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Santander Loans

Santander is a loan lending company based in the United Kingdom. The company is registered for operation in both England and Wales as a reputable company for lending short-term loans for people to meet their different needs.

You may be short of fund to take care of some basic financial responsibilities but lack the financial power to get them done; you can call on Santander Loans to lend you some personal loans to take care of these needs.

Santander gives a loan of between £7,500 and £15,500 for customers on an APR rate of 3.1% to meet some emergency or planned financial needs. If you are an existing customer, you may enjoy a credit facility of £20,000 at the same APR rate of 3.1%.

Loan types

Santander offers personal loans that can be used to finance a couple of needs such as:

  • Car purchase.
  • Home improvement.
  • Debt consolidation.
  • Special occasion.
  • Other uses as dictated by your needs.

Your choices

Whenever you must borrow money for any purchase or seek a short-term financial assistance, consider the options offered by Santander Loans and see which of their borrowing options will work for you.

  • Overdrafts

If you are already a customer of Santander Loans, you can enjoy the opportunity offered by their overdrafts plan. This allows them to get a short-term loan that is subject to the status of the borrower. This is usually expensive for those who take undue advantage of the credit facility without the consent of the company.

  • Credit cards

The credit card facility allows their customers to make purchases on credit or transfer a balance from one provider to another. You can make use of credit cards if you have the means of paying back regularly and promptly.

  • Personal loans

The personal loans offered by the company is an avenue for customers to take a loan for a period longer that will usually cover by an overdraft. Personal loans are expected to be paid back within a stipulated period of time at a fixed repayment amount every month. If a borrower has the means, he can pay his personal loan back before the expiration of the given repayment period.

  • Other loans

There are other loan options for existing Santander customers who already operate their mortgage plan. Such individuals can take a loan by using their home as a security for the repayment. It is recommended that borrowers who are considering this loan should speak with a mortgage adviser before taking the loan.

Qualification criteria

Before you are qualified for their loans, you must meet some criteria that are set by the management of the company such as:

  • The borrower must reside in the United Kingdom.
  • He must be aged 18 or over.
  • He must have a paid job or have a regular source of income.
  • He must have the financial ability to repay the loan.

Meeting these basic requirements qualifies you for Santander Loans and you can take advantage of that opportunity.

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