Please speak to us in branch or call us on 08 as we can assess your borrowing needs and may be able to find a solution for you. We will send you a breakdown of the settlement figure including any charges associated with early settlement. You can request a settlement figure by calling us on 08. Take a look at our repaying your loan early page to learn more. You can repay your loan in full or make overpayments any time before the final payment is due. You can keep your original loan and take out a second one, in this case you will have two separate loan repayments to make. You don’t have to pay off your loan to borrow more. You can only arrange this in branch or over the phone by calling us on 08. In this case your new loan will pay off your existing loan and you will continue to make one monthly repayment. If you want to borrow more you can top up your loan. If you’ve never used it before, you’ll need to sign up first. You can see information about your Personal Loan in both Online and Mobile Banking. You can find out how to do this in your agreement. You can make unlimited overpayments at any time before your final repayment is due or you can repay your loan in full. Annual loan statementĮvery year on the date you opened your loan, you’ll be sent a statement confirming details of the repayments you’ve made. Changing your repayment date could mean that 2 repayments are taken within a 30-day period. To change your repayment date, call us on 08. Your monthly repayment amount is fixed and won’t change during your loan. When you apply for a loan, you’ll be asked to choose a repayment date between the 1st and the 28th of the month. Your loan repayments will be taken by Direct Debit each month. To view these documents, you may need to download Adobe Reader Repayments Terms & Conditions and Important Information (pdf) (86 KB).Personal Loans Key Facts Document (pdf) (783 KB).Once released, your loan funds will be in your chosen bank account within 2 working days. You'll need to enter it online to release your loan funds Receiving your loan Once your application is accepted we'll send you a code by first class post. You'll receive a further email with details of how to sign your loan agreement online. You'll receive an accept or decline email within 2 working days of the additional information being provided. This means that we need our underwriting team to look at your application and we may need more information from you. You'll receive an email with a decision by 7.30am. You'll usually receive an accept, decline or refer decision by email within 5 minutes. You might also want to re-visit our own eligibility criteria. You can do this by contacting Experian, Equifax or TransUnion. If our checker confirms that you might not be accepted for a loan, you may want to review your credit file. Using our checker won’t impact you getting credit somewhere else. It won’t leave a record on your credit file. Using our checker will give you an idea of whether we’ll accept you for a loan. You must have a good credit record and not been declared bankrupt, had a CCJ or an IVA within the last 6 years.You must be employed, self-employed or retired.We reserve the right to refuse any application. You should make sure you’re able to make the repayments over the full term of the loan. Your personal circumstances and the loan amount might affect the rate we offer. The calculator is for illustrative purposes only. You might be able to reduce your monthly repayments, and total amount payable by slightly adjusting the amount you borrow. The amount you want to borrow may be close to one of the points where the APR (annual percentage rate) goes up or down. The interest we charge varies between loan amounts. More about contents for renters insurance.Everyday No Balance Transfer Fee Credit Card.Everyday Long Term Balance Transfer Credit Card.Where can I get Santander Edge cashback.Current accounts View all current accounts.
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