You asked about the Santander Car Loan: here is how it works, the amounts and terms on offer and why it can be a convenient way to fund your plans.

See eligibility & how to apply →

Below you’ll find the amounts, terms and rates on offer, plus how the application works from start to finish.

Rates depend on your circumstances, so the APR you are offered may differ from the representative rate.

A flexible loan that fits your budget

Buy new or usedFree overpaymentsFixed monthly payments

💰 Amounts & terms

  • Loan amount: £1,000 to £35,000
  • Term: 1–5 years
  • Representative APR: From 6.7% representative on £7,500–£25,000 (maximum 29.9%)
  • Eligibility: UK residents aged 18+ with a regular income; existing customers can check eligibility

⚙️ How it works

You choose the amount and term within the limits available for your profile. After a quick online check you get a decision; if approved, the money is paid into your bank account. Your rate and monthly repayment are fixed from the start, so there are no surprises.

🧮 Work it out first

Use the lender’s loan calculator to see your likely monthly repayment before you apply, so you know exactly what fits your budget.

Approval and the rate offered depend on Santander UK plc's credit and affordability checks; your rate may differ from the representative APR.

See eligibility & how to apply →