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

About Santander

Unbeatable car loans for everyone.

With their rich history, it's no surprise that Santander offers equally outstanding car loans. Starting in 1849 with selling shares in order to acquire land on the outskirts of London, they have been reaching new heights for years. Improving and growing from mortgages to everything they have on offer including the greatest car loan deals in the UK.

How Santander started

In 1998, they became the first building society in the UK to demutualize with a listing on the London Stock Exchange completed in 1989. From 1992 to 2002 multiple acquisitions were made alongside a merger with the National and Provincial Building Society.

In 2010 they were rebranded as Santander UK. Since then they have grown even bigger and better to be able to offer the various services they do today. Changing from three former building societies to the full-service retail and commercial bank they are today.

Santander car finance is the best

Do you need a new car? Is your current car too small for your growing family? At Santander, they understand that sometimes an upgrade is needed for those inevitable changes in life. Getting the car finance you need is within reach with Santander. Your online direct lender.

Santander has helped many people living in the UK to get the life they deserve. That's why a car loan from them is a good choice. With their option of paying extra on your car loan every month, you may enjoy the benefit of getting your loan paid off quicker.

With a range of loans from £1,000 to £20,000 or even up to £25,000 if you are an existing Santander customer, your dream car can be within reach. You can choose to repay your loan anywhere between 1 - 5 years and you will not pay extra if you overpay your loan.

Santander Services

At Santander, it does not matter whether you are buying your very first car or if you just need to upgrade to a bigger car.

With their car finance, they give you the cash in hand to purchase your car where you want. And what's better is that your car loan is not secured against your car.

Santander has three different loan categories: 

  • Car loans for new customers.
  • Car loans for existing customers.
  • 1|2|3 World and Santander Select customer car loans.

Depending on the category best suited to you, the useful car loan calculator can be used to determine how much interest you will be paying and what your monthly installments will be according to your car loan amount.

Some of the options for existing Santander customers are: 

  • Choosing to top up your car loan.
  • Taking out another car loan.
  • You can choose to pay off your car loan
  • Requesting a settlement figure.

Take a car loan and get rewarded on your next

Santander has been backing the car purchase site Your Red Car and even rewards you when you buy a car from them. They have thousands of cars on offer at over 2,000 dealerships nationwide to choose from. Finding your next car is both easy and rewarding with My Red Car.

The cover you need with no hassle

With Santander home insurance, getting the cover you need is easier than ever. They offer quick and simple online quotes in minutes. With Santander, you can make changes to your insurance without getting penalized. They offer two levels of cover, namely Classic or Plus. When you choose to pay with Direct Debit each month, there are no extra fees.

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 quick loans calculator is subject to our terms of use.

Get a quick and reliable car loan from Santander

After completing all of the relevant areas you can submit your car loan application.

You will receive a referring decision. This is the procedure where their underwriting team will look at your car loan application and see if they need more information from you. You will receive an accept or decline email within 2 working days of all relevant documentation being received.

Sign your car loan agreement online

Once your application is accepted, they will inform you via email on how to sign your loan agreement online. When your signed application is accepted they will send you a code which you will then enter online to release the funds.

As soon as your funds have been released, your car finance amount will be in your bank of choice within 2 days. Your dream car need not be out of reach. Contact the team at Santander today and let them help you to not only get what you need but also what you deserve.

Benefits of a Santander car loan: 

  • Affordable and flexible vehicle finance.
  • Get a decision within 24 hours.
  • Great repayment terms.
  • Reliable finance.
  • Fast and easy application process.

When applying, make sure of the following: 

  • You are 21 years or older.
  • You must be a permanent resident of the UK.
  • You have no court orders or bankruptcy declarations.
  • Make sure you have read the terms and conditions.

When applying, make sure of the following: 

  • Your current address and all addresses listed by you in the past 3 years.
  • Your email address.
  • All relevant employment details including employer address, postcode, and phone number.
  • All details about your monthly income and expenses.
  • For the Direct Debit, your bank or building society account details.
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 UK: FSA 106054

Customer Reviews & Testimonials

October 2020

We will recommend Santander to everyone we know. The whole loan process was so quick and easy. Everything on their site is easy to understand and we had the cash for our new car in record time.

Jones H
— Aberdeen —

November 2021

When we came to the conclusion that we needed a bigger car for our growing family, we had no idea where to turn to for the financial help needed. With a referral from a friend we finally got the ...

Cooper E
— Edinburgh —

June 2021

Santander has gone to great lengths to help us get the best car loan possible. The whole process was fast and easy and we were able to get the car of our dreams. With them, dreams really do becom...

Wilson E
— London —

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