A Santander personal loan used to buy a new or used car, with fixed monthly repayments over up to five years.
With a fixed rate and fixed monthly repayments, you know exactly what you will pay each month and when the loan will be cleared.
Compare the representative APR, the total amount repayable and any fees before you decide.
Benefits of the Santander Car Loan
- Own the car outright: Buy from a dealer or privately and own the car from day one.
- Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
- Free overpayments: Overpay at no extra cost.
- Check before you apply: An eligibility check uses a soft search, so it does not affect your credit score.
- Unsecured borrowing: The loan is not secured against your home or other assets.
| Feature | Detail |
|---|---|
| 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 to apply | Online via the official website |
Key features
Own the car outright: Buy from a dealer or privately and own the car from day one.
Fixed monthly repayments: Your interest rate and repayments stay the same for the whole term.
Free overpayments: Overpay at no extra cost.
About Santander UK plc
Santander UK plc is an established UK provider of personal finance products, authorised and regulated in the UK. Applying is straightforward and mostly online.
We compare independently and then send you to the provider’s official website to apply. We are not a lender or credit broker.
All rates depend on your circumstances and are subject to status. Representative examples and final terms are set by Santander UK plc.