Rating based on 32 reviews

Santander Car Finance


  • Car loans up to £25,000
  • Low-interest starting from 3.0%
  • Repayment up to 7 years

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Santander homepage

Author Santander. Screenshot of Santander website. [Accessed April 25, 2020]

About Santander

At Santander, we help people get what they want. With an easy online application process, you can get that car you have your eye and heart set on.

We have helped many living in the UK get the care they deserve. Family is a wonderful thing but sometimes it requires growth in ways we haven’t expected, like needing a bigger, more reliable vehicle. In this regard, we can help you!

Applying online has become even easier

We offer car loans between 1,000 pounds and 20,000 pounds for a new customer and you can choose how quickly you pay it off, anytime between 1 and 5 years. Once you have decided how much you need, you can apply online.

Quick online applications

A refer means we need more information and once we have the extra needed information, you will receive an answer within two working days.

Once your application is accepted you will receive information on how to sign online. We want to make things easy for you. When the signing is done you will receive a code which you will enter online and your funds will be released into the account of your choosing. The funds will reflect within two working days.

Santander Services

We have you covered with two options for buying a car, with car insurance also available through us.

We want your life to be made easier in these busy times, so we have everything you need to buy a car, ensure that car and travel insurance as well. No need to compare all the insurances out there, keep it together with our easy options.

Examine our car finance options

Would you like to drive away in a new MG, Volvo, or Mazda? Then our car finance is for you. If you are an existing customer falling into our 1|2|3 world category you will receive better rates. However, if you are a new customer do not worry, we have options for you too.

The loan requirements

You need to be over 18 years of age and have a full UK driver’s license; 3 years of employment history is also required. Your current vehicle cannot be exchanged or count as a deposit or part-payment. You will be responsible for the maintenance and servicing of the vehicle as this in not included in your car finance. Your monthly payments include your road tax. The car will become yours once you have made your final payment. You are also required, as a responsible driver, to have fully comprehensive insurance on the vehicle. This is an ideal option for someone who wants to drive a new car on a regular basis. Our car finance is a car hire option for certain makes of cars only.

Santander – Car loan

  • Loan Type Car loans
  • Interest Rate from 3.0%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Benefits of Santander

  • Apply quickly online
  • Get a decision in 24 hours
  • Affordable and flexible vehicle finance

Car loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Get a quick and reliable car loan from Santander

One of our available options to you is a personal loan which can be used to buy a car. You can buy any car you like and enjoy making the investment into a vehicle.

You can enjoy fixed rates and consistence payments. The loan is also not attached to your vehicle so your car is not collateral. You can experience and enjoy rates as low as 3% APR, with a maximum rate of 24.9%.

To qualify for a personal loan, you need to be over the age of 21 and live in the UK permanently.

Quick financial solutions

So, we are sure to be able to give you what you want, when you want it. You will need a yearly income of over 6,000 pounds, and you must be able to make payment via Direct Debit. If you have been declared bankrupt, had a CCJ or IVA within the last 6 years you will not qualify for this loan.

If you are an existing customer you could qualify for an extra 5000 pounds when applying for a personal loan, making the amount available to you 25,000 pounds. Imagine the car you could buy with that!

We also offer you the service of paying extra every month so you can settle the amount sooner, at no extra cost to you. Yes, there is no fee for overpaying or settling early. Every year you will receive a statement letting you know how much is still outstanding and how much has already been paid. This statement will also confirm the agreement made between us.  

Sign me up for these great deals

We have a few simple steps you need to take before enjoying your new car and experiencing the freedom your own vehicle can give you.

  • Step 1 - Apply for the finance option that suits you best. If you are unsure, one of our professional team members can assist you in finding what will suit you and your budget.
  • Step 2 – Sign your loan agreement, this is done online.
  • Step 3 – Put the code in and receive the funds.

The power and choice are in your hands, make the right choice with us. Today could be the start of your new, wonderful life, empowered by the options a car can give you.

man holding thumbs up

Santander is a trusted & reliable provider of car loans

In our review, Santander adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Santander is a registered credit provider in the UK; FCA number 106054

Customer Reviews & Testimonials

October 2019

I like that is so easy to apply. No queuing in banks and hassle-free

Michael K
— Manchester —

November 2019

Great customer care, I am impressed. They sorted everything out in a professional manner while being friendly and caring

Cathy R
— Liverpool —

Santander Contact

Contact Number


  • not available


Physical Address

  • Central, 406 Strand, Covent Garden London WC2R 0NE United Kingdom
  • Get Directions

Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday 09:00 – 14:00
  • Sunday – Closed