santander consumer car finance number

We're proud to work with a number of different lenders, and we look at each Focused on making life simple, Santander Consumer Finance offers a range of. Volvo Car Financial Services Contract Hire (with Santander Consumer) 0800 085 1322. Volvo Car Leasing (contract hire agreements with Lex Autolease for cars. A leading U.S. consumer watchdog is preparing to sue Santander bank alleging that the Spanish bank overcharged borrowers on auto loans.

Related Videos

Santander Consumer USA, Inc

Santander consumer car finance number -

Typically get a decision within 5 minutes


What you can get

  • Rates from 2.8% APR representative on loans from £7,500 to £15,000 for new and existing customers
  • Range of personal loans from £1,000 to £20,000, or £25,000 if you’re an existing Santander customer

Whether you're buying your first car or upgrading to a newer model, a car loan gives you the freedom to buy your car exactly where you want, with no limit to the miles you can do. Car loans aren’t secured against your car.

Unacceptable loan purposes
We are unable to lend for certain purposes. Take a look at our Key Facts Document (641 KB) for more information.

This table shows the rates that you may get if you apply for certain loan amounts. The rate we offer you depends on your personal circumstances. The maximum APR we could offer you on any loan amount is 24.9%.

New customersExisting Santander

Contact us

COVID-19 Impact at Santander Consumer

We are working hard to ensure that we are able to speak to customers that really need our assistance during these unprecedented times and we would like to thank you for your continued patience and understanding. We want to assure you that we are doing everything we can to support all of our customers during this difficult and unsettling period.

Please visit our COVID-19 support page for more information and support.

Please note that we only manage Motor Finance agreements, for help with any other types of finance from Santander please visit

COVID-19 help

For the latest help and information from us and how to request further support:

Find out more

Money worries

If you have concerns about meeting your next payment, help may be available to you:

Find out more

Make a payment

Make a payment here through our secure and easy-to-use online payment system:

Pay online


You can settle your agreement at any time. You can request a settlement figure here:

Settlement figure

Frequently asked questions

You can find answers to the most frequently asked questions here:

Santander Consumer Finance

Santander House
86 Station Road, Redhill, Surrey RH1 1SR


We want to make sure everyone can access the products and services we offer. For further information, please click here:


Help us to improve

If you have any suggestions for how we could improve this website or the service we have provided, please let us know:

Help us to improve


Car finance: how to get a deal on a new or secondhand vehicle

Decide on a budget

The price of secondhand cars has rocketed, rising at “unprecedented rates”, according to the AA – amid a shortage of new vehicles rolling off the production lines. Incredibly, some models now cost more used than they would new. So even if you are going for secondhand rather than new, still make sure you’re not overstretching yourself.

Check on the prices, running costs and depreciation of different models using comparison tools on Parkers, and What Car? Once you’ve decided on a model, and are good places to start your search.

Haggle down costs

Don’t pay the list price. Dealers will often be looking to hit targets and may be able to juggle figures to increase their chances of closing a deal. Negotiate using the cheapest online prices, and on used cars haggle over any defects, even if they’re minor. If you want any add-ons, such as a satnav, ask for these to be included as part of the deal.

What Car? lists a “target price” for negotiation on new cars which you should check out before heading to a dealer.

Consider borrowing

The cheapest way to buy a car is usually with cash. But a 0% purchase credit card can be a good option. You need to repay the debt in full over the interest-free period to avoid charges.

For example, Santander offers 31 months at 0% on its balance transfer card with a 2.75% fee. After the 0% deal ends, the rate is about 20.9% APR.

Paying by credit card gives you section 75 protection, making the card provider equally liable with the dealer if things go wrong.

Taking out a cheap personal loan may also be possible. If you have an excellent credit score, rates on borrowing from £7,500 can be as low as 2.8%.

MoneySavingExpert’s loans eligibility calculator finds deals you’re likely to be accepted for using a soft search that won’t leave a mark on your credit file.

Look at hire purchase

Get hire purchase (HP) or personal contract purchase (PCP) finance directly from a dealer. Or use an online comparison site to search for the best rate and find a car once you’re pre-approved for a deal.

Under HP, you pay for the car and interest over the contract period, and the finance company owns the vehicle until you make the final payment.

Beware of being lured by low monthly repayments on PCP

Under PCP, you take a loan, but won’t own the car at the end of the contract unless you pay a large final “balloon payment”. Alternatively, you can hand back the car, or trade up to a new model and sign up again.

Beware of being lured by low monthly repayments on PCP. These deals typically run for between three and five years, but monthly payments are lower than HP because you’re only borrowing the amount that the new car falls in value over the term, rather than enough to buy the whole car.

For example, a £30,000 model may only be worth £15,000 after three years, so the payments will only cover £15,000.

Matthew Harwood, a car finance expert at, says: “HP is the best option, as payments are spread evenly across the term – with PCP, you face paying the lump sum balloon payment.”

Compare finance deals

Compare costs across the whole market before you sign up.

For example, let’s take a Ford Fiesta Zetec 1.0 EcoBoost at an on-the-road price of £12,000 and £0 deposit.

If you have a good credit score, taking out a four-year personal loan at 5.9%, costs £280 a month. The total to repay is £13,461, according to

Under HP, if monthly payments are £291 over four years at 7.9%, the total payable is £13,964 (including a £10 purchase fee). Under PCP, monthly repayments are £218 at 8.9%. The optional final payment after four years is £4,424 to own the car, increasing the total to £14,911.

Check any setup costs and early repayment charges. Erin Baker, the editorial director at Auto Trader, says: “Adjust your deposit and the term of your agreement to get the right balance of upfront expense and ongoing monthly costs.”

Get a deposit contribution

There are a growing number of deposit-free finance deals. But if you do pay a deposit (and you’ll probably get a better rate by doing so), you may be able to get a contribution towards this from the dealer if you take out a specific deal. A deposit contribution is free cash, but compare costs across the market.

Baker says: “Any deposit contribution is typically knocked off your upfront payment rather than the amount you are financing. This can make the cost of a new car more affordable, but monthly payments generally remain similar.”

Rent the car

If you have no desire to own the car, leasing is an option. Also known as personal contract hire, it typically offers cheap, flexible deals – for example you can sign up for shorter terms of only a few months to trial a car.

You can lease a car directly from a manufacturer or through a car finance firm, with many now operating online.

You pay a deposit, and a set amount each month for two to four years. Compare the total cost of leasing deals on manufacturers’ websites if you’re after a particular model, and on comparison sites such as

But remember, while you won’t take a hit on depreciation, you’ll be left with nothing at the end of the deal.

Ask your employer

Leasing a car from your employer can be much cheaper than buying from a dealership. So check if your workplace offers a company car scheme.

For example, you may be able to halve the cost of leasing a new electric car if your employer is signed up to a work scheme.

Cash in your old car

You’re unlikely to save money by part-exchanging your car for a new one, as the dealer will want to make a profit. If you’re prepared to put in the groundwork to sell privately, check out free listings on Gumtree, eBay and Facebook, or you can pay to advertise on PistonHeads or Auto Trader.

You can also get a valuation, without committing to selling, on sites such as Webuyanycar, Auto Trader and Motorway.

But even though it’s not as profitable, the ease of part-exchanging appeals to many people. “The lack of hassle involved in this option is often worth the small financial hit you’ll take when trading in for a new model,” Baker says.


Santander Consumer Bank (Deutschland)

German Credit Institution

The Santander Consumer Bank AG is a GermanCredit Institution in the legal form of a corporation with headquarters in Mönchengladbach. It is a wholly owned subsidiary of the Spanish Banco Santander S.A.

The Santander Group is one of the largest banks in the world with over 133 million customers[2] and presence in more than 40 countries. In Germany, the bank is represented by the Santander Consumer Bank AG. The Santander Consumer Bank AG has a loanportfolio of €30.8 billion[3] and has about 5.6 million customers.

The business model of Santander Consumer Bank AG is based on three pillars: retail banking, vehicle financing and consumer financing. The Santander Consumer Bank AG is the largest manufacturer-independent bank in the field of car, motorcycle, and (motor) caravan financing and maintains ten dealer sales centers in the metropolitan areas of Hamburg, Frankfurt, Leipzig, Munich, Hanover, Berlin, Stuttgart and Mönchengladbach. The consumer financing business focuses on the consumer electronics, computer and furniture retail sectors.

The Santander Consumer Bank AG has 211 branches[3] in Germany (as of 31 December 2017). All banking services are also offered directly via online and telephone banking. In total, Santander employs 3,672 people in Germany.

The Santander Consumer Bank AG is a member of CashPool, the Bankenfachverband e.V., the Bankenarbeitsgemeinschaft e.V. and the Verband deutscher Pfandbriefbanken. Santander is affiliated to the Deposit Guaranty Fund of the Bundesverband deutscher Banken.


The bank was founded in 1957 as Curt Briechle KG Absatzfinanzierung by businessman Curt Briechle in Mönchengladbach as a sales financing company for automobiles. In 1968, the company was converted into a public limited company and renamed Bankhaus Centrale Credit AG.

In 1987, the Spanish bank Banco Santander Central Hispano (BSCH) acquired 100% of the bank and renamed it CC-Bank AG.[4] In 1988, the Royal Bank of Scotland acquired 50% of the CC-Bank's shares. In 1996, the Santander Central Hispano bought back the shares from the Royal Bank of Scotland.

In 2002, the Cologne-based AKB Privat- und Handelsbank merged with the CC-Bank AG.[4] The Cologne headquarter of AKB at Friesenplatz was dissolved. In 2003, the Santander Direkt Bank AG from Frankfurt, which also belonged to the BSCH-Group, was merged with the CC-Bank.

As of 1 October 2004, the bank's market presence was adapted to the corporate design of the Spanish parent company. Since then, the name of the brand was Santander Consumer CC-Bank; for the time being the official company name remained CC-Bank AG. In August 2007 the official renaming in the commercial register to Santander Consumer Bank AG was made.

On 1 July 2008, the Royal Bank of Scotland sold its consumer credit business unit ECF (European Consumer Finance) to Santander Consumer Finance. This included RBS (RD Europe) GmbH with branches in Ratingen (Germany), Houten (Netherlands), Merelbeke (Belgium) and Vienna (Austria), which now belong to the German Santander Consumer Holding GmbH. With the purchase the ComfortCard brand in those countries was also taken over.[5]

As of 1 July 2009, GE Money Bank GmbH in Hanover, which was acquired in November 2008, was merged with the Santander Consumer Bank AG.

In July 2010 it was announced that the German private customer business of SEB will be sold to Banco Santander.[6] The purchase price for the 173 SEB branches amounted to €555 million. As of 31 January 2011, the private customer business with about 1 million customers and about 2,400 employees was transferred to Santander and now operates under Santander Bank – Zweigniederlassung der Santander Consumer Bank AG.

On 1 July 2016, a joint venture in which the Santander Consumer Bank AG holds a 50 percent stake, was launched by the PSA Bank Deutschland GmbH. The PSA Bank offers car financing, leasing products and dealer financing with the Peugeot Bank and Citroën Bank brands. Deposits are available through the PSA Direct Bank.[7]

In September 2016, the bank obtained the license to issue bonds. At the end of November 2017, the bank issued a bond certificate for the first time.[8]

In 2018, the Santander Consumer Bank AG will unify its brand image and will only perform in Germany as "Santander". As a result, the distribution networks of "Santander Consumer Bank", "Santander Direkt Bank" and "Santander Bank" are merged.

Corporate Office and New Work Concept[edit]

As the number of employees rose to more than 1,300 after the merger with AKB Bank and as they worked at five different locations in Mönchengladbach, a new corporate headquarter was built at Karmannsstraße in Mönchengladbach by mid-2007 at the address Santander-Platz 1.

In the building planned by the architects Hentrich-Petschnigg & Partner,[9] the employees of the Santander Consumer Bank AG are to work with the so-called New Work concept. Meeting rooms for larger groups or small rooms, so-called "think tanks", for 1 to 3 persons are used for communication as well as "chillout lounges" or coffee bars.

Between 2013 and 2015, another complex of buildings was built on Madrider Straße in the Nordpark within sight of the Mönchengladbach stadium. Its shape and layout are based on the corporate headquarters at Santander-Platz.[10][11][12]


The Santander Universities global business unit partners with more than 1,200 academic institutions in 20 countries worldwide, including the German Universities of Bremen,[13]Heidelberg,[14]Cologne,[15] the Humboldt University of Berlin,[16]Free University of Berlin,[17]University of Düsseldorf,[18]Justus Liebig University Giessen,[19]Goethe University Frankfurt,[20]University of Göttingen,[21]University of Münster,[22]Saarland University,[23]University of Tübingen,[24]TU Dresden,[25] the TUM School of Management[26] and the Hochschule Niederrhein.[27]


The Santander Consumer Bank AG is not a member of the Employers' organization of the private banking industry and thus not bound by collective agreements. At Santander, according to union information, there is a "proliferation of varying salaries" that has arisen in recent years as a result of acquisitions of banks.[28] Almost one third of the employees work in a company-owned temporary employment agency and outsourced subsidiaries. According to Jörg Reinbrecht from the ver.di Financial Services Division, "even employees who only work on a commission basis have no fixed salary. They work in small branches that only sell loans, nothing else".[29] The bank denies this.

The union ver.di has been negotiating with Santander since February 2012 on a company collective agreement. In particular, the employees taken over from SEB demanded the continuation of their collective agreement for all Santander employees.[29] In April 2013, after 14 months of negotiations, an agreement was reached between Santander and ver.di. For the employees in the branches, a collective agreement came into force retroactively to April 1, 2013. There is still no collective agreement for employees in the head offices; the Santander Consumer Bank has committed to negotiations with ver.di for 2014.[30]

In the spring of 2012 Santander withdrew from the free checking account and demanded from part of the customers account maintenance fees again.[31] The information of the affected customers was packaged as a marketing campaign.[32][33][34] In a judgment from November 2012[35] the district court Mönchengladbach saw in the procedure of the bank a misleading of the customers,[36] a contract change requires the explicit agreement of the customer.[37]

Consumer advocates also criticize inadmissible fees for loans.[38] For example, Santander requires processing fees of up to 3.5 percent of the loan amount for installment loans.[39] Meanwhile, there are several court judgments against Santander because of loan processing fees. Consumer advocates have organized a protection community for bank customers because of the large number of those affecteded, which has already filed lawsuits against banks in 150 cases to repay the fees.[40]

Consumer advocates criticized in 2015 unjustified and inadmissibly high fees for address inquiries, reminders and ruptured direct debits.[41]

Awards (selection)[edit]

  • At the "BankenMonitor 2017" of the magazine "Autohaus", the Santander Consumer Bank won first place with Mazda Finance in the "Brands without manufacturer bank" category.[42]
  • "markt intern": For the thirdteens time in a row, car dealers choose the Santander Consumer Bank as the "Best Autobank 2017"[43]
  • "Fair Company" Seal of approval of the job and business magazine "Karriere" of the publishing group Handelsblatt[44]
  • The "IHK Mittlerer Niederrhein" ranked the Santander Consumer Bank Mönchengladbach several times as one of the best IHK training companies in the region[45]


  1. ^ ab"Santander Geschäftsbericht 2018"(PDF). Santander Consumer Bank. Retrieved 24 September 2019.
  2. ^"Santander in 2017". Santander Consumer Bank. Retrieved 25 March 2019.
  3. ^ ab"Santander Geschäftsbericht 2017". Santander Consumer Bank. Retrieved 25 March 2019.
  4. ^ ab"Die Ehemalige CC-Bank gehört jetzt zur Santander Bank". wallstreet:online. Retrieved 25 March 2019.
  5. ^"Das Unternehmen RBS (RD Europe) GmbH". ComfortCard. Archived from the original on 16 October 2012. Retrieved 25 March 2019.
  6. ^Höpner, Axel (12 July 2010). "Santander kauft sich ein Sorgenkind". Retrieved 25 March 2019.
  7. ^Baeuchle, Christoph (8 July 2016). "Neustart für PSA Bank Deutschland". kfz-betrieb. Retrieved 25 March 2019.
  8. ^"Santander begibt erstmals Pfandbrief". Santander Consumer Bank. 1 December 2017. Retrieved 25 March 2019.
  9. ^"Santander Consumer Bank Building"(PDF). Hentrich-Petschnigg & Partner. Retrieved 25 March 2019.
  10. ^Jüngermann, Ralf (11 December 2013). "So groß wird der Santander-Neubau". RP ONLINE. Retrieved 25 March 2019.
  11. ^Specks, Tim (31 October 2015). "Santander-Neubau im Nordpark fertig". RP ONLINE. Retrieved 25 March 2019.
  12. ^Schnettler, Inge (6 July 2015). "Santander-Neubau ist auf der Zielgeraden". RP ONLINE. Retrieved 25 March 2019.
  13. ^"New Yorker Studenten forschen in Bremen". Universität Bremen. Retrieved 25 March 2019.
  14. ^"Universität Heidelberg und Santander Universitäten erweitern bisherige Kooperation". Universität Heidelberg. 5 July 2013. Retrieved 25 March 2019.
  15. ^"Santander und Universität zu Köln verlängern Kooperation". 2 February 2016. Retrieved 25 March 2019.
  16. ^"Santander und HU verlängern Kooperation für das HU-Welcome Center "International Scholar Services"". Humboldt-Universität zu Berlin. 31 May 2017. Retrieved 25 March 2019.
  17. ^"Santander sagt weitere Unterstützung für Goethe-Uni zu". Goethe Universität Frankfurt am Main. 11 July 2016. Retrieved 25 March 2019.
  18. ^"Santander unterstützt die Heinrich-Heine-Universität". Heinrich Heine Universität Düsseldorf. Retrieved 25 March 2019.
  19. ^"Partnerschaft von Santander Universitäten und der Justus-Liebig-Universität Gießen". Justus-Liebig-Universität Giessen. Retrieved 25 March 2019.
  20. ^"Goethe-Universität Frankfurt and Banco Santander sign a collaboration agreement". Santander. 20 July 2012. Retrieved 25 March 2019.
  21. ^"Presseinformation: Förderung für Internationalisierung wird fortgesetzt". Georg-August-Universität Göttingen. 16 December 2016. Retrieved 25 March 2019.
  22. ^"Gemeinsam für Internationalisierung". Universität Münster. 2018. Retrieved 25 March 2019.
  23. ^"Fördern und Stiften". Universität des Saarlandes. Retrieved 25 March 2019.
  24. ^"Santander fördert Forschung und Lehre an der Universität Tübingen". Eberhard Karls Universität Tübingen. 4 May 2018. Retrieved 25 March 2019.
  25. ^"Santander und Technische Universität Dresden vereinbaren Partnerschaft". Technische Universität Dresden. 21 December 2016. Archived from the original on 2017-08-04. Retrieved 25 March 2019.
  26. ^"Santander and TUM School of Management sign cooperation contract". Technical University of Munich. 5 April 2017. Retrieved 25 March 2019.
  27. ^"Hochschule Niederrhein und Santander Consumer Bank AG erneuern Kooperationsvereinbarung". Hochschule Niederrhein. 9 October 2014. Retrieved 25 March 2019.
  28. ^"Banken". verdi. February 2011. Archived from the original on 2013-05-19. Retrieved 25 March 2019.
  29. ^ ab"Riesengewinne und Lohndrückerei". verdi. Retrieved 25 March 2019.
  30. ^"Geschafft! Arbeitsbedingungen tariflich gesichert!". verdi. April 2013. Archived from the original on 2013-05-19. Retrieved 25 March 2019.
  31. ^"Banken erhöhen heimlich die Gebühren". Handelsblatt. 18 October 2012. Retrieved 25 March 2019.
  32. ^"Banken verabschieden sich von ihren Gratis-Konten". WELT. 22 October 2012. Retrieved 25 March 2019.
  33. ^Shepherd, Christopher (4 November 2012). "Von wegen "kostenlos" - Wie Banken beim Girokonto tricksen". DER WESTEN. Retrieved 25 March 2019.
  34. ^Eckert, Daniel (21 November 2012). "Das Märchen vom kostenlosen Konto". WELT. Retrieved 25 March 2019.
  35. ^"LG Mönchengladbach, Urteil vom 26.11.2012 - 8 O 62/12". openJur. 26 November 2012. Retrieved 25 March 2019.
  36. ^"Was Bankkunden bei kostenfreien Girokonten beachten müssen". RP ONLINE. 21 December 2012. Retrieved 25 March 2019.
  37. ^"Bank darf Gratis-Konto nicht einfach umstellen". Handelsblatt. 29 November 2012. Retrieved 25 March 2019.
  38. ^"Banken: Illegale Gebühren für Kredite". Guter Rat. 12 October 2012. Retrieved 25 March 2019.
  39. ^Hagen, Jens (20 December 2011). "Wie Kunden beim Kredit Tausende Euro sparen". Handelsblatt. Retrieved 25 March 2019.
  40. ^"Kreditbearbeitungsgebühren: Rückzahlungen auch für Freiberufler und Firmen". Stiftung Warentest. 4 July 2017. Retrieved 25 March 2019.
  41. ^Lill, Tobias (7 May 2015). "Geringverdiener in der Gebührenfalle". SPIEGEL ONLINE. Retrieved 25 March 2019.
  42. ^"Votum mit Überraschungselementen". AUTOHAUS. 12 July 2017. Retrieved 25 March 2019.
  43. ^"LEASING & FINANZIERUNG". KLARMANN-LEMBACH. Retrieved 25 March 2019.
  44. ^"Santander Consumer Bank stellt sich vor". Fair Company. Retrieved 25 March 2019.
  45. ^"Beste Ausbildungsbetriebe 2015"(PDF). IHK Krefeld. 2015. Retrieved 25 March 2019.

External links[edit]

Coordinates: 51°11′42″N6°25′23″E / 51.195099°N 6.423129°E / 51.195099; 6.423129


Finance Explained

If you’ve already found the car you want and are now looking for finance, it’s important to choose the type that’s right for you. We offer a range of options which can be tailored to suit the way you want to pay. NovaCars are here to help you make the right choice for finance and will be pleased to discuss the options with you. We deal with a number of finance houses who may be able to help you regardless of your financial circumstance.

Conditional Sale - CS

This is the traditional method of financing the purchase of your car. Typically the cost of buying your car will be spread over a period of 2 to 5 years. After paying a deposit, you will pay monthly installments over the period of the loan and at the end of the agreement the vehicle is yours to keep. There is nothing further to pay although Conditional Sale agreements are available with a balloon payment at the end.

Personal Contract Purchase - PCP

This is more like a long-term rental, as you make fixed monthly payments to use the car until the contract expires. The payments tend to be lower than with other types of car finance, but there’s a mileage restriction. You have the option of buying the car at the end of the contract period by paying the optional ballon payment but you can just hand the car back. As the agreement is mileage restricted, if you have exceeded the stated mileage there may be an excess payment to make.

Our Finance Partners

We work with a numbr of finance partners including Santander Consumer Finance and Close Brothers to find the best deal for you. We are usually able to find finance in most circumstances including high value vehicles, poor credit history and negative equity.

Speak to us on 01952 813388 to see how we can help you.


Santander Consumer Finance is set to launch a motor financing operation in China in a joint venture with Anhui Jianghuai Automobile Company (JAC), starting with €58m in initial capital.

Each company will hold a 50% stake in the new company and nominate three of the six board members. Santander will appoint the general manager and JAC, the seventh-largest car manufacturer in China, will nominate the chairman.

The move gives Santander Consumer Finance access to JAC’s network of over 1,000 dealerships throughout China in a market of 18 million annual vehicle sales. Currently, Santander Consumer Finance facilitates the purchase of 1.3 million vehicles a year in the 14 countries in which it already operates.

In the UK, Santander Consumer Finance supplies car finance for Hyundai, Kia, Mazda and Volvo brands, as well as providing independent finance for new and used cars through its dealer network. Since 2009, the company has been operating an auto loan portfolio for GE Money.

“China is a huge market,” said a spokeswoman for Santander speaking to Motor Finance. “Through its consumer finance arm, Santander has huge expertise in the European and US markets. China is a market of opportunity if you can go into it with someone of experience such as JAC.”

The independent operation will be open to finance other passenger brands in China and Santander does not expect the venture to impact its other markets, staff or revenue outside China.

“We put together a local company with local expertise. It’s the bank’s model.” The spokeswoman added.

santander consumer car finance number

4 Replies to “Santander consumer car finance number”

Leave a Reply

Your email address will not be published. Required fields are marked *