market with alot of diffrent accounts, I do know this can change at any time in this day and age, but I have been slightly impressed with Santander.I am waiting some further paper work to take out a personal loan to cover the last and out standing account I have with my old employer. Even with the highter rate I am paying with Santander it is no were close to the rate my old bank was going to give me after I quit. I am glad I made this change it has taken me a number of months to get everything organise but I am glad I done it.

Review posted by Bill

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had a loan with RBS for 18 months and I was happy to keep this with them and continue to pay, but RBS had other plans.I missed 1 monthly payment with them and I called them up to explain my situation and no one wanted to listen I tried speak to a rep and there supervisor and then I waited 3 days on a phone call from a manager. Nothing happened, I was then angry and even more thrustrated when a letter came to inform me they were going give me charges and this would effect Mt credit rating. I tryed again several times to speak with someone then I gave up. I changed my loan provider over to santander and called up RBS when I had the funds 10 days ago I pay there loan off. They were more than happy to try and fix the situation now when I called to pay. I paid the full balance off and gave them my opinion on there service.I am glad I have changed over and I hope santander are as helpful to me threw out my 2 year loan as they have been to set this up. And also now i took there option of there payment protection plan.

Review posted by Harry

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have always had a standard Bank account with Santander that I put money into every month automatically. Then January this year the offer me a upgrade off my account to an 1 2 3 bank account with a chip and pin debit card. There was many benifits in doing this but I liked haven a deal of a 12 months free 223 account saving me £5 a month. I beleive this was an offer as I have always saved with Santander never banked with them my wages or daily uses. I have always used a joint account at another bank. I took the upgrade to give the account a try and before long many other offers came in the post. I saw many flyers off deals with Santander and then the advertisements on tv. I spoke with my partner and we decided to give them a try as a bank and opened a joint account with and since January we have now applied for a personal loan online. We have been accepeted and waiting on the paper work now. So much advertising pays off

Review posted by Bradly

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I decided after working 2 years at a crummy cafe I was going to go back to school and get My highter. I left school at 16 and had been working till now, going from job to job never really happy. So going back to school was my option and I appled for Stevenson college and was accepeted in September. I'm still working full time as well at night in a local bar where I stay and it pays the bills. With Xmas coming up and new years and things I can get more hours in at work, but also I am worried I can afford Xmas as I have such a big family. I applied online with Santander a few weeks ago to borrow £1200 to help me. I took this out over 12 months and I hope I can be in a better position this time next Xmas. .

Review posted by Leanne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have had my Santander personal loan for around 6 months now and have no quads with the service. Everything was organised online and I liked the policy with Santander loans there will be no increase in my payments threw the years I have taken the loan over. Their interest rate on the personal loans i have is only 4.3% APR on my £6,200 and I feel this is not to bad and I can afford to pay this off over the next 4 and a half years. The payment have been taken monthly from my bank account on the day agree and if the service continues like this I will have no problems with Santander and recommend them to my friends and family.

Review posted by Liam

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a client of Santander for many years and I found myself in dire need of a lump sum for a second hand vehicle for my wife and son to use so that my vehicle is mine to use whenever I need it.I popped into our local branch and spoke to one of their representatives who was very helpful indeed. I asked for £8000 to repay over 4 years and without much fuss the loan was approved. Certain credit checks were carried out but my credit score is high and the money was soon in my account.We now have the second vehicle and our lives have changed and all thanks to Santander.

Review posted by Harry Ball

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm just a little bit gym crazy and I assure you that it's not to watch all the beautiful girls training. And here is the proof. I train every day before work and the amount of time that I spend and the stress I'm under on a daily basis to get to work on time is really stressfull.I knew of another gym crazy guy who is totally upgrading his own gym and was quite prepared to let me have his ''old '' gym which has all the equipment and then some for a paltry £5000. Because I have an enormous leisure space at home it would suit me down to the ground.I went in to Santander and as I have an active account with them I asked for a personal loan of £5000 which was approved immediately. They know my history and so I signed a debit order to deduct the instalments from my account over a 2 year period. I had the money in my account the next day and now have my own gym which will also save me plenty. Thank you SANTANDER.

Review posted by George Duff

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I were married almost ten years ago in the Algarve in Portugal and we thought it would be a lovely idea to go to the Algarve again to celebrate our 10 th wedding anniversary as we've not been back since. We agreed that the memories would be wonderful. Being a client of Santander and not really wanting to use our savings we popped into our local branch and requested a personal loan of £ 4000 which would quite easily cover flight and hotel bills.The young lady that helped us thought it was a great idea and the loan was approved. Our credit history was well known and after signing the loan agreement we had the money in our account. We asked to pay off the loan over a 2 year period which suited us fine. Needless to say we had a great time and it felt as if we were on honeymoon again. All this was thanks to SANTANDER.

Review posted by Bruce Langston

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Being a Santander client it still impressed me so much when I applied for a personal loan a short while back. I went in to the branch and spoke to one of their representatives who was ever so helpful. I asked for £6000 and gave all the necessary details and they carried out a very quick credit check and the loan was approved. Their rep even assisted in structuring the repayments in a way that would not put too much pressure on the pocket. It was decided that a three year repayment plan would be the best using the direct debit facility.All in all great service from a big bank. Thank you SANTANDER.

Review posted by Francis Banner

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Our goddaughter was getting married and decided to do so in glorious Venice. We were invited to the wedding and of course we wanted to be there. We felt that the occasion was big enough so we applied for a personal loan with Santander. We are Santander clients and chose not to use our savings. So we visited our branch and asked for a loan of £4000 which we'd repay over 12 months. It was affordable and Santander were so helpful. Knowing our credit history it wasn't long before the loan was approved and the money made available.We thought we might even spoil ourselves a bit and stay on for a week after the wedding. So pleased to have SANTANDER around.

Review posted by William Preston

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It wasn't too long ago that we needed a sum of money just to carry us through a tight period. My wife and I are both employed but due to a run of unforeseen expenses we found ourselves in a position where a personal loan was the convenient thing to do. We have a joint account at SANTANDER so that's where we went and applied for a personal loan of £6000 to repay over 3years . They were really helpful and knowing our credit history really well the loan was approved and the funds made available after the usual burocracy which was a matter of a couple of days. We thank SANTANDER for their promptness and will always look their way when we need to.

Review posted by Dermott Cooper

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been banking at Santander for a number of years and felt now was the time to make use of all the services they offer which are beneficial to account holders. I had to do some alterations at home which included some exterior work on the leisure area for security reasons too. I went in to the local branch and had a chat to the bank manager and before long my personal loan of £12000 was approved with me agreeing to pay off the loan over 5 years. This suited us down to the ground as the instalments were manageable and we knew that the work we were doing would surely add value to our house. As soon as the loan agreement was signed we had the money in our account and were ready to start work on our home. We thank Santander very much and would recommend them without hesitation.

Review posted by Charlton Madison

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was time for my wife's kitchen and bathroom revamp. To me the kitchen and bathroom were just fine but to her new taps, mirrors and toilet in the bathroom and new granite tops, stove, oven and new fridge etc in the kitchen would give her a new lease on life.So to keep the boss happy I went in to our branch of SANTANDER and spoke to one of their officials and asked for a personal loan of £8000 which I would repay over 3 years. We thought if there was any money left over we'd take a short holiday.My wife and I are both gainfully employed and knowing our credit history the loan was approved and before long we had the money in our account.SANTANDER'S services are wonderful, certainly if you are a client. Highly recommendable.

Review posted by Quinton Stadler

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My best mate was getting married and he insisted that his closest friends travel across to Spain for his stag party. My wife wasn't too happy as she didn't have a hen party and neither did I have a stag party. In the end she relented and I took out a small personal loan with Santander for £3000 just to cover the flight and a few expenses on that side and then bring bach a stupendous present for my wife as a special thank you. I am a client of Santander and it was all so easy and so quick. I went into the branch and within a very short while I had the money in my account and chose to pay back over 12 months which was dead right. My thanks to SANTANDER.

Review posted by Howard Brown

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Hi! My name is Auggie and my wife and I have been clients of Santander for a number of years and I felt the time was right to do the alterations we needed on our home. Our eldest son had left home and got married and we felt his bedroom was taking up too much of our interior leisure space. It had to go and for that we needed a personal loan. We had some savings but felt a personal loan from Santander would be the way to go.We popped in to our branch and dicussed the matter with one of their officials who was very helpful indeed and requested the personal loan be for £7000 which we would pay back over 3 years. Within a matter of days we had access to the money and work has begun at home all thanks to SANTANDER.

Review posted by August Milner

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander have just approved my personal loan and I am so happy and relieved that I felt I should post a comment to say thanks to them for giving such a great deal on this loan.I have been with Santander for 5 years but this is the first time I have applied for a loan with them and If I had know how easy and straightforward it was going to be I might well have taken out a loan a lot sooner. Being eligible for a lower APR because of being a 123 Current Account holder was a real bonus for me and it meant that I could actually afford to borrow a bit more than I had originally intended.If you are as happy with your bank as I am with Santander then that's great but if not I would recommend moving to Santander and taking advantage of their brilliant loan facilities.

Review posted by Dina Patel

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been with Santander since leaving school and have been very happy with the service they provide but it wasn't until I applied for this personal loan that I realised just what a great bank they are.My girlfriend and I are moving in together and we needed some extra cash to cover the cost of deposit and rent on our new flat and without the great loan I got from Santander we wouldn't have been able to achieve it all in time for our first Christmas together.We are just about to move in and my girlfriend is already looking at Christmas trees and decorations, but I shall be making sure we have the best flat screen TV that we can afford because watching TV isn't just for Christmas is it?

Review posted by Joseph L.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am so happy with the loan Santander have just approved for me. It means I can go to Spain to spend Christmas and New Year with my parents. Most of my friends are spending Christmas with their boyfriends and I was beginning to feel a bit left out and because I didn't have much spare cash I thought it would mean a miserable Christmas day with my flat mate and her boring boyfriend.My loan from Santander is enough to pay for my flights and get some really nice presents for my parents and treat myself to some thing nice from the duty free shops. After all, who else is going to spoil me except Santa of course!

Review posted by Carly G.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have always been happy with Santander especially since I opened a 123 Current Account with them. I knew that would make me eligible for better rates on any loans I took out with them and that has now proved to be the case.This recent personal loan is a big commitment for me but because I know I have got a really good rate and the monthly repayments are well within my affordability I am not worried about borrowing such a large amount.My parents are delighted that my loan has been approved because it means I can afford to move in to my own flat. It's not that they don't love me but they certainly don't love my pet tarantula and I can't think why because he is very cute. I am thinking about advertising for a flat mate and wonder if I should mention my tarantula first.

Review posted by Aaron J.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was looking to do some renovations at home and had a few interior design companies come in and quote. The work I needed done was quite simple and so I went in to my branch of SANTANDER and asked for a personal loan of £7500 with a repayment period of 3 years. I'd been a SANTANDER client for quite some time and my credit history was known. Also my wife and I were both gainfully employed so within a very short while the loan was approved and we had access to the required funds. We also signed a direct debit for the instalments to automatically come out of our bank account. Really helpful having SANTANDER around.

Review posted by Frankie Logan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I know it should be the other way around, but I got some very good financial advice from my son when I told him I wanted to get a personal loan to treat me and his mum to a nice winter cruise. My bank had not refused me a loan but they were asking for a fairly high interest rate and higher monthly repayments than I would have liked.My son banks with Santander and he suggested I apply for a loan with them as he had recently got a very favourable APR on a loan from them himself. With his help I did the online application and then just to clarify a few things we paid a visit to his local branch where the staff were extremely helpful and helped me finalise the loan application.I don't have a bank account with Santander but after such a pleasant and positive experience with my son's local branch I just might consider opening up an account with them in the new year and I am very pleased to see that my son appears to have a very good financial head on his shoulders, but I do think he gets that from me so I shouldn't be too surprised.

Review posted by Frank Saunders

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I just want to thank Santander for persevering with me and my loan application. I had so many problems with the online application, mainly due to my awful internet connection and I ended up going in to my local Santander branch to try and sort the matter out.As usual I had left things to the last minute and I was anxious to secure the loan and get the money in my account in time for Christmas shopping which is usually another last minute marathon before the shops finally close their doors on Christmas Eve.Thanks to Santander and their really efficient helpful staff I have just got my loan and the money should be in my account tomorrow. So there won't be any last minute shopping for me and as I plan to do most of it online, I just hope my internet connection doesn't let me down again.

Review posted by Steph H.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am really happy with my bank and even more so since they approved my personal loan. I have a 123 current account with Santander and that meant I was eligible for a special lower rate with this loan which made quite a lot of difference to the overall cost of it.When I first opened the 123 account I didn't give much thought to the benefits with regards to borrowing but it has turned out to be a very wise decision for me because this loan is a huge commitment for me and without it the wedding I am planning would not be half as amazing as it is going to be. I can't wait until June 2016 and it is all thanks to Santander and my brilliant 123 Current Account.

Review posted by Ella J.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I first opened my account with Santander a couple of years ago I didn't plan on taking out a personal loan so soon but then I didn't plan on meeting the girl of my dreams and proposing to her within 6 months of us getting together.But that's my situation now and this loan is to pay for our wedding next year. My parents and my fiancee's Dad are contributing to the cost of things but we wanted to pay for the bulk of it because we want to be in control of everything and not have to depend on our parents.Because I have a 123 Current Account with Santander they have given me a really competitive APR on the loan and it is good to know that this account will have saved me a considerable amount on the overall cost of the loan. We have even worked out that we can afford an all inclusive honeymoon in the Seychelles thanks to this loan.

Review posted by Jason D.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Having long been clients of SANTANDER and always been satisfied with their service, when the time came for us to do some renovations at home and needing the funds to do so, we felt no qualms at all about asking SANTANDER for a personal loan to sort the work out.We went into our own branch and spoke to the person responsible and before long our loan request of £8000 was approved. They did their credit checks to make sure we could meet the repayments and as soon as that was taken care of the money was made available. A 3 year repayment plan with a monthly debit order was arranged for us.SANTANDER are there for you.

Review posted by Peter Shelton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I can't speak for every Santander customer but in my personal experience of being a customer of theirs for the past 5 years they have been excellent. On their advice I opened a 123 Current Account with them and recently also applied for the 123 Credit Card which is going to come in handy over the Christmas period.But my main reason for posting this review is to thank them for the personal loan they have just approved for me which is going to allow me to continue living in my flat that up until last month I shared with my ex boyfriend. The loan means I can continue to pay the rent and all the other bills that come in until I can find a suitable flat mate to share with. I have borrowed enough to see me through the next 6 months and hopefully I can find a really nice person to share with and help pay the bills before that money runs out. So I'd better hurry up and start advertising and I'll be sure to say that a certain ex boyfriend need not apply!

Review posted by Maddie Brownlow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I thought it was high time I got around to thanking Santander for the personal loan I took out with them a while ago. I am almost half way through the loan period and everything has worked out well. I've made the repayments each month without any problems and in fact they gave me such a good interest rate on the loan I am kicking myself that I didn't borrow a bit more. Still I'll know for next time and when this loan is paid off I will give some very serious consideration to the next one and make sure I make the most of the excellent rates I just know Santander are going to be offering me. Santander you have been warned!

Review posted by Larry Meakin

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My 123 Current Account with Santander has been working very well for me and this personal loan is one of the reasons I chose that particular account because I knew it would benefit me in lots of ways over the years.Being eligible for special lower rates on loans was one of the main reasons I opened the account in the first place and while it has taken me a few years to take advantage of this perk it has certainly been well worth the wait.My boyfriend is not very happy with his bank at the moment and I have been trying to persuade him to open an account with Santander and up to now he hasn't taken heed of my advice but I think he is very impressed with the deal I have just got on this personal loan and I suspect it won't be long before he starts making the first steps to getting himself a Santander account and finally being happy with his bank like I am!

Review posted by Janet B., Leamington Spa

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

To my own amazement I find myself having to heap praise and compliments on Santander which is not the norm for me as I am a very difficult person to please as anyone who knows me well will tell you.But really Santander couldn't have been more helpful when I applied for this loan and because they knew how important it was that I got this loan and that the monthly repayments were affordable for me they did their very best to meet all my requirements.I think it is very refreshing to come across a financial institution that exercises a great deal of responsibility when it comes to lending money and making sure that their customers are taking out the right loan for their particular circumstances. I feel that is what Santander have done for me and I wouldn't normally post a review but there's always a first time for everything isn't there.

Review posted by Bridie

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

For the renovations we needed done at home the best quote I could get which included material and labour was £8000. Although we had that much saved we thought it better to take out a personal loan with SANTANDER..We've been clients of theirs for a number of years and went in to the branch to keep it personal and asked for the loan and for it to be paid back over 4 years. We also signed a direct debit so that the instalments would automatically be deducted from our account.The loan was approved without fuss and just a few credit checks later the money was in our account. It really helped being a client of SANTANDER.

Review posted by Robert Bloom

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I spent so much time looking for a competitive loan in time for Christmas that I nearly ran out of time. Thank goodness I finally decided to just go with Santander who have been my bank for the past 2 years.I really didn't think I would be eligible for any loan with them let alone one with such a competitive APR. I thought you would have had to be with a bank for several years before they considered you weren't a loan risk. That certainly hasn't been the case with Santander who were more than happy to approve my loan after checking all my credit history and seeing that I have a good credit rating.The next time I need another loan I won't need to look far and I am now really starting to appreciate just what a good bank Santander are and I hope to be able to continue saying that for many years to come.

Review posted by Ghamia K.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thanks to this loan from Santander most of the things on my kids xmas list to Santa will be bought, wrapped and under the tree in time for xmas morning, which in our house usually starts at about 5 am!Money had been a bit short during the year because we were doing lots of work on our house but I just got a pay rise a little while ago and decided to get a personal loan now that I had the extra bit of cash each month to be able to make the repayments easily.So as soon as the money was transferred to our account a few days ago my wife and I did a mammoth shop and got all the kids toys. As for us, all we both want for xmas is not to be woken before 8am but somehow I don't think we are going to get it.

Review posted by Marvyn, Southall

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Once I used the loan calculator tool and realised I could easily afford a personal loan from Santander I got straight onto my local branch and applied for one. Having 123 current account with them meant I was entitled to a special lower rate which made it even more affordable for me.I had been thinking about taking out the loan for several months but kept putting it off but I am glad that I finally got around to doing it. All the things that I had been planning for 2016 can finally be put in place starting with a new kitchen for my wife and a possibly a motorbike for myself but I haven't quite summoned up the courage to mention that to her yet. I'll maybe wait until the new kitchen is installed before running that one by her!

Review posted by William Dyke

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My personal loan with Santander has just been approved and I thought I should post this review to say how pleased I have been with the way Santander have treated my application.I needed to borrow quite a bit of money but I was keen not to put too much added stress on my monthly budget and that meant I didn't want high monthly repayments. Santander have managed to give me a loan repayments schedule that is spread out over a period of time that means my monthly repayments are easily affordable and because of my 123 current account I am paying a special lower interest rate which just makes the whole package even better for me.I am very happy with the overall treatment I have had from Santander and would definitely recommend their personal loans to other customers.

Review posted by Jimmy P.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am posting this review after just being approved my personal loan from Santander. I really didn't hold out much hope of getting the loan because I thought I might not fit all their loan requirements but it seems I am not such a bad customer after all and they were only to happy to give me the loan. My boyfriend is very jealous because he has just been declined a loan. But its his own fault because unilke me he hasn't been keeping an eye on his credit rating score and I learnt a long time ago that that can have a major impact on your ability to borrow money.My efforts have been paid off well and truly with this loan because I have been given a very competitive interest rate and the monthly repayments are not going to be a problem at all for me which is probably just as well because I can see me having to pick up the tab quite a bit util my boyfriend gets his act together and sorts out his finances.

Review posted by Briony, West Ealing

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I chose to go with Santander for my personal loan when I realised my 123 Current Account with them meant I might be eligible for a special lower rate. Even without the special rate I was happy with the terms and conditions of the loan especially the monthly repayments which were more than affordable for me. In fact I could have borrowed quite a bit more and still be able to afford the repayments but I didn't want to be too greedy as the loan is for a new bathroom and I can only justify spending a certain amount on what is basically the smallest room in the house!

Review posted by Jacqui Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was after a replacement for our family car that had seen better days and having banked with SANTANDER for a number of years I thought it best to get advice on a personal loan from them. I'd seen the car we wanted and the dealer knocked off £2000 for our car so we still needed a personal loan of £12000. We went in to our branch and they were really helpful approving the loan and advising on a 5 year repayment schedule ensuring affordability.Just the minimum of burocracy and the deal was done. We had our new car and felt good about our line of credit too. Thank you SANTANDER

Review posted by Steven Shawcross

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Together with a bit savings and this loan from Santander I have bought my girlfriend an engagement ring that should guarantee I get a big fat YES when I propose to her on New Years Day. If she says no then I'll definitely have made the biggest error of judgement and is not what I was hoping to start 2016 with.Seriously though, I am 99.9% certain she is going to accept my proposal because we have been together for 5 years now and she has dropped not so subtle hints on a weekly basis ever since we moved in together last year.So I want to take this opportunity to thank Santander for approving this loan which is more than I have ever had to borrow before and I just hope it is going to be worth it.

Review posted by Kevin Allinson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After my initial online search for a personal loan I got on to the loan adviser at my local branch of Santander and asked them what they could offer me in terms of a competitive but affordable loan. I already had some idea of what they would come up with but because of the amount I was hoping to borrow I wanted to make the official application at my own branch with the help and advice of the loan adviser. After all, that is what they are there for and it was fairly easy and convenient for me to make an appointment to see them.Taking a couple of hours out of my busy day was worthwhile because we managed to agree a very good deal that I was more than happy with and I feel the loan has been tailored to suit me right down to the monthly repayment date which means it will be the first DD to come out of my salary each month and that's just how I want it to be.

Review posted by Lawrence M.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Once I had used the loan calculator tool on Santanders website I felt a lot more confident about applying for a personal loan with them. The loan calculator tool is a brilliant facility because it gives you a realistic idea of what your loan is going to equate to in terms of how much you'll be paying back and for how long.As desperate as I was to get a loan I didn't want to lumber myself with a long term financial commitment so for me it had to be the cheapest loan over the shortest period of time which is probably what everyone looks for in a loan.I was lucky enough to get that with this loan from Santander and having banked with them with a 123 Current account for the past two years seems to have paid off because I checked what my old bank were offering for the same loan amount and they weren't anywhere near as competitive as Santander so I am really glad I made the move to Santander when I changed jobs. Turns out to be two very good moves because I am really enjoying my job still and don't plan on changing that for a while if I can help it.

Review posted by Nathan Drew

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

If I hadn't got my personal loan from Santander approved I wouldn't be posting this review so the fact that I am posting this review means that I am very happy with the result. I wouldn't have signed up for the loan if I wasn't 100% satisfied with the terms and conditions because I have had loans in the past that have not been entirely suitable and I regretted the decision very quickly into the loan period.That is not going to be the case with this loan from Santander because I am very happy with the rate they are charging, very happy with the monthly repayment amount and finally, very happy with how quickly it was all processed and the money transferred to my account.Now that I have the money I can start planning my reason for the loan - whisking my wife off for a surprise holiday to Venice to celebrate our first wedding anniversary in the same hotel where we spent our honeymoon and if I don't get a 10/10 score for romantic gestures I shall be very disappointed!

Review posted by Oliver Channing

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A lot of people I know bank with Santander and I can understand why that is the case since I recieved my personal loan from them. They offer really competitive rates and they can tailor your loan to suit your requirements. For instance letting you decide when you want the monthly repayments to be made and over what period of time you wish to pay the loan back.My own bank weren't anywhere near as flexible with their loans and that is why I chose to go with Santander this time. I am really pleased to have done so and I am happy to include myself in that group of people who chose to bank with Santander. My old bank really should have been more flexible and I told them so too!

Review posted by Urdarim V.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have a Santander 123 current account and credit card so why would I need to go somewhere else for a personal loan? If I did then that would mean that Santander weren't the bank I thought they were but happily I have not been proved wrong.My personal loan is one f the most competitive and I know that because I did a good deal of online research before I signed on the dotted line. Even if you are happy with your bank on a regular day to day basis it doesn't hurt to check out the competition when it comes to something as important as getting a loan.Fortunately the loan comparison websites make that a fairly easy task so there really is no excuse for ending up with a bad deal.

Review posted by Warren Haybrooke

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My husband and I are new customers to Santander, recommended to us by our daughter who has been a customer of their since leaving university. We told her we had been unhappy with our previous bank for a while and she said to pop in to her branch and have a chat with one of the staff. We did just that and here we are six months later taking out our first loan with them.We were very impressed with Santander right from that very first meeting with them and the staff are very friendly and helpful. Our loan adviser did a very good job at coming up with this loan that suits our requirements perfectly.We really couldn't have asked for better service and we must remember to thank our daughter for the good advice she gave us when she eventually returns from her latest jaunt across the globe. Funded by courtesy of a loan like ours from Santander no doubt!

Review posted by Wendy C., Nuneaton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My credit cards are all paid off, mum and dad's 25th wedding anniversary present is sorted and my summer holiday is booked and it's all down to the superb personal loan Santander gave me. What a way to start 2016 and I am glad I set the wheels in motion the week after Christmas because it meant the loan was approved and the funds deposited in my account this week.I had been thinking about the loan for a while but decided to wait until after Christmas because I didn't want to be tempted to spend the money on anything frivolous and there were too many temptations in the shops during the build up to Christmas.The timing for this loan couldn't have worked out better for me and Santander came up trumps with a really competitive rate which was the icing on the cake thanks to my 123 current account which made me eligible for a special lower rate.I am feeling really positive about 2016 and it has a lot to do with the loan from Santander, but it might also have something to do with the gorgeous guy I met on New Year's Eve!

Review posted by Zara Appleton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Summer for us had been a bit too long from a financial point of view. In other words we'd spent too much and now with Xmas on the way we were forced to take out a personal loan and chose SANTANDER BANK because we were clients and we knew we'd get the best deal possible. We went in to see them and asked for a personal loan of £4000 to be repaid over 2 years. Knowing all our personal credentials the loan was approved very quickly and after signing the loan documents the money was transferred to our account. We can now look forward to a good Xmas all thanks to SANTANDER BANK.

Review posted by Lowell Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The need for a personal loan led me to search online for a deal that was not only flexible but also with a good APR and also without too much burocracy. I am a client of SANTANDER and that's exactly where I went. They were super helpful as this was my first personal loan. I am paying a mortgage on my house, but other than that I don't owe any money. I asked for £6000 and to settle via 36 monthly payments with the option to settle even sooner.Obviously they needed to do a credit check but before long I had the money in my account. Being a SANTANDER client must have helped. I can now honestly suggest that SANTANDER is probably the best way to go.

Review posted by Bruce Addington

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I got an even better deal on my loan from Santander because of my 123 current account and that meant I could afford to borrow a bit more than I originally thought. My bigger loan means I can rethink the car purchase I was planning and go for a model with a few more extras. I might even have a bit left over to splash out on a new watch which I have had my eye for a while and was most disappointed not to get for Christmas from my girlfriend even though I'd dropped plenty of hints. Luckily for her I was a bit more receptive to her subtle hints and she got the designer handbag she wanted.Anyway, the most important factor with this loan is that the monthly repayments are easily affordable which was the main reason for taking out the loan. I had just been given a pay increase and the extra money each month will more or less cover the loan repayment so it won't really feel like a loan at all. If I'd not done this the money would have just got frittered away each month with nothing to show for it. Not even a new watch!

Review posted by Orlando Cheswick

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I are expecting our first baby any time now and this loan from Santander is to buy all the important things for the baby. My wife is superstitious and didn't want to buy anything too soon into the pregnancy and apart from letting me decorate the nursery in a neutral colour she wouldn't let me do any more preparations.As soon as our little one arrives I will buy all the items on the list my wife has made and having the money in our account to afford it all in one go is all down to the personal loan from Santander which I applied for at the beginning of December as our baby's due date was 5th January and is already a couple of days overdue.I was able to get a really competitive APR and so I took advantage of that and borrowed a bit more so that I could buy my wife something special to say thank you for having our baby. I haven't told her about that because I want it to be a surprise and as she seems certain that we are expecting a boy I am wondering if she'll get another surprise by giving birth to a girl. Whichever it is I will be over the moon and only wish for a healthy baby and a happy wife.

Review posted by Samir H.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

With the long winter on us it was time for our annual trip to warmer climes. This year we decided on a month in the Canary Islands. We only do this because there are some incredible travel deals at this time of year and we save on energy bills back home. We have some savings but chose to take out a small personal loan with SANTANDER for £3000 which we'd settle over 12 months.We have a very good credit history and we're also SANTANDER clients so a few days later we had the funds in our account and ready for our Winter break in the sun. Santander were really helpful.

Review posted by Bruce Webster

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander have not disappointed me with this loan. I am more than happy to have got an APR that is as competitive as the other high street banks and the special lower rate that applies to certain customers like me who have a 123 current account means that my loan is better than I could have got from any of the other lenders.That's the main reason I had for sticking with Santander when there are so many other lenders out there. Obviously if Santander weren't giving me as good a deal as they are I would have looked at more lenders but I wanted to use my own bank as I think it helps to simplify things and make it easier to keep track of your finances better.I think I would recommend Santander to people but at the end of the day each loan should be tailored to suit the individual and Santander may not be right for everyone but I think if you are already a customer of theirs then you are more than likely to get a good deal on a loan from them like I have just done.Opening a 123 current account was the right decision for me and it has paid off already with this loan.

Review posted by Christopher Hanson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a customer of Santanders for nearly 5 years but this is the first loan I have had with them. I needed this loan to get some urgent repairs done on my house before I put it on the market to sell. My estate agent advised me to get the work done because it would make the property much more appealing and would help to achieve a much higher sale price. The difference in sale value before and after the work is done means I will still be making a good profit on the property with the loan amount being virtually swallowed up by the increased value once the work is completed.Santander realised the logic in this and were more than happy to approve the loan. They were even offering me a larger loan amount but the property market can still be a bit fickle and so I didn't want to overstretch myself. I just wanted enough to do the most important work and leave it like a bit of a blank canvass for potential buyers to imagine putting their own personal stamp on the property.So my loan is ideal for my requirements and is competitive and affordable as well so that is great. I can get started on the work so that the house is ready for marketing in early Spring which my estate agent tells me is the best time of year to market your property so lets hope he is right.

Review posted by Dave Eastman

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've kicked off the new year with a great loan from Santander that is going to ensure I enjoy 2016 a lot more than last year. I have got a really good rate for this loan which my 123 current account had a lot to do with.I have taken out this loan to consolidate all my debts and my new year resolution is to ditch the credit cards for a while so that I can get back on track with my finances. My girlfriend and I are planning to move in together and we don't want any debts hanging over us that might cause arguments.My mum and dad are really pleased that I have taken this loan out and they say if things don't work out with the girlfriend I can always move back home but they really like her so I think they would be upset if that happens. Hopefully this loan from Santander will make sure that doesn't turn out to be the case.

Review posted by Hughie M., London

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am really happy with my Santander 123 current account even more so since I got this personal loan which is one of the best that I have seen advertised. My boyfriend and I did a lot of research before I applied for the loan with Santander because as everyone knows it doesn't always follow that your own bank will be offering you the best deal when you are borrowing money.Fortunately for me Santander were the best choice for me because I feel happier getting the loan through them in case I have any problems at any time during the loan period. I think Santander would be more helpful and sympathetic if I was experiencing any difficulties repaying the loan. Not that I think that is going to happen because the loan is well within my affordability but you just never know whats around the corner and my circumstances could change.

Review posted by Molly Baines

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been very happy with Santander since opening my account with them 5 years ago but this loan has proved to me that I made the right choice, especially since my loan was dealt with such speed that I had barely applied for the loan before it was approved and I was in no great hurry for the money to be made available to me but even so it was in my account within a week.My family were most impressed with Santander when I told them about this loan and my father in particular was very keen to know more about them. He has been with the same bank since when he first came to Britain but as far as I am aware he has never been able to borrow money from them so maybe Santander might be kinder to him and let him borrow enough money to return to India to visit his family for the first time in nearly 30 years.

Review posted by Dophindra J., Slough

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Nearly all my friends have at some point in the past couple of years applied for loans and I kept thinking that I wouldn't want to take on such a financial commitment unless I really had no other choice and they really should just learn to live within their means.Well I am sorry to say that time has finally arrived for me also but to soften the blow a bit I have got my loan from Santander and as it turns out it really isn't such a big deal. I had been earning good money for years now and just wasting it each month with not a lot to show for it. I had to take out this loan to help my parents who were struggling with bills after my dad had to take early retirement due to ill health. Without me knowing they had got themselves into a bit of debt and were behind with several utility bill payments.I decided to get this loan to be able to pay all their outstanding bills and give them a bit of spare money to keep for emergencies. Santander have given me a really competitive APR and the monthly repayments are embarrassingly affordable for me because it just makes me realise how much money I have been frittering away all this time.I feel really good about being able to help my parents in this way and I won't be judging my friends quite so quickly the next time they take out loans.

Review posted by Grace Cahill

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am buying a nearly new VW Golf thanks to this loan from Santander. I had the opportunity to buy the car when my boss' wife was changing cars and he asked me if I was interested in buying it. He knew I liked that make of car because I currently drive a really old model but still think its a great little car even though its started giving me a few problems.The opportunity to buy this car which is in pristine condition was just too good to miss out on and I would have been gutted if I couldn't get the loan to pay for it. Thankfully Santander were happy to give me the loan and my 123 Current account meant I got a lower rate on the APR. So for me its a win win situation and I couldn't be happier.

Review posted by Amie F., Boreham Wood

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My Santander loan is so that I can buy an engagement ring and propose to my girlfriend on Valentines Day. My monthly salary x 3 is supposed to be what you spend on an engagement ring and unfortunately without the help of a loan it would be quite a while before I could save that amount of money.So I applied for the loan and have got a really good deal thanks to my 123 Current Account which entitled me to a special lower rate and the monthly repayments on this loan will be much more affordable than the amount of money I would have had to try and save each month if we were to get engaged this side of 2020!

Review posted by Daniel Blake

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Switching banks and going with Santander a couple of years ago was one of the best decisions I have made with regard to my finances. I opened a 123 Current account which has reaped rewards, in particular when applying for this personal loan.My 123 account has entitled me to a special lower rate on this loan which was very competitive to start with so I am delighted with this extra perk and it has made the loan even more affordable and such a loan would never have been on the table with my old bank so absolutely no regrets on my part for leaving them and switching to Santander.

Review posted by Dave Howton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My review is to say that once again Santander have come good and given me an affordable loan with out any long drawn out application process. Getting a quick decision was great because if it was a no I could continue with my online search without wasting too much time.Their online service is great for people like me who want fast results and no hassle with paperwork. I get enough of that at work. As long as I can get my laptop out and do the deed within a hour I am happy and thats what I have achieved with this loan from Santander. I like how Santander operate and that's why I choose to bank with them.

Review posted by Chris G., Barnet

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a loan urgently as I had to upgrade my car. I'd had it for a while and it was now starting to give trouble and I just felt it stupid to keep spending money on repairs. I am a SANTANDER client and went in to the local branch and asked for a .personal loan of £10000 to be settled over 4 years. I had already seen the car I wanted and knew that the dealer would give me something for mine. It didn't take long at all and the loan was approved.I also signed a debit order which just ensures that there will be no defaulting on the payments. Thank you SANTANDER.

Review posted by Gerald Emery

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Ok new year new life, new decisions.So I decided to open a new current account with Santander Bank and see how they treat me. I heard good comments about them so its worth a try.My friend claims that she borrowed £5000 from them last year and is paying a good interest rate and that everything runs smoothly. No over charges and she is paying them back over 48 months.I applied for £3000 after opening and account with them and they did agree to consider my application even though I had only opened the account a couple of weeks before.They checked my background I guess to see how I could afford to repay.They gave me the loan payable over a period of 36 months.So far so good, I found them to be precise and professional.Lets hope it remains this way. Ill let everyone know if they do not keep to their promises.In the meantime I´m happy as I went to buy my son the motorbike he needed.

Review posted by Jackie Dobson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a 23 year old young man and my name is Richard. I have a good job and work very hard. I have been a client of Santander Bank since I turned 21 and have only banked with them so far. Recently I went to a casino and lost a bit of money, getting myself in a rather tight spot. I decided the best would be to apply for a personal loan to pay back my credit card as I was told that the interest rate would be lower, also I couldnt afford to pay my credit card in one go this month, specially as its after Xmas. I filled in the application on line, calculated approximately how much my repayments would be if I paid back over 12 months the 1K I needed and then waited for a decision. The reply was given rather swiftly and the cash was transfered to my bank account without any issues. My installments are very close to what I calculated. I´m very impressed thus I decided to write this little review in case it helps others.

Review posted by Richard Boyle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed to do some home improvements on our apartment and decided to apply for a personal loan with Santander bank, as it is the bank I deal with and because they seemed to offer a decent interest rate on their website.I am the holder of a Santander 123 Credit Card and this helped me to have access to a slightly even lower interest rate than normal,which was great.I requested £6000 payable over a 4 year period of time.They did ask certain questions like what my salary was, if it was more than £5000 per year and what expenses I had.After a few hours I received confirmation that the loan had been approved and shortly thereafter I had the funds in my bank.I guess it would have taken longer if I banked with another institution but they are, I believe, known to be quick even then, so I´m told.We will start fixing the apartment next week, so I guess I need to thank Santander Bank.Good work.

Review posted by Brian Caudle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My name is Sophie and I work and live outside of Manchester.I do not bank with Santander bank but I opted to contact them when I needed a £2000 personal loan for the reason that most other institutions will not even consider you if you earn less than £9000 or £10 000 per year.As my annual salary is just short of £7000 I knew I was barking up the wrong tree with them, so when I saw on Santander´s website that they will lend to people who earn less, I immediately applied on line and used their calculator.They checked me out and refused my request to pay over 24 months but approved it over 36 months as they said they wanted to ensure that I could afford to pay them back.This was fair enough, so I got the cash and am very grateful to them.I will not let them down as I understand that one day I may need help again, so I must be a good client.They will take the money automatically out of my account via Direct Debit every month.

Review posted by Sophie Reynolds

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I hope this personal loan from Santander is a good indication of what's in store for me as a new customer. My previous experience of banks hasn't always been great and I want to find a bank that I can commit to long term and build up some sort of relationship with.Hopefully taking out this personal loan will be the start of that and if Santander continue to be so helpful and friendly then I won't have any problems with regard to their customer services side of things.I know that if you are getting a really good deal on a loan you might be prepared to compromise on some aspects of what a good bank should be like but when you feel that you aren't having to make compromises and are still getting a great loan then that is a very nice bonus I think.

Review posted by Jackie Ashton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Somebody pinch me please! I can't believe I have just got my very first loan and it is with Santander who I have been a big fan of in recent years. Their advertising has been brilliant and really appealing to young people like me.I went online to look at taking out a competitive loan and was initially looking at Cahoot and I must admit I didn't know they had a connection to Santander until I read their online profile.Once I realised the connection and saw that Santander were offering loans to new customers I opted to apply for my loan through their website and with this really competitive loan I am hoping this is the start of mutually beneficial relationship with my favourite bank!I am opening up a 123 current account with Santander and this loan will be the test as to how good a bank they are going to be for me. I really hope I am not going to be disappointed, but so far so good!

Review posted by Rebecca Collins

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We were doing a revamp at home leading up to christmas and were refurnishing the lounge and restructuring the kitchen and for that we thought we'd apply for a personal loan rather than use our own savings. We are SANTANDER clients and felt no need to look elsewhere. We visited our local branch and had a chat with the manager and he very quickly guided us in the right direction. Our personal loan was for £8000 and to keep the instalments at a reasonable level we decided to repay over 4 years at an excellent rate.It didn't take long at all and the money was available. It does sound like a lot of money but the bulk was for the kitchen and it would certainly add value to our house as well as giving us pleasure. Thank you SANTANDER BANK!

Review posted by Brian Sherman

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have a 123 current account and credit card with Santander so I was fairly sure I would get a favourable quote when I applied for my personal loan. Making use of their loan calculator tool first was a good idea as it indicated I could be offered a fairly reasonable overall cost for the loan and an affordable monthly repayment.Fortunately, that was the case and my loan application went smoothly and without any hitches. Even the credit check was done within 24 hours, and that is always something you can never be 100% sure about so not having to wait too long to get the all clear on that was good.I really don't think I can find any fault in the way my loan application was dealt with and ending up with more or less the exact package I was hoping for is very satisfying.

Review posted by Ross Melcher

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This personal loan is my introduction to Santander Bank. As introductions go, it's a very agreeable one. I have been approved a loan with one of the most competitive APRs that is available from any of the high street banks and Santander Bank have put together a repayment schedule that is very affordable and convenient for me.I decided to apply to Santander for this loan after using their website's loan calculator tool, which I think is a really good way of helping potential borrowers to choose which lender they go with. It certainly made my choice much easier.I am looking forward to being a part of the Santander Bank's customer base and I hope it is the start of a really good relationship with them.

Review posted by Paula Thackery

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It is the Australian Open and thanks to Santander my family and I are now watching a very exciting tennis match here in Melbourne. The tickets were not cheap neither were the flights and all in all this holiday has set us back almost £5000. Fortunately we are staying with family. If Santander had not granted us a loan and deposited the money in our account in less than 1 week, this would not be happening as it was a spur of the moment decision. I just had to thank them here, where everyone could see how impressed I am. The application was simple to fill in and apart from the standard questions regarding my salary, expenses etc everything was the usual. They kept it simple. I feel the fees charged were fair and the interest rate average. No fuzz and all was smooth. Delighted with the service.

Review posted by Joseph White

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I went on a shopping spree over Xmas, buying presents for everyone , not worrying that this month I would be broke.... So, yesterday when I was working out my finances I realized that this month I would be short to cover my expenses. I rushed to go get some help and went on line to readies.co.uk, to their site, in order to compare all the offers that lending companies make to people in need. After an hour of comparing I decided to work with -Santander. Overall I think they offer good rates, no hidden fees and they allowed me the possibility to pay off the debt before the end of the term as It was part of our previous agreement. Impressing was the fact that the "yes" decision, for the loan of £1000 was so quick. I think applying with them was a good choice.

Review posted by Alex Franzel

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My boyfriend Peter and I are moving in together at the end of January. We have been dating for 3 years, we both have good jobs and are over 21, so we feel its time to leave our parents home to be together. We found a nice apartment and our parents paid the rental and deposits but we need to furnish it. As I bank with Santander I applied for a loan of £5000. I used the online calculator to work out how much the installments would be and played around with the amount of months, to bring down the repayments to an affordable monthly amount. Once submitted Santander approved my application and this means we will soon be going shopping. We are both excited and would like to congratulate Santander because of the fact that applying with them is " idiot proof". Anyone can do it.

Review posted by Monica Anderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a new Santander customer having opened a current account with them precisely so the odds would be in my favor when applying for a personal loan, as It makes it so much easier. I am 22 years old and although I am not British I am a UK citizen, having lived in England for the last 8 years. I do not earn a fortune but I earn more than double of what Santander requires, to be able to apply for a loan. I can afford to repay up to £200 per month, so I applied to borrow £4000 and agreed to spread the payments so that I would not be pushed to an uncomfortable level. I used the calculator provided until I found the required installment. Everymonth Santander deducts the money automatically from my bank account on the day I get paid so I do not have to worry. Up until now I´ve had no hassle with them and think they are OK.

Review posted by Oscar Jameson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

To celebrate our 5th anniversary of when we started dating I am taking my girlfriend on holiday to Thailand where I hope to propose to her.None of this romantic surprise would be possible if it weren't for the loan I have just been given by Santander. My 123 current account came in very handy with this loan because it allowed me a special lower rate on the loan which in turn meant I could afford to spend a bit more on the engagement ring.The hardest part about this whole loan was trying to keep it and the holiday a secret for as long as possible. Santander were very helpful and co-operative with the whole business and I think I have managed to convince my girlfriend that money is tight and we might just have to celebrate our 5th anniversary with a candlit dinner at our local Thai restaurant. If only she knew!

Review posted by Mark Dickinson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have just been taking one last look online at the car that I am about to purchase thanks to the loan from Santander that came through today. I spotted the car a couple of weeks ago and immediately decided I had to have it. The only way that was going to happen was if I could get a loan as soon as possible. This beaut of a car wasn't going to be available for much longer so I had to get a move on and sort out a loan.I figured getting the loan from my own bank was the best option and when they approved it I was over the moon. They weren't charging me a massive rate either and that was helped by me having a 123 current account with them. I think thats why it all went through so quickly and I am really glad that it did because I would be gutted if I missed out on this car.

Review posted by Jamie D., Croydon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am really happy with Santander as my bank and my 123 current account is really good. That's why I wasn't bothered about looking anywhere else for my personal loan. Santander were offering the whole package and that's why I opened an account with them when I left uni and started work.Up until then my old bank had been fine but I wasn't earning much and so there really wasn't much going in or out of my bank account at the time and so I couldn't really think of a good enough reason to stay with them when I started working and earning a good salary.I wanted a new bank to match my new career and Santander were the one to do that and this personal loan proves I made the right choice.

Review posted by Sarah Fletcher

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thanks Santander for this great personal loan. Thanks for explaining everything to me in words I could understand before I took out the loan. Thanks for making sure I was aware of the pitfalls of borrowing money and then not being able to make the repayments on time. Thanks for suggesting I took the loan out over a two year period instead of 1 so that the monthly repayments will be more affordable. Thanks for not mentioning the fact that I have lost or had stolen my debit card several times and finally, thanks for letting me know the moment my money was in my account so that I could go straight online and book my flights to New York and get the best price before they went up. The more I save on flights the more I have to spend when I get there.

Review posted by Luke M., Lewisham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was time to make a change to our life style. We have lived in the same cottage for the last 15 years. It is our own and the mortgage is almost paid up, so we decided that now we could afford to take out a personal loan to do some alterations, including adding a new garage to be used as a games room for our grandchildren. As we are clients of Santander Bank we felt we should check out what they offered for a £10 000 loan. We used the online calculator provided and worked out that if we were to pay the loan over a 5 year period, we would pay a little less than £190 per month. This we felt sounded fair and about average, but working with Santander gave us a comfortable feeling of ease, as we have banked with them for a while and feel that they are reasonably fair and efficient. The application was made on line, the loan approved and all of it all with no unpleasant delays or headaches. Based on this, I have to suggest this an an option for others, needing a loan.

Review posted by Yolanda Thompson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I moved my banking to Santander a couple of years ago and I opened a 123 account. Ever since then I have been hoping that I didn't come to regret my decision to move. So far so good and this personal loan is real confirmation that I made the right decision.I have been totally satisfied with the whole process of this loan application and the rate Santander are charging me for the loan is really competitive. Helped no doubt by my 123 current account which promised me special concessions and they have delivered big time with this loan.I wouldn't normally recommend changing banks to any of my friends but if they tell me they aren't very happy with theirs I will recommend Santander, based on my own experience of them.

Review posted by Muriel Spencer

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm going to celebrate getting my personal from Santander with a nice bottle of Merlot but before I do I will post my review so that I have a very clear head when I say what I think of Santander and the loan they have just approved for me.Here goes, Santander are one of the best banks at the moment in my opinion and that is because they are competitive with their rates and they offer their customers, especially those of us with the 123 current account, loads of great deals and savings. They appeal to the younger generation like me, but don't exclude older customers like my parents who have a 123 current account also.It says a lot for a bank when my parents decide to switch to them after nearly 40 years of being with the same bank. I think that is a great endorsement for how good Santander are and no I'm not being paid to say this!

Review posted by Regan G.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have an account at the Santander Bank and hold a 123 credit card. I was aware that should I ever need to apply for a personal loan I could expect a lower interest rate which is a bit of a bonus. It seems the time has come to apply for a personal loan. My daughter is getting married and the wife and I want to do her proud. Our savings would not cover the cost of a wedding, so obtaining a personal loan was, we felt, the way to go.We quite like our Santander branch so decided to go in and talk to a loan officer. The lady was very helpful and together we applied for a personal loan after using the calculator that showed us the sort of repayment we were looking at. A useful tool that.Within a few days, we received feedback that we had been approved and the terms were as we thought, so no surprises there. The money was in our account very quickly, we were impressed with out bank.

Review posted by Alan Taggart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed to replace my car and being with the Santander Bank automatically applied to them for a personal loan. I have always been pleased with the way they handle my banking business, so there was no point to be looking else where at other lenders.I was on the website and looked at the calculator tool to determine the amount I should apply to borrow. This was a good tool to use as it gave you the repayment amount and you could decide whether it was within your budget. The process was pretty simple, I knew they would have to do a background check on my credit, so that would take some time. However, they came back to me fairly quickly and approved me for a loan. Within a short time, the money had been deposited into my account, pretty impressive my bank.

Review posted by Brenda G.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was taking a trip with some family and friends and did not want to touch my savings. I considered a personal loan would not be out of order. I have a pretty good job, its fairly stable and my salary could handle an outgoing payment. I bank with Santander and decided to look up their website to see what was needed to be granted a loan. I had not asked for a loan before, so needed to find out the relevant information.It all seemed pretty straight forward after reading their conditions, so I filled in the application and submitted it. I had an idea of the repayment amount as I used their calculator tool, this was very useful. I was approved fairly quickly which was pleasing and the money was in my account within a few days. This was pretty impressive and not a hard thing to do.

Review posted by Clara White

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My father had recently been admitted to hospital and it was discovered that he needed to have surgery on his knee. They made him as comfortable as possible but the surgery waiting list was going to take a while. He was allowed home and as a family, we decided to send him to a private hospital so that he could have the surgery in a more timely event.I applied for a loan at my Santander Bank to pay for the surgery and fortunately I was approved fairly quickly, which was a blessing. The terms and conditions were most acceptable and because we could pay it back quickly, the family all agreed to help fund this operation. The process was made very easy and I was most grateful to the Santander Bank for helping us out.

Review posted by Karen Cole

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a short term loan from my Santander Bank to buy an engagement ring for my special lady. I intended to pay it off quickly but wanted to make the purchase fairly soon and without touching my savings. So a personal loan seemed the best way to proceed.I went on line to the Santander web site and picked the amount I needed, I read the terms and did some calculations and figured, if approved, I was in good shape to continue this application.Santander Bank approved my application which pleased me no end of course and the terms they offered me were very good. I was going to be able to pay the loan back fairly quickly which was also a bonus. I was well chuffed with this simple and easy process.

Review posted by Nick Henderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was hoping I wouldn't have to go elsewhere for my personal loan. I opened my 123 current account with Santander in January of last year just after getting engaged and I knew that I would be looking for a personal loan to pay for my wedding. I would have been very disappointed if Santander couldn't offer me a competitive rate on the loan but I was fairly sure that my 123 current account would stand me a better than average chance of getting a good rate. It has done and I have just had confirmation of the loan which is even better than I'd hoped for. I'm waiting for the funds to be deposited into my account and the first thing I am going to do is book the amazing venue I have found and then start the search for my wedding dress.I am so glad that I opened my account with Santander because it has been really easy and straightforward getting this loan and it's going to be an affordable one too which is great because there'll be plenty of things for me to get stressed about when planning my wedding but repaying this loan won't be one of them.

Review posted by Melanie W., Maistone, Kent

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I got my promotion at work and the pay rise that came with it I decided to change my car and get a loan to upgrade to a bigger car that would be more suitable for me and my wife now that we have a baby on the way.I bank with Santander anyway so I automatically went with them for my loan because I know they are offering very competitive rates at the moment. They are definitely as good if not better than most of the other high street lenders.Having a 123 current account was also in my favour because it meant I was eligible for a special lower rate. The timing has worked out perfectly for me because taking out the loan now with the new increase in my salary means I won't miss the money so much each month.Once the loan is paid off I will really appreciate the extra cash that will no doubt be spent on the new arrival who should be running about and causing havoc for me and the wife by then!

Review posted by Steve D., Leytonstone

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Being a client of SANTANDER for many years and now ready for the home improvements my wife and I had planned we visited our local branch and had a nice conversation with the manager and explained everything we had planned and also the amount that we required.He was very helpful and we asked for a personal loan of £6000 which was approved almost immediately. We had a good credit record and the 3 year payback plan was also approved. We had access to the money the very next day. We can honestly recommend SANTANDER and especially to their existing clients. There are so many benefits that clients are not even aware of.

Review posted by Andrew Thompson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am so glad I opened a 123 current account with Santander because it means I am getting a great deal with my loan that would have cost me a lot more if I'd gone to another lender.My loan is going to pay for a car and I haven''t had a new car before so it is really exciting and I have to keep pinching myself to remind me that its true and I'm not dreaming. I have to wait until the weekend before I can test drive the car I have in mind but since the loan was approved I can't help looking at so many other cars that are going to be within my affordability because I got such a great deal on this loan.The car dealers are offering such fantastic deals on some of the second hand cars that I might even opt for one of them because they are only a couple of years old and some of them look brand new. I could get even more car for my money and at the end of the day I think I'd rather have a 3 year old BMW with all the extras than a standard model new Vauxhall. I think I might be test driving quite a few cars before I make my final choice. But is thanks to the loan from Santander that I have so much choice now.

Review posted by Liam Gardner

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My Santander 123 Current Account entitled me to a lower rate on this personal loan so it wasn't a difficult choice for me to make to go with Santander for my loan. There are so many lenders out there but their offers aren't always as competitive as they first appear. I've been caught out like that once before with a loan I took out a few years ago.I have been keeping an eye on what the current average APR is for a loan like the one I have just got and Santander were constantly in my top 3 list of most competitive lenders. So being a customer of theirs already was great because it made this loan application so much easier and the most competitive in the end because of my 123 Current account.

Review posted by Rory Neesden

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am still only 23 and yet I have been able to buy myself a brand new car because of Santander giving me this loan. I often wondered how people could afford to spend so much money on buying a car but of course the probably all get loans like me and don't have that much money just sitting in their bank. But you have to be earning a good salary to afford the repayments which I do because I have been in my job since I left school and I am fully qualified now which is why my salary has nearly doubled in the past 6 years. I have worked hard to get this salary and I deserve this new car even though it has made my friends really jealous but only a bit because I think they are pleased for me and they hope to be able to do the same as me sooner or later.

Review posted by Rochelle D. Croydon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My small personal loan with Santander Bank is so that I can pay for my parents to have a holiday in Italy where they can visit all their family and friends that they haven't seen in nearly 10 years. I was trying to think of what to buy them for their 25th wedding anniversary and came up with this idea when I saw them looking at some old photos of them when they were first married and still living in Italy.I did have a very limited amount that I could afford in monthly repayments so I had to make sure I got the best deal I could and luckily for me my Santander 123 current account meant I was getting a special lower rate on my loan which made a big difference to the amount I could afford to borrow. It meant I had enough to pay for my parents flights and give them a bit of spending money. After all, I shall be expecting them to bring me back something very stylish from Milan where there are the most amazing boutiques selling shoes and handbags to die for!

Review posted by Gabby Marcello

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It's amazing how one always decides on doing something like going on holiday to Miami, for example. So the next thing to do is save each month so that when the time comes you will have enough money saved to have a great holiday. Well guess what? It never happens and when the time comes you're as broke as when you decided to go on holiday.I wasn't going to let it stop me so I applied for a personal loan with the bank that I've been a client of for years. SANTANDER! Thank God it was a mere formality. I did have some savings but thought I'd leave it there and take out a £3000 loan which took just a few days and it was in my account.Needless to say I had a great holiday and now I have 24 months to settle. Absolutely worth it. Thank you SANTANDER.

Review posted by George Anderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have a 123 Current Account with Santander so it was just sensible for me to go to them for my personal loan. I think if they hadn't been able to offer me a competitive loan and beat the other high street banks then I might just start thinking that I'm banking with the wrong people.Fortunately that wasn't the case because I got a better than average APR on this loan because of my 123 account and that put Santander way ahead of the other banks. I didn't have to spend lots of time looking for a better loan because I knew I had already got one of the best and most competitive loans that was available anywhere.

Review posted by Janet Hislop

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I first started banking with Santander I chose to open the 123 current account for the very purpose of taking out a personal loan a little way down the line. I knew it would come into play and get me a great deal on the interest rate.I do tend to plan quite a bit in advance and my friends think I am tempting fate a bit. But I haven't come unstuck yet and getting this really competitive loan that out does all the other lenders I looked at online just proves my point and so I'll continue to plan ahead and bank with Santander because they both seem to be working for me.

Review posted by Mark Dash

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am really glad that I was able to get my loan from Santander because keeping the loan as simple and straightforward as possible meant using my own bank. But only if they were offering me a good enough interest rate which I am pleased to say they were.I knew there were a few similar options open to me but they couldn't quite match up to this deal I finally agreed with Santander and I think that my 123 Current Account and credit card helped to achieve the really competitive loan that I have ended up with because it brought that APR down just enough to beat the other lenders.

Review posted by Chris Cotteril

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'll be moving into my new flat at the weekend and its all thanks to my great loan from Santander.Most of the money I needed to pay the deposit and the first couple of months rent ended up being spent on my emergency dental treatment which came about when I had a really bad accident while skiing.My insurance didn't cover it because I didn't realise my teeth had been damaged so badly until I got home. I found a really good private dentist who has managed to restore my smile but it meant using the money I had put aside for my flat.All is sorted now because Santander were quick to approve an affordable loan for me and I can secure the flat with a deposit and try to forget my awful nightmare on the ski slopes.

Review posted by Dani M., Chigwell, Essex

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I decided to go with Santander for a personal loan I didn't have a bank account with them but I do now. I really like the way Santander have treated me before and after I opened my account with them and getting this really competitive loan from them is a great start to what I hope will be many years of satisfied banking. They have so much more to offer than just personal loans and I am looking forward to trying out some of their other services. If they are as competitive as this loan is then I am bound to be as delighted as I am now.

Review posted by Jack Emmerson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My 123 current account comes with some perks and for me one of the most important ones is the special lower rates you are eligible for when you take out a personal loan. I am delighted with the 4.2% APR Santander are charging me on this loan. It beats the other high street banks by miles.Getting a lower rate on my loan translates to a fairly hefty saving on the overall cost of the loan and it counts for a lot more than any other type of reward a bank can give you for your loyalty to them.Money talks and saving so much on this loan from Santander says I've chosen the right loan with the right bank. Kerching!

Review posted by Pippa Browne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been with Santander a couple of years now. I opened my 123 current account with them when I moved to London and started my new job. I'd never really been impressed with my previous bank but they served their purpose while I was still at college.I took out this personal loan to help with the cost of moving flats and paying the usual deposit and 2 months rent, only this particular landlord changed his mind at the last minute wanted three months rent and I had to find more than I originally budgeted for.I've borrowed a bit more than I really need but it is still going to be an affordable loan and having that extra bit of money in my account is a nice buffer if I have any unexpected bills. With this new landlord of mine, that could well be the case!I feel really good about this loan because it has allowed me to borrow more than I thought I could easily afford but that's because originally I hadn't factored in to the equation my 123 current account possibly getting me a special lower rate, which it did. That made a big difference to the overall cost of the loan which was reflected in the easily affordable monthly repayments.I hope any future loans I take out are as easy and as affordable as this one. If I stick with Santander there's no reason why that shouldn't be the case.

Review posted by Jason Baker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Because I have a bank account with another bank I didn't think I would get a loan with Santander but I really wanted to because they were advertising a lower APR than my bank and I had thought about changing banks and going to Santander but never got around to. I think they are a really great bank that appeals to young people like me and my own bank is stuffy and don't seem to have a lot to offer for young people.The good news is I did get my loan from Santander although it took a couple of weeks before they finally confirmed it but I don't mind having to wait because it was worth it in the end and I have decided I am definitely going to change banks and go to Santander once this loan is paid off or maybe even sooner if its possible.

Review posted by Kerrie Anne, Pitsea, Essex

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The first time I took out a personal loan it was to pay off my credit cards and a couple of other debts. I paid through the nose in interest rates for that loan but that's the only loan I could get at the time. Now that I am more or less debt free I am in a much better position to get a competitive loan and coupled with the fact that I have recently switched banks to Santander I felt a lot more confident about taking out a loan to pay for this years Summer holiday.This time I went with Santander for the loan and my 123 Current account entitles me to a special lower rate so I have got an even better rate for this loan. It pays off big time if you can consolidate all your debts even if you have paid over the odds to do it, because you reap the benefits of being debt free the next time you are looking for a loan. And it helps if you bank with someone like Santander too.

Review posted by Amanda D., High Wycombe

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I think if you have to shop around for a good rate on a personal loan then you must be with the wrong bank. Your own bank should be right up there with the rest of the high street lenders and keeping their rates competitive. If they are not then they don't deserve your custom. that's my attitude and that's why I changed banks 2 years ago and started banking with Santander.It was definitely worth the move because that first loan was courtesy of Cahoot, the online division of Santander and they were offering the competitive rate that my own bank should have been. That's when I made the decision to switch banks and go to Santander and I haven't regretted it one bit. This current loan just confirms that I made the right move at the right time.

Review posted by Mark Webber

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Opening a bank account with Santander was a good idea and my 123 current account is already coming in handy. One of the bonuses that come with this 123 account is the special lower rate that can apply to personal loans and I have been working up to using this particular perk for a few months now.I wanted to get Christmas out of the way before taking out this personal loan because it is going to be a big financial commitment for me and I want to be able to borrow the maximum and get the best possible rate on it.With the affordable repayments that Santander have arranged for me this loan is going to be stress free and well worth the overall cost because its being invested in restoring a property I have just bought and when the work is finished I will have recouped my loan ten times over hopefully.

Review posted by Mick Howell

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Because I bank with Santander I automatically thought of them for this personal loan. I was optimistic that Santander would be offering one of the most competitive loans on the market and I am glad to say I wasn't wrong.I think having a 123 current account played a big part in my getting the really good rate on my loan and that's one of the reasons I opened the account in the first place. I wanted to be with a bank that was offering more than just day to day banking and Santander have got a lot of great things on offer to their existing customers like me which I fully intend to take advantage of when the need arises.

Review posted by Simon Draper

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was a personal loan of £8000 that I was after and had been online looking for the best deal when I actually saw on READIES that due to the fact that I was a SANTANDER client my chances of having a loan approved were very good especially if my account was in a good condition.I went in to the local branch and had a chat to the manager and he confirmed what I thought would happen. My loan was approved and the repayment schedule of 48 equal monthly instalments also suited me.A few credit checks were carried out which is the norm and everything was then just procedure and the money was transferred to my account.I'm really glad to be a SANTANDER client.

Review posted by Joachim Spencer

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My son is opening a small business and although he has saved some money he was £10 000 short.He called on us, his parents to help him out and we decided to approach our bank, Santander, for a personal loan as we did not wish to touch our savings.Santander´s online application form was easy to fill in so we applied rather than going to the branch.We are the holders of a 123 credit card and were given a better interest rate than normal for this reason.The loan was approved swiftly and we will be paying it back over a 4 year period.Im glad that Santander did not give us a hard time or else I would have tried another institution.Overall we can´t point fingers at them.

Review posted by Gavin Pather

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Im a young man who had never applied for a personal loan before. as I needed some cash and am an account holder with Santander I chose to approach them first to ask for £3000. Im 23 years old and felt that I could afford to pay back the loan over 3 years with ease. I also asked for the possibility to make over payments, which they said yes to, with no extra charges. The interest rate they quoted me was well within my expectations, so I feel they were quite fair. The loan was granted and the money was credited to my current account in a matter of days. I feel they were professional, so recommend them.

Review posted by Joseph Wright

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a new client of Santander and have only been banking with them for a few months, so when I applied for a £4000 loan last month, I half expected them to turn me down and say no.However, I tried and filled in the easy application form that they provide on line.I earn £9000 per year and am 24 years old, so all their requirements are met, but yet, I did not feel too confident that they would say yes.To my astonishment they agreed to the loan and I´ m to repay it over a period of 36 months. I am impressed and am sorry for doubting them. Thank you Santander!

Review posted by Monika Clements

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

What surprised us most about Santander when we applied for 20 000€ for home improvements, was not the fact that they said they would allow over payments, so long as I requested this initially, but the fact that my wife and I have only been banking with them for less than 4 months!I guess they must have made a clearance background check on us, our salaries etc, as the yes reply was given.I have gained new respect for Santander. They were not full of bureaucracy and just got the job done I guess.We are paying over 60 months and verified that the interest rate applied seems to be about average.Im pleased with Santander and wanted others to know this.

Review posted by Leon Barber

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I think having a Santander 123 current account has definitely helped with this loan. I don't think I could have got such a great rate without it. My decision to bank with Santander after leaving school has really paid off although it was more luck than judgement because I really wasn't thinking in terms of personal loans when I first opened the account. I can't remember what it was that first attracted me to Santander but it definitely wouldn't have been interest rates. But I am a bit more mature now and that is certainly a factor that appeals to me now with hindsight.

Review posted by Emmy G., Surrey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I like being a customer of Santander Bank. I think they are one of the most innovative banks around at the moment. They have a really good image and they appeal to all ranges of people.My 123 current account seems to be really popular because I know of lots of other people that have a 123 current account also. We all must know when we are on to a good thing.I know I got this really good deal on my personal loan because of that account and I am pleased that I opened the account in time to take advantage of it with this loan.

Review posted by P. Thorpe

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We bought our house some time ago and it was the proudest moment of our married life when we made the last payment on our mortgage. But right now we needed to spend some money on refurnishing and refurbishment. Being clients of SANTANDER we thought our best option was to ask for a personal loan. We knew that the amount would be substantial but the kids are both working and so is my wife so we felt secure knowing that we could easily afford the repayments.With this in mind we requested a personal loan of £12000 and also the 5 year repayment option. Our credit rating was checked out and knowing our financial background the loan was approved and within a week we had access to the money.The customer service at SANTANDER was awesome and we will continue to recommend them to anybody serious about their money.

Review posted by Jeremy Latchford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I changed all my personal bank accounts over to Santander a few years ago after I claimed back all my bank charges with my own bank and they started to give me bad service after I got more than £900 back from them so I changed banks.Since I changed over to Santander I have started to use there online banking service as well to keep a closer eye on my accounts. Our local bank closed down and moved a while ago so getting to speak to someone is hard so online is the next best thing. I have no mastered how to log in and tranfer money and make payments and keep track of my monthly spending on my both my joint and personal account. I also like how Santander have a personal message online you can speak to people if you need help with out calling them up.I really glad I changed over to Santander and even more since recently I saw they had a good offer on personal loans rates and I had been thinking about getting a new sofa and dinner room table for the house a few small changes but still costly. I logged in online as I always do and I applied for a loan with them , since I all ready have an account there was not alot of information I needed to give them as they have it all. I was approved for the loan at the advertised rate and I was thrilled go see my own bank was willing to help me out and I didn't need to look else where for a loan. I was playing with the idea of changing a few things in the house for a while now but didn't want to commit to any big changes with out thinking it over but when you log in online Santander advertise any offers or any products available to there existing customers.

Review posted by Simon Sylver

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I decided a few weeks ago to move out of my boyfriends house. I have been living with him and his 2 friends for 8 months and it's been 7 months to long. I am tired of being woken up at all hours and picking up and cleaning up after myself and 3 other people I feel like I'm a 50 year old mother and not a 26 year old women. I told him I was going to move in to a one bed room flat close to him so not alot would change and he decided he would move with me , after a few weeks of looking to find some where he let me down with the money and then again with moving thanks to his friends. So I was left in this horrible situation where I needed one months rent and deposit or I needed to back out and lose the place and the money I all ready put down. I didn't and I can't spend another night let alot weeks in that tint appartment full of testosterone so I contacted my bank for a loan.I got the £1200 I needed from them to pay everything upfront and I can afford my rent and bills plus the small loan repayments since I took it out over 2 years. I am leaving my self a little tight each month but it is worth the freedom and the risk I took getting the loan and moving all on my own.I'm now a 26 year old independent women! Thank you Santander

Review posted by Angela Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I shopped around a little before I found the best loan for myself and that was with Santander, I used to be with them yeats ago when they were abbey national was one of my first ever bank accounts when I was a teenager.Abbey has now changed to Santander and i found the service was the same they were really great with me.I found them online but I decided to go into the nearest local Santander branch on the hight street , so i could chat with them about their loan services and see just how much I could borrow from them.The branch was small and after waiting around I spoke with the staff who were very friendly and eager to help.They showed me their personal loan plan that was suited best to me and they showed me a plan with quotes for what I could borrow and how much I would be repaying each month. After going threw a few options we decided what was best and I was happy to go ahead and apply with them.My new loan has came through to my own account very quickly and now I am making my mind up on exactly what to buy first.Thank you Santander, for a good service and nice people working for them , I would highly recommend this bank to anyone.

Review posted by Steve Leach

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been paying out more than £450 a month for the last two years on credit card debt. I got one of my cards down to 0 balance last year and with Christmas and then my son's 21 st birthday I managed to get it back to its 6 grand limit in a few months. Not my best move but changing jobs at the time and not having the cash to use it made my credit card much to easy to use in time of need. I applied for a loan so I could get the money I needed, this was around 13 thousand to clear all my credit cards off and with the loan rate being so low I could afford to pay them off at £380.83 amonth less than I am paying and I won't be able to reborrow and get back into debt. I can pay this off over the 3 years they have let me borrow the money and after that I hope I will be debt free and be able to stand on my own to feet.

Review posted by John Walker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been paying out more than £450 a month for the last two years on credit card debt. I got one of my cards down to 0 balance last year and with Christmas and then my son's 21 st birthday I managed to get it back to its 6 grand limit in a few months. Not my best move but changing jobs at the time and not having the cash to use it made my credit card much to easy to use in time of need. I applied for a loan so I could get the money I needed, this was around 13 thousand to clear all my credit cards off and with the loan rate being so low I could afford to pay them off at £380.83 amonth less than I am paying and I won't be able to reborrow and get back into debt. I can pay this off over the 3 years they have let me borrow the money and after that I hope I will be debt free and be able to stand on my own to feet.

Review posted by John Walker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have always been with santander bank and I recently updated my bank account to a 1 2 3 account. When I don't this I had to active the new card online so I went into online banking and a noticed a few things had changed. Once I active the card there was a few other things that became available to me online and it may come in handy online payments and things. I like my new 1 2 3 account even more so now I was emailed online about a personal loan rate of 3.5 % I thought only that interest rates that low were on savings accounts but santander proved me wrong. I got a loan for £3000 as I have always wanted to go on holiday to American and I have days off coming up from work so now i can go.

Review posted by Leanne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have a 1 2 3 credit card that I loaded up over Christmas and it's close to the limit and I was thinking about taken out a loan to pay it off faster. I am a customer with santander as this is there credit card after all so I wanted to give them the chance to see of they could give me a loan to pay the card off. I was surprised to see as a 1 2 3 credit card customer I could get a personal loan as little as 3.5% so I jumped at the chance to apply for one.I'm very happy with this bank and I am even thinking about bring my own person account over to them. Thank you Santander.

Review posted by Lisa amanda Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been with santander a while now and they have been friendly with me from the start. I was having problems with my own bank and there £35 bank charges if you go even £1 over drawing and I wanted to changed so I did when I found santander.They took care of everything for me with my new account and my monthly payments were tranfered over no problems.I am really glad it all worked out so good as it has now lead me to finding the perfect loan to get a engagement ring for my boyfriend. We meet in college and have been speaking about the ideal of a civil partnership ever since it can be came legal in the United kindom.I got approved for a loan at the apr of only 3.5% and this made me flabergasted that I could have a loan do low. I plan on asking him in a few weeks on his 30th birthday so it gives santander time to get the money and terms sorted and I can buy him the perfect sybol of our love.Cheers santander bank.

Review posted by Jonny

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was having so many problems and a number of bad experiences with my previous banks so I took my mother's advised and changed to her bank.I didn’t expect the customer service with santander bank to be so nice and welcoming it was never this good at my old bank. I was really impressed at how they handled things and how smooth it was that once everything was up and running I contacted them for a loan to bring my loan over to them. I was happy to do this even if it was the same 6% I was paying else where just to be away from them.I would recommend santander bank to anyone who's is having problems with there own bank and wants to change to a better bank. There guys are the best !

Review posted by Pamela Kerr

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a SANTANDER client and it's not just because the loan is unsecured but the customer service is brilliant and they really go out of their way to help you. I applied for a personal loan and the bank official guided me through everything and in a matter of a couple of hours the loan was approved. Even the most convenient and affordable repayment structure was arranged for me. They go to great lengths to make you feel you're not just a number.I must say that being a SANTANDER client really helps as does having a positive credit history.

Review posted by Michael Anders

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was time to exchange cars. We'd driven our little vehicle into the ground and it was time to put him to rest. We saw the 2nd hand vehicle we wanted. It was 2 years old and in wonderful nick and the dealership wanted £12000 for it which we thought was pretty reasonable. All we needed now was some financing and being SANTANDER clients we thought they would offer the best deal when it came to personal loans. We went in and had a chat to tha manager and he quickly sorted us out. Knowing our credit history the loan was approved and we took the 5 year repayment plan.Within a few days we were driving our ''new'' car and felt really good about it. Thank you SANTANDER.

Review posted by Bruce Ferguson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Never before has this happened to me but I just had to get away from my girlfriend. I didn't want the relationship to end but I had to get away. I felt a complete change would do the two of us the world of good.We are both Santander clients so I went in and spoke to the bank official responsible and asked for a personal loan of £4000 which would be enough for me to spend a week in sunny Spain. If she couldn't accept it then so be it.Knowing I had a good credit history the loan was approved very quickly indeed and I had to repay by way of 24 equal monthly instalments which would be deducted from my account each month.My time in Spain was wonderful and constructive. I also met somebody there and my girlfriend is now my ex girlfriend. Life certainly has it's curved balls. Thank you SANTANDER for everything.

Review posted by Jimmy Arnett

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm all grown up now! I've just got my first ever loan and it means I can get my first flat and move out of the family home. Mum and dad aren't sure if I'm ready for the responsibility of living on my own and have been trying to talk me out of it. So I told them, if Santander don't approve my personal loan then maybe you are right and I'm not ready to go it alone.Yippee! Santander approved my loan and it only took a couple of days for them to process my loan application and give me the answer I was longing for. Sorry mum and dad, you might think I'm still your little girl and not ready to go it alone in the big bad world. But Santander seem to agree with me otherwise they wouldn't have given me this loan would they.

Review posted by Abigail Henderson, Milton Keynes

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Getting my personal loan from Santander bank was a bit like a Jackson 5 song. 123, easy as ABC..... you get the picture?I Let me explain, my 123 Current Account gave me a good advantage when I was applying for the loan. It also gave me entitlement to a special lower rate. It pays to be with a bank that you can build up a good relationship with because when you go looking for a personal loan you want to get the best possible deal you can. You wont necessarily get that with a lender you have never had any dealings with before. These online loan companies can be ok for the occasional quick cash injection when you are desperate but for something as important as a personal loan for thousands of pounds you are better off with some one like Santander. I might be sounding smug but I'm right aren't I?

Review posted by Jason, Bethnal Green, E.London

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Towards the end of last year I started renovating the interior of my house. This is something I have saved up for over the last few years, so I tried to budget for everything carefully. Unfortunately the builders encountered some problems that were not foreseen, and if I want to have things finished in time for summer, my remaining budget was not going to be sufficient. When I realized what good rates I could get with Santander, I quickly decided that a short term personal loan was my ideal solution. I never knew it could be so quick and easy, and now wish I'd done it weeks ago and saved myself a lot of stress!

Review posted by Bella Coulson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I went into my local Santander branch to ask about a loan, I was really apprehensive. This was a whole new experience for me, as I had never borrowed money in the past. I explained this to my adviser, and they were so patient and explained all the terms and conditions to me. It was nice to be made to feel so comfortable, and I could ask all the questions that I had been worried about and that I thought were too silly to ask in the past. For me it was really nice to have such a personalised service, and to really feel valued as a customer.

Review posted by Pia Tewkesbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I lived abroad for several years previously, and had used Santander for all my banking needs, so when it came to the point that I was living in the UK again and wanted to apply for a loan, it was great to be able to turn to a company I already knew. The application for a loan was straight forward, and consisted of clear concise questions that were simple to answer. I didn't feel that they asked anything unnecessary which had been the case with some other money lending services I looked into. My application was approved efficiently, and the money was even transferred to my account ahead of schedule.

Review posted by Martine Feris

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My annual salary is not that great because I only work part time in order to be able to keep up with my studies. For this reason, I never thought I would be able to take out a loan at times when I've really needed a bit of extra cash. Then I saw that Santander can offer loans to people with a yearly income of just £5000. I don't have bad credit history or anything like that, my account just never has that much in, so to be treated as an individual case by Santander, rather than just being measured by specific criteria, was really refreshing.

Review posted by Nina Chichester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My mum has always been terrible with money, and I know she recently applied for a loan and was refused because of her bad credit history. I know it's normally the parents that give money to the kids, but my mum has done so much for me in other ways, that I really wanted to be able to help her. My own personal financial situation isn't fantastic, but I've got a steady job and a good credit history, so can at least apply for a personal loan. I didn't want to borrow a lot, just enough to help my mum get by for the next few weeks until she can get back on her feet so to speak. Santander offered me exactly what I needed, and didn't even ask questions about what the money was for. It was really easy, and it feels great to be able to help my Mum.

Review posted by Tania Forley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

With some help from both our parents and this fantastic personal loan from Santander, my partner and I are going to have the wedding of our dreams in June.We are borrowing £5000 to make up the extra money we need and will be paying it back over a 2 year period. We already have our mortgage sorted and this small loan is not going to be a problem for us. We will have to make some sacrifices regarding holidays and eating out etc. but it will be worth it because we are also having our honeymoon in the Seychelles so we won't mind missing out on a few summer holidays until the loan is paid back.Because both my partner and I have 123 current accounts with Santander this meant we would be getting a lower rate than advertised, so we really never considered going any where else for this loan.

Review posted by Meg Green, Stanford le Hope

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am really pleased with the deal I have just got with Santander for this personal loan. I wanted to propose to my long term girlfriend and be able to buy the best ring I could possibly afford so it was important that I got the best rate I could on a £2,000 loan.I looked at several online lenders but in the end my 123 Current Account with Santander meant I was going to get the most competitive rate from them thanks to the special lower rates for 123 customers.I am glad I opened this 123 account with Santander a couple of years ago because it really has paid off big time with the great rate I have got on this loan.

Review posted by Andrew Cross, Bromley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have trusted Santander with all my financial needs for as long as I can remember, and their service has always been impeccable. I had actually never used their services online before, and had always done everything in my local branch, but my daughter told me I really ought to get up to date with technology and make the most of internet banking. I decided to give it a go, and applied for a personal loan online. Santander's internet service is just as good as what I'm used to receiving in branch, and the whole process was actually much faster this way. I was amazed to see the money appear in my account so quickly.

Review posted by Vickie Maidenhead

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When the purchase of the house we were buying fell through at the last minute, we were in a really bad situation, as our rented accomodation was already due to be taken on by a new family the following week. All of our money was needed for the mortgage agreement, and I was hopeful that we would find something else suitable, however that left us with limited funds and nowhere to live in the meantime. I spoke to an adviser at Santander about my predicament, and they were very helpful and understanding. In the end they recommended that I take out a personal loan, and they offered me a very good rate and ensured that I received the funds as quickly as I needed them.

Review posted by Gayle Maidment

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When my parents house was burgled towards the end of last year, a lot of stuff was stolen, and they were quite shaken up about the whole thing, understandably. They are an elderly couple now, and were really made to feel vunerable in their own home. I wanted to book them a weekend away so that they could get over the trauma and relax a little bit, and in the meantime I would be able to get everything in the house back in order so that they could feel at home again on their return. Taking out a loan with Santander meant that I could book them something really special, and I can pay for it in several instalments over the coming months. I will certainly use their services again in the future.

Review posted by Nina Hately

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Thank goodness I bank with Santander because it just made the whole getting a personal loan thing so much easier than I thought it would be. I did the usual online loan comparison website thing and that just confirmed that my own bank were competitive enough for me to just stick with them for this loan. I also have the added benefit of a 123 current account which entitles me to a special lower rate. I would have found it hard to find a better loan than what Santander have offered me. I even got my boyfriend to double check for me to make sure i wasn't wrong and I wasn't. So I went ahead and applied for the loan and even that was made simple by being able to do it online instead of having to visit my local branch. I would say that everything Santander can do to make applying for one of their personal loans simple they seem to have done and that deserves a 5 star from me.

Review posted by Amy McKenzie, Hounslow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been with Santander for only just over a year and I thought it might not be long enough to guarantee me a special rate on my personal loan. I opened a 123 current account with the specific intention of getting a personal loan and hopefully a lower rate than the advertised one. The advertised rate was still very competitive so it wouldn't have been the end of the world if I didn't qualify for anything lower than that. Fortunately I did qualify and I am delighted with the rate I will be paying for this loan. Its lower than all the other high street lenders I looked at on some of the loan comparison websites. So I think I can safely say that going with Santander for this loan really was the right decision.

Review posted by Paul Davis, Colchester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been with Santander now for about 6 years and have been generally very happy with the move. This 123 current account is very good and I was won over to Santander when a family member recommended them to me and was extolling the benefits the 123 current account offered its customers.So the natural thing was for me to go to Santander when I was looking for a personal loan and it may have taken nearly 6 years, but I am finally seeing the real benefits of banking with Santander and having a 123 current account with them.I have a really competitive loan with very favourable APR thanks to my 123 account entitling me to a special lower rate and the loan agreement is both straightforward and convenient for me. I don't think you can ask for much more from a personal loan so I am very satisfied with the end result.

Review posted by Richard Blunt, Cricklewood

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Great service as always from Santander and I am very happy with the rate I am paying for this loan. It's one of the most competitive rates being offered by any of the main high street banks . If it wasn't I would have gone elsewhere for the loan but I wouldn't have been very happy about it. What's the point of banking with someone if they can't give you an affordable loan?If banks promise great things then they should honour those promises and when I opened my 123 Current Account with Santander they promised me I wouldn't regret it. This personal loan is affordable as well as competitive. So far so good, let's hope it stays that way.

Review posted by Gerald Downey, Upminster

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My house is going on the market this Summer but not before I get it looking in tip top condition so that I can confidently market it at the maximum price. I bought it new 8 years ago and I want it to go back on the market looking as good if not better than it did when I bought it.My estate agent agrees that it will be money well spent making the interior decor look fresh and clean again and also a bit of work on the garden to tidy it up and make it look appealing to prospective buyers.I went to my bank Santander and told them what I had proposed to do and they approved the loan in principle. I made the official application online and was delighted to find they were quoting an even better APR than the one we discussed earlier.Within 3 days I had the funds in my account and the work has just started on the interior. When the weather finally improves and we get some dry spells the garden makeover will be sorted and then the estate agents can work their magic and take some very flattering photos to show my house in all it's glory.

Review posted by Barbara Flynn, Potters Bar

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Our new house was lacking one thing as far as my wife was concerned and that was a conservatory. I had to agree with her because the surprisingly large garden was mainly lawn which was no longer necessary now that our children were off our hands and living in London. A conservatory would be a nice extension to the house and more importantly would mean less lawn to be cut every weekend!So I didn't argue with her and just went online and sorted out a personal loan with Santander Bank to pay for decent sized conservatory. They were quoting reasonably competitive rates for their personal loans and I was able to acquire a very affordable and convenient loan within hours of making my application. I even got a lower rate because of our 123 Current Account so I couldn't be happier with the outcome.Now we just have a couple of weeks of disruption to put up with while the work is being done and then hopefully we will be sitting in the new conservatory enjoying the view of our smaller but more manageable garden.

Review posted by Mr Peter McCulloch, Brentwood

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As a 321 current account customer with over £30.000 in the account I decided to apply for a loan as advertised at 3.6% for for customers who hold a 321 account..The staff at the bank proceeded to make the application, but could only offer me a loan at a rate of 13.9APR. although. It was approved I declined the offer. The bank assistant could not explain why it should be so high and could understand my feelings about not being able to get a reason from the bank why it was so high. I have no complaint about the attitude of the assistant, he did his best.I checked my financial status and it came out as excellent. The nest move was to make a complaint through the banks complaint procedure, which I did only to be told they will not discuss the procedure which made them reach the figure of 13.9%.I told the employee dealing with the issue I would write a review which would not be a good one, his basic reply was get on with it then and here it is.

Review posted by John Robinson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

i have been with santander more than six year .and i have applied for personal loan.before u apply they will offer you the best rate and then will jump so high. i have TOW business and they ask for proof of income . after i show them all and they have check my credit report(999out of 999)they reject my application. after all i gave them call but they said we can not explain you any things .100% rubbish bank and poor system .AVOID TO GET ANY THING FROM SANTANDER. YOU WILL BE DISAPPOINTED and also will effect your credit score and search record will stay on your credit report for three months.

Review posted by ozzy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed to borrow 5,000 to decorate my aging apartment. It had been years since it had been decorated and it was looking awfully dull. With summer coming I needed to desperatly brighten it up. Being very financially aware. I worked out all my calculations before hand and realised I could have the loan payed off within 18 months. So just 1 simple call and the Loan was agreed by Santander. I had to be a Santander Bank account holder which I had been for the last 10 years. The money was in my bank account within 5 working days and I could start choosing colours for my new living room. Thanks Santander.

Review posted by vanessa Chapmen

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I've been a customer of Santander Bank for nearly two years now and I have generally been very happy with the service they provide. I applied for this small personal loan because I wanted to start planning and organising my husband's 50th birthday without him knowing about it. Using our joint account was not going to be an option especially as I wanted this to be my present to him. I found it easier to get my loan through Santander and have the funds paid into my personal account and not our joint account. The first I wanted my husband to know about his present is when I am presenting him with the tickets for our flights to New Zealand where his twin brother lives. I wanted them to celebrate their milestone birthdays together and thanks to this great loan from Santander I am able to do this for him. Santander really have been great in putting together this affordable loan for me and approving it quickly so that I can go ahead and book our flights. I'm so pleased I chose to open this account with them.

Review posted by Sarah Rodgers, Cheltenham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm delighted with this personal loan from Santander and as I have been a very satisfied customer of theirs for the past 5 years I suppose I really shouldn't be too surprised that they were able to offer me such a great loan. Their rates are one of the most competitive on the market at the moment and they make the whole process of applying for a loan so simple and straightforward. On top of that my 123 Current Account allows me a special lower rate which just made things even better for me. I don't think I could have got a better deal on a loan anywhere else.

Review posted by Keith Wenton, Slough

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander have been my bank for nearly 10 years now and I have found them to be very good and this personal loan that they have just approved confirms that I have been with the right bank all these years. Having checked out what other banks are offering with their personal loans I don't think I could have got a better deal from any other lender. Santander really do seem to want to look after their customers and reward them with the best possible rates on their loans. I just want to say thank you Santander and to keep up the good service as it is much appreciated.

Review posted by Gregory Chandler, Brentwood

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My daughter was getting married and I really wanted to pay for her wedding dress and accessories as a special mother daughter gift. After a few months of us looking around different bridal shops she finally found the one! I didn't want to put a cap on her finding "THE DRESS" but when I saw the price tag with all the extras I almost fell over! I was so happy to find out that I could opt for a personal loan through Santander that would cover all the costs and even leave over enough for my outfit! I was really chuffed with the service they provided to help me to make my girls day so special!

Review posted by Judy H

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

As myself and my wife are getting older we tend to stay at home more and relax in the garden most afternoons and weekends. Our garden funiture was getting ever so raggedy and wasn't very comfortable for my wife GIllian with her bad hip. Our son said we should look into getting a low interest personal loan so we could get some much needed new out doors furniture. We were quite happy with the terms and agreements that Santander were offering for a loan over 12 month so decided to apply. We did have to wait a few days for a quote confirmation but after we had been accepted things moved rather quickly. I'm very glad we chose to use them.

Review posted by Philip anderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My bestie of like 10 years is turning 21, she's totes decided to do a weeks celebrating in Ibiza! I was so up for it I accepted straight away along with our other mates. So she started booking things like flights, hotel, party boats, spa days etc... Then she sent us all the quotes and started asking for our deposits... I like literally fell over when I saw the cost of everything but I cant not go to her 21st! I'd used dodgy pay day loans before and was going to look in to it when one of our mates told me she was paying for the whole thing through a long term personal loan. She hooked me up with this site and I paired up with Santander. I'm so glad I went with them they were awesome and so quick! Super happy! Ibiza here we come!

Review posted by Rosie

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was super chuft to find out I'd been accepted for a mortgage on my first property, the only problem was I could only borrow the exact amount needed for the flat. The place didn't need much doing but I still needed to find the cash for furnishings and fixtures. So I decided to look into getting a separate loan, I did a bit of looking around and research but then I fell upon readies witch then lead me to Santander. I found the representative really understanding and helpful, I was lucky enough to to get a loan for what I needed with no big hassle. I'm pretty happy with my decision.

Review posted by Joel w

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander personal loans have been a life saver to me this year, we've had a few ups and downs financially as we own our own small business and it's been a hard year. I had finally thought we were on top of things then I got a reminder about our car tax and insurance being up for renewal! Ahhhhhh! Sod's law just as you think your on top. We bank with Santander anyway so it seemed just a normal step to ask about a small but needed loan. They were really understanding about our situation and helped us to get all the paper work in place and our quote back to us as soon as possible because of our time limit. All went well and the loan was accepted just in the nick of time!

Review posted by Clinder

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was already a Santander customer and after some water damage was getting quite bad along with other parts of my house were in need of renovation I decided I'd had enough and now was the time to get it sorted!I looked into applying for a loan online which seemed pretty straightforward but as I wanted to be sure I was doing the right thing and wouldn't be hit with any nasty surprises I decided to go down to my local branch and have a chat with them.The customer service was great as it always has been and they told me there and then I would qualify for one.The interest and payment plan is extremely reasonable, the money was deposited into my account within days and my renovations are now underway! Cannot wait to see the end result and have my home back to what it should be.

Review posted by Jayne Hill

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Santander has given me my confidence back! I had cosmetic surgery done a few years ago and stupidly went for somewhere that offered discounted services without doing more research and let's just say I was less than happy with the results.It was beginning to take its toll on me mentally, physically and also starting to affect my health. I probably could have gone down the nhs route since it was a health matter now and not just an appearance issue but I didnt have the time nor the patience.I applied online after researching various loans and Santander offered me the best value for money and very fair rates. I was told on the very same day I was eligible and by the end of the week I had my loan!I booked this time with highly credited surgeon who has done a remarkable job at fixing me up. Lesson learnt!Thank you again Santander :)

Review posted by Jill Davies

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Money has been quite tight since my husband lost his job and has yet to be reemployed.We have a couple of spare rooms now that the kids have moved out and my daughter suggested doing them up and renting them out using air bnb.After much deliberation as my husband hated the thought of having strangers in our house and I wasn't that keen on the idea either we finally agreed that it was silly not to even try! The rooms weren't in bad shape but definitely needed sprucing up to be at a rental standard.I was very against taking out a loan just to do up the rooms that I thought would land us in even more financial strain but again my daughter who actually works for Santander explained to us how reasonable it was and how quickly we could pay it back once we started getting the income from the rentals so we went ahead and started the application process.We got our loan very quickly and my husband got to work on the house, we have our first guests next week and will hopefully get a steady income from it and pay back our loan soon. Very pleased we took the plunge and would recommend others to do the same if they find themselves in a position of need.

Review posted by Donna R.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The process was very easy and simple! Filled out the application, submitted it and the next day my loan was funded. 3 days later I had the money in my bank account! The interest rate was better than a lot of other sites offer and I have a good credit score. Do read the contract carefully so you understand exactly how the process works! In the contract they tell you how much they are charging you for the service which the amount depends on the amount of the loan you apply for. They simply take this out from the loan they will give you so you will receive a bit less than what you apply for. They also tell you exactly how much you will be paying in interest if you just pay the minimum every month but we all know it is better if you pay it faster so you dont end up paying a lot of interest.Overall, great, simple, and fast with Santander!

Review posted by Damian L

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The pre-approval process was quick, I decided to go with Santander and I've been very pleased by the process. I spent no more than ten minutes total on paperwork, and all of the requirements were very clear and easy to understand. I applied for my loan on Friday, received a request for bank information on the Saturday, my loan was funded on Monday, and the money was in my bank account by Wednesday. The website is clear and easy to navigate. I had a very positive experience from start to finish and I wouldn't hesistate to borrow from Santander again. Have already recommended to other family members.

Review posted by James Duncan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After getting quite irritated by other companies I had attempted to take out a loan with, I was nervous to apply for another loan online. I found Santander and I was hesitant at first because I didnt want to have to submit tons of documents AGAIN! I needed the money NOW and thats what happened with Santander. They were fast and easy... the amount they approved was a little less than what I wanted but I was getting rather desperate. Applied at night and it was approved by the next morning. There are so many lenders but if you want money fast without being hassled then I would definitely suggest using Santander. Their website is very easy to navigate too and cannot fault their customer service.

Review posted by Chris M

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I can't believe it's true but I am finally getting ahead on my finances thanks to the loan I took out with Santander.After being turned down by various loan options, I was soo happy to be approved by santander. I enjoyed everything about the process. It was a stressful period in my life but Santander helped to make it that much easier.It means that I will now be paying off my other loan that has an extremely high interest rate. The process was quick and easy to do online and I now have a ton of weight lifted off my shoulders. Thank you!!!

Review posted by Sophie Minards

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

The interest rate was higher than what I'd like but I needed the loan pretty urgently and got it. The application process was quick and easy. The decision was fast and I got funds the day after approval. This has been the easiest experience I have had with obtaining a loan after my initial attempt with another company that I wasn't very impressed with! I had also had a good experience with their customer service and I would recommend this loan company to anyone needing a quick and reliable loan that's also safe and secure. Only wish id looked into this sooner and got on top of things rather than spending the past two months highly stressed!

Review posted by Marc R.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was VERY skeptical about applying for this loan with Santander considering I was recommended for another similar loan company and was denied. I was checking my credit score and saw an advert for Santander. I read the reviews and thought I have nothing to lose so I applied. This was on a Sunday. The process took a total of about 30 minutes. I was told the same day I was approved a loan of 15.000! Still didn't think that the money was going to be deposited into my account. Well I was wrong. Money was in my account on Tuesday and the only reason why it wasn't on Monday was that I started the process on a Sunday. I called customer service because I just could still not believe that the process was so simple and everything checked out and they assured me it had all gone ahead at the rates that were said to me!

Review posted by Bella Ray

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Taking out a personal to pay for your daughter's wedding is something most fathers hope to be able to put off for as long as possible. That's how I feel about it but the wife was completely the opposite and couldn't wait to get our daughter married. It's not so much a case of wanting to get shot of the daughter,m ore a case of wanting the subsequent grandchildren I hasten to add!However, the time had come and I did look on the internet to see what sort of rates lenders were advertising before I approached Santander to ask them to give me a quote. I was quite happy with the response i got and even happier when they mentioned that my 123 Current Account made me eligible for a special lower rate. Once that rate was confirmed, a very decent 4.5% APR, I went ahead and accepted the terms and conditions of the loan and within less than a working week I have the funds in my bank account. As good as this loan is, thankfully we only have the one daughter so the next loan might well be for me to buy a boat but I haven't told the wife yet!

Review posted by George Shepton, Rickmansworth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm delighted with the personal loan Santander have given me today. My 123 Current Account was a major factor in me getting such a good rate and I am glad I opened the account a few years ago because it has certainly paid off with this loan and some other benefits that have come my way because of my 123 account. It wasn't just a marketing ploy, this account really does give you so many benefits and when I have repaid this 1 year loan I am going to consider getting some car finance from Santander if they can give me another great deal. Let's hope so!

Review posted by Marcus Anderson, Drumchapel

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Our new kitchen is thanks to a fantastic loan we got from Santander last year. We've just made the last repayment this May and we're continuing our home renovations with another Santander loan so that we can sort out the bathrooms next. Originally we thought about taking out one larger loan and doing all the work in one project but the upheaval of having both the kitchen and bathrooms out of action at the same time put me off a bit. My husband was happier with us having two smaller loans, one after the other so that's what we decided to do. We'd always planned to use Santander for our loan because we've been with them for about 10 years now and we both have 123 Current accounts with them so my husband took out the first loan in his name and this second one for the bathrooms is down to me. As he knows I've got some big ideas for these new bathrooms I suspect he thinks he got off lightly with his loan for the kitchen!

Review posted by Janet Steadman, Buckhurst Hill

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am so glad I have a 123 current account with Santander because it has enabled me to get this brilliantly competitive and affordable personal loan without any trouble at all. I am not saying I expected preferential treatment but they did say that 123 current account customers might be eligible for special lower rates and I was praying that would be the case for me. I am borrowing quite a large sum of money and the APR is the most important aspect of this loan as far as I am concerned. I had done some research online so I knew what the other banks and high street lenders were offering. I just wanted Santander to be able to match the best of the best. Anything after that would be a bonus. So I am really pleased with the final APR Santander have quoted in my loan agreement and just wanted to say so before I forget. It's a nice feeling getting such a great loan from your own bank as it makes you feel they appreciate your custom.

Review posted by Pippa Drew, Warlingham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

If Santander are good at one thing it is treating their 123 current account customers really well. They never make promises they can't keep. They said I would be eligible for special lower rates with any loans i take out and so far they haven't let me down. I took out a 1 year loan 18 months ago to buy my fiancee's engagement ring and I got a really good rate. So when I applied for this loan to pay for our pre wedding honeymoon I was hoping to get a similar rate and they went one better and gave me an even lower rate. We are jetting off on our pre wedding honeymoon next month so that my fiancee can chill out before the big day as she has been so stressed about the whole wedding planning and I thought this would be the best wedding present I could give her. Her parent's are paying for the wedding so I am not going to be taking on more than I can afford to. After the wedding we want to get started on renovating our new home so a honeymoon wasn't on the cards so I think this will set us both up for married life.

Review posted by Jake Goodrich, Bexley

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Even though you don't have to have an existing current account with Santander to apply for one of their personal loans it certainly is a bonus if you have a 123 current account with them because it means you could be eligible for an even lower rate on your loan. I hadn't even considered that when I first applied for this loan and was really pleased when they informed me that my 123 current account was going to bring the original APR that was quoted down a few more notches and the result is an APR that can't be beaten by any of the other lenders that I checked out on the loan comparison website. I am so pleased with this final APR figure and just wanted to say so on this public forum. I'm not going to say what the actual APR figure is, but if you have a 123 current account with Santander and are looking for a personal loan you should definitely go to them first and see what they can offer you before checking out another lender. If you get as good a quote as I did I don't think you'll be disappointed.

Review posted by Marcus Fisher, Ealing

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Because I have a 123 Current Account with Santander I was hoping I wouldn't have to go anywhere else for this personal loan. I wanted to take full advantage of all the things Santander promise you when you open a 123 Current Account and this personal loan was going to be a real test of that. Luckily Santander didn't disappoint me and on top of the already very competitive APR I was given an even lower rate which made the eventual loan agreement unbeatable if my calculations are correct. I really don't think I could have got a better deal anywhere and I just want to say a massive thank you to Santander for making me glad I'd opened a 123 account.

Review posted by Lesley Moffat, Trowbridge

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My 123 current account has definitely paid off big time with this personal loan. I got the best rate possible based on my personal credit status and that was helped along very nicely by the special lower rate that 123 current account customers are eligible for. Because the rate I'm being charged is so good I was even able to recalculate my loan amount and borrow a bit more which is great because it means I can clear a couple of credit card debts which is going to free up even more money each month for me and make the loan repayments even easier to afford. Definitely very happy with Santander at the moment.

Review posted by Gary Lindham, Welling, Kent

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Just got my personal loan from Santander approved and finalised and wanted to say how impressed I have been with how Santander have handled my loan application. After doing the initial application online I then followed through with a personal contact with my branch's loan adviser and she was extremely helpful and did her best to process the application as quickly as possible for me as the loan was needed in a bit of an emergency. She even pointed out that my 123 current account meant I was eligible for a lower rate which I had not even thought of. Can't say enough good things about Santander at the moment and in particular my local branch have been great.

Review posted by Nigel Ashcroft, Luton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money