Santander

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Company Information

  • Company Name :
    Santander
  • Website Address :
  • FCA IP :
  • Business address :
    2 Triton Square, Regent's Place, London, NW1 3AN
  • Phone number :
    0870 607 6000

Santander (Santander.co.uk) is one of the leading financial service providers in the UK, with a range of products available to its customers. Santander has a variety of loan products designed to meet its customers’ financial needs. The personal loan from Santander can be used for whatever the customer needs it for, whether that’s paying for a special occasion or covering unexpected expenses.

While using your own savings is generally the best way to cover costs, loans can be useful in a range of circumstances. Santander’s personal loan is an unsecured loan, so taking it out won’t put your home at risk should you fail to meet the repayments.

The personal loans from Santander have varying interest rates that are calculated based on the amount of money being borrowed, the length of the loan term and the individual financial circumstances of the customer. Customers can use the Santander website’s loan calculator tool to get a sense of how much their loan will cost them over time, and what figure they’re looking at in terms of monthly repayments.

Santander has personal loans available from as little as £1,000 up to £20,000, although the amount you can borrow may depend on your circumstances and how much you can afford to repay. Customers can pay back their loan over a course of 12 to 60 months. Overpayments may be possible without a charge, depending on the terms of the particular personal loan taken out.

Santander’s personal loans are available for Santander current account holders as well as new Santander customers. You must be at least 21 years old, a resident of the United Kingdom and have a gross annual income of at least £5,000. Customers do not have to have a Santander account, but they must have an account with a bank or building society that has a direct debit facility. Special lower rates may apply for customers who hold a Santander 123 Current Account or 123 Credit Card.

114 Reviews of Santander

I’m a happy Santander customer, and I want to encourage anyone else who’s currently banking or taking out loans from other banks and not feeling like they’re getting the best possible service to check out Santander. I’ve taken loans out from other banks and felt like I was getting a hard sell- pressured into taking out loans I couldn’t really afford and then harassed when I struggled to meet the monthly repayments.Santander have been the total opposite from the start. I went in to my nearest Santander branch to speak to them about loans because I had my eye on a new car and wanted to avoid going through the dealership financing route. I had a look at Santander’s rates and was very impressed, they looked properly reasonable and they had flexible repayment terms. I also liked that I could make overpayments if I had a little extra cash to get closer to paying the loan off.The Santander staff member that I spoke to in my local branch (Basingstoke) didn’t try to pressure me at all into taking the loan. He chatted with me about my general options for paying for the car, and talked me through the bank’s personal loans to see if it could be a good fit. After running a credit check and taking a look about my income and expenses details, he offered me a quote on the amount I needed to borrow, and I was very happy with the terms of the loan.It was so simple and easy- I had the money in my account straight away and was able to pay for my car in full and deal with Santander’s decent interest rates instead of the extortionate ones offered to me by the car dealership. I felt like I was treated as an individual by the Santander adviser and that he really took my circumstances into consideration and helped me get the best deal possible. It’s a really good bank with some great staff members, so I’m a happy customer.

Review posted by Liam Conner

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It was love at first site. As soon as I seen the Nissan Juke in the dealership, I knew I had to have it !I financed it via Santander, so I'm now paying £90 a month but I've got the absolutely perfect car. £90 is manageable, I don't really notice it going out of my account. Plus the were really nice to deal with, I had a couple of questions about direct debits and spoke to a nice lady on the phone who explained it all to me.I'd recommend Santander... this was the first time I'd ever taken out a proper loan but it was so simple and worth it.

Review posted by Kate. D

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I work as a sales / marketing manager in West Sussex and have to drive all over the country meeting clients. As you can imagine, a car is not a luxury, it is a necessity for me. Without one, I couldn't do my job and if I couldn't do my job I couldn't provide for my family. For the past 5 years or so I've been driving a company car but as my firm is cutting back I was required to find my own car. My savings are virtually non-existent so buying a car on the level I need to maintain my image was near on impossible.Thankfully, Santander have bailed me out massively. I'm not one for credit of any sorts but luckily over the years I've built up quite the high credit rating. Given my earnings and high score I was offered a significant amount by Santander. Well above what I was offered at my own bank or the other online lender who I tried. I have now accepted their loan and I'm driving a nice shiny BMW. If you need credit, don't be afraid to shop around. Credit really does make the world go round!

Review posted by Mark Moorcroft

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Hola,My name is Juan and I am Spanish. I have lived in London for the past 5 years. I sold my car for a very good price, I believe it was quite a bad deal for the buyer but he made the offer.I wanted to get a loan so I could buy a better car and still have some cash left over.Because I am Spanish and Santander is a spanish bank, I didnt think twice. I am happy with the service I got, I was approved and got the money quickly. Staff were just fine and interest is similar to all other banks/loaners

Review posted by Juan Carlos

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In order to buy my family car, a seven seat van I had to put down £5000 down as cash deposit, and then would pay a small amount every month.I didnt have the five grand at the time so I decided to get in touch with Santarder bank to get a car loan.I am a client of theirs in the first place, so I phoned them and I was granted the loan in a blink of an eye. The lady on the phone was super friendly, she helped me with a few issues I didnt really understand but anyway, Santander were up to standard as I expectedMathiew

Review posted by Matt

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Its good to know that even though I am only 21 years old, only work part-time and earn little money I was still granted a car loan. I was not discriminated or underestimated/under-valued.I do not have a Santander account and still was approved when I requested for a small loan. I dont need much, I just wanted a set of wheels to get me from A to B, and hopefully back to A :)I was approved a £2000 loan, I bought my new, second hand, nice humble car.They treated me very nicely, as if I was an older person. They were quite flexible with the terms, and interest was ok...Good one Santander

Review posted by Osvald

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Having been a client of Santander for a number of years and not really looked into all the advantages available when it comes to applying for a loan , I decided to give it a go. I had my eye on a 2 year old vehicle and needed £20 000. The dealership offered a loan package but Santander was by far superior and the car was yours. The monthly repayments were very reasonable as were the interest rates.The staff at my Branch were super friendly and helpful and soon after confirming my income and financial situation the deal was done.I recommend Santander strongly to anybody after a car loan..The beauty is that it can be treated as a personal loan thereby making you the immediate owner with the minimum amounyt of red tape. Excellent Santander!!!

Review posted by Andrew Wilson

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My name is William Harrison. I am 45 years old. I had seen the car of my dreams and felt it was affordable. The dealership tried to convince me to go their way but my girlfriend suggested I try Santander as she had been a client of theirs for a while.I was amazed at all the advantages in using a bank like Santander as opposed to other loan institutions What a good choice. Their interest rates and conditions were really favourable. I wanted to pay in the region of £120 per month and this was soon arranged by their efficient staff. This was all carried out with the minimum of burocracy. No stress, no headaches.

Review posted by William Harrison

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I am 45 years old and have owned quite a few cars, although all of them were used and well used to be sure. I thought it time to spoil not only myself but also my good wife as she was the one who spotted the beautiful SUV and fell in love with it. The dealership were really keen to do business with us and put to paper a deal that did not seem too bad. We own our own little home and have a mortgage wth Santander and I recalled that personal loans could be obtained if you were credit worthy. Unbelievably without much fuss and a lot less red tape than usual we got the personal loan at far more favourable rates than we thought possible and we now have our dream car at a monthly rate that we will quite easily manage. Thank you Santander for your help and guidance. We will cartainly tell all and sundry about you. Excellent.

Review posted by Patrick Smythe

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I am 20 years old , have a steady job and earn a reasonable income, I believe. I have always been comfortable using public transport but I just felt ready to make the step up to buy my own vehicle. I realised that being my first car I should not look too high but I should also look at reliability and resale value. It did not take too long to find the car that was very suitable and now came the task of applying for a car loan. I thought that me being so young and this being my first car might pose a few problems but on the advice of my parents who are Santander clients I visited their branch. The staff were wonderful and before long all the different options were explained to me and a monthly payment of 140 pounds was settled on which I felt quite comfortable with. What impressed me the most was the speed at which everything was concluded. Really all they wanted to know was about my employment and stability.The rest was the usual form signing which was over in a jiffy. Certainly made me feel a lot better about our banking system. I recommend to first time car buyers totally.

Review posted by Paul Butler

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I am 30 years old and have a steady job and so does my wfe Anne. I also had no idea that you could use a personal loan to buy a car. I was always under the impression that a car loan with rather high interest rates was the only option The dealership structured their own repayment system which I felt to be exorbitant so I had a look at a few other options and incredibly and luckily I found out about Santander. A visit to the local branch and I was soon relieved to see all the appealing financial packages they have and I applied for a personal loan which was granted shortly thereafter with very little burocracy. What really appealed to me was the fact that the car was mine from day one and needless to say a much better deal was given to me than the one offered by the dealership. Thank you Santander for opening my eyes.

Review posted by Oscar Bennett

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I live in a rural area where the public transportation is just plain horrible, the schedules, the buses, everything. Therefore, I decided it was time to buy a minivan, but having two children at my responsibility, I could barely afford a scooter. One of my co-workers then told me about his experience with Santander so I got in touch with them through the numbers on their website and in about two hours, I had the greenlight and started my search. Now I feel confident about getting my kids on time for school without any hassles and have some room to any unexpected bills.

Review posted by Danny Krutz

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When my fourth son was born, our five-seat car revealed itself insufficient for our family so I was desperately looking for a new car, but having four boys in my care I was already struggling with my finances. I heard from several people who took loans from Santander to buy cars, and were actually truly happy with their experience. I needed to find more information about them so I called them at the number listed on their website and 2 hours later, I had greenlight to buy a six-thousand-pound car. Very happy with how everything ran and would definitely recommend them.

Review posted by Jonathan Albert

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My flipping car keeps braking down. I am tired of these mechanic bills I keep on getting. I am always saying that I am going to repair my car, and sell it just to get rid of it.I never get to sell it because I dont really try hard enough and just when I am about to sell it, it brakes down again.Enough is enough, and tomorrow I am towing my car to my mechanic and I am not going to drive it anymore until I sell it.I went online and requested a loan for a car with Santander. Soon I will buy myself a decent second hand car. Hopefully, this one will be more reliable and wont give me unnecessary mechanic bills. Finally thanks to Santander I got rid of that old piece of metal and am now going to afford a better ride :D

Review posted by Mechanic's best friend

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I'm not an impulsive person by nature, more of a steady Eddy as my wife likes to refer to me as. But I can't deny that it was pure impulse that made me buy my new car after I saw it sitting on the forecourt of our local secondhand car dealership. I had always wanted a top of the range 4 x 4 but never seemed to be in a position to afford to buy a brand new one so subconsciously I have always been keeping an eye out for a good second hand one at a price I could justify taking out a loan for.After test driving the car I had to act fast because the dealer said there were a couple of other people interested in buying it and whilst that may well have been just sales talk, I didn't want to take the risk of losing it. So I left and small deposit and shook hands on the deal before going straight home to apply for a loan.As I have a 123 bank account with Santander I didn't bother looking elsewhere for a loan because I knew from previous experience that they would give me a very competitive loan. Suffice to say, I got the loan and have just taken delivery of my not quite new but still very, very nice 4 x 4 and I couldn't be happier.

Review posted by Jeremy F.

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After 5 years of living and working in London straight from leaving school, I have just moved back to the suburbs to be near my parents after my dad had a heart attack recently. I am glad to say he is fully recovered now but it just made me realise how little I saw them when I was living in London and so even though I still work in London and commute there by train, I definitely need a car to be able to get about easily now that I am living in the suburbs.My dad said he would help me when I was looking for a decent secondhand car and as soon as we saw one I really liked we went straight into our local branch of Santander where the staff know my family quite well and we did the loan application there and then. The next morning I got a phone call from the bank to say I had got the loan and the money was being transferred immediately. I got straight on the phone to the car dealer and told him to put a 'sold' sign on the windscreen of what is now my lovely little VW Golf and I am absolutely delighted with being behind the wheel of a car after relying on public transport for so long.

Review posted by Louise Bagshaw

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I always said that when my salary rose to the dizzy heights of 20 grand p.a. I would buy myself a brand new car. Of course the sort of car I wanted to buy would still require me taking out a loan but when I got my recent pay rise and my salary went past the 20 grand mark I got straight on to the task of looking for a nice new car.Because I bank with Santander and have their 123 account I knew from the off that I would be applying for my loan with them and not taking up the option of the dealership finance which is generally not the best deal. And besides, I wanted the new car to be legally 100% mine from the moment I took delivery of it which would not be the case if I had chosen the dealership finance option.So with my fingers mentally crossed I went online and did my loan application with Santander and was able to uncross my fingers almost immediately when they approved the loan in principle and the next day they informed me the loan was going ahead at an even lower interest rate than originally quoted because of my 123 account with them, and the money was being transferred the same day.I now have my brand new '100% mine' car and it is all thanks to Santander.

Review posted by James

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When I bought my first car nearly 20 years ago I paid cash for it and it wasn't because I was particularly well off but more a case of it was so cheap because it wasn't much more than a rust bucket on 4 wheels. But it served me well when I was first driving and so the odd bump or scrape wasn't anything to get upset about.However, I am a much better driver all these years later and I am rather fussy about the kind of car I am seen driving and so I have been using car finance of one kind or another to buy my last couple of cars. The main problem with the dealers car finance which I made the mistake of taking out the first time I bought a new car, was the car wasn't really mine until I had made the final repayment and somehow that made me feel as though I was driving someone else's car.I haven't made that mistake again and after having a very satisfactory car finance loan with Santander for my previous car I decided that was the best option for me again when I was looking to upgrade it recently.I had the money in my account after a very straightforward online loan application and as I already had my eye on a suitable upgrade it didn't take more than a couple of days to be the proud owner of my very smart new car.

Review posted by Tessa Allsopp

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I have just taken out a superb car finance loan with Santander to help pay for my wife's new car. It's a 60th birthday present for her and even though she loves the little car she has been driving for the past 10 years I knew she would be thrilled with the new one.It was difficult trying to keep it a secret from her but because we have a good relationship with our local Santander branch I was able to do the loan through them and told the staff to keep it from the wife if she came into the branch before her birthday.At the end of the day, the hardest thing about the whole new car surprise was getting a big enough bow to tie around it and sneaking it onto our driveway at the dead of night without the wife hearing anything, which is rather a difficult thing when you have a gravel driveway!

Review posted by Malcolm

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When our son started his new school last month I suddenly became conscious of the fact that our old family car was looking a bit worse for wear. When I took a quick look around at all the other mums cars I suddenly felt like the poor relation and when one of the mums actually presumed I was the nanny dropping her charge off I decided we had to get a new car and fast. For heavens sake, even my 6 year old son was embarrassed to be seen getting out of it and pleaded with me to drop him off further up the road so his new friends wouldn't see him getting out of our old banger.So after a bit of a somewhat heated discussion with my poor long suffering husband whose only concern is that the car starts in the morning, we decided to get a loan to pay for a newer car. He absolutely drew the line at buying a brand new one saying they devalue as soon as you drive them out of the showroom.Being customers of Santander we chose to go with them for a car finance loan because whatever car we bought we wanted it to be ours from the offset rather than succumb to dealer pressure and use their finance facility.Santander didn't let us down and before we knew it we had our loan approved and as soon as the money hit our account we went shopping for a better car, taking our son with us to make sure he approved of our choice.My son has just had his first invite to a school friends house for tea and I know it might sound cynical, but I wonder if the new car had anything to do with it.

Review posted by Rita Boyle

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I have just got a new job in London having worked locally since leaving school. I will be commuting by train but my local station is a real pain to get to, involving a long walk or a bus ride and then a walk.My dad suggested I finally make use of my hardly used driving skills and get a small car to drive to the station each day. I suspect he was thinking of himself more than me because I had considered asking him to give me a lift now that he is semi retired and is at home a bit more.Well I took his advice because the truth is I really fancied the idea of being able to drive myself everywhere at the weekend and evenings instead of relying on taxis when I had a bit of money and the bus when I was broke.Dad helped me look for a car and when we found a nice little bargain we went straight home and Iapplied for a loan with Santander because that's the bank I am with and I am really happy with them. Because I happen to have the 123 account with them I qualified for their special lower interest rates which just made the whole thing even better. So now I have my car and I wonder how I ever got by without one for all this time.

Review posted by Laura G.

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I am the kind of person that likes to keep things simple and as uncomplicated as possible especially when it comes to my financial affairs. So when I decided to buy a new car, the first for nearly 20 years I didn't want to go down the route of taking out a finance agreement with the dealership I was buying my new car from.In spite of all the sales talk from the salesman, who was obviously in line for extra commission if he managed to sell a car and the finance to go with it, I knew it would suit me much better to purchase my new car outright. So I very politely declined the finance but told him I would be buying the car with the help of a loan from my bank.Santander made it simple and straightforward to apply for a loan with them and I think about that when I get into my new car and drive past the dealership on the way to work each day.

Review posted by Jeff H.

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Most people think I am joking when I tell them that we changed our previous car because our baby's pram wouldn't fit in the boot. But that is the truth and had we had the foresight to measure things before we bought the pram we might well still have our other car. But hindsight is a wonderful thing isn't it.Changing prams for a smaller one was not going to be an option as far as my wife was concerned and so that lead us to buying another car and to do that we went to Santander for a car finance loan. Fortunately we got a really good interest rate and now that I have got the new car I am really quite pleased that the pram took priority over our old car because the 0to60mph on this new one is really quite impressive but I haven't pointed that out to the wife who is always nagging me to slow down when I am driving.

Review posted by Madjur Singh

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I have to admit I am a bit of a show off and a poser and when I am driving my new convertible sportscar with the roof down through our town I can't keep the huge grin off my face. I am dreading the winter when I won't be able to put the roof down so often, but my mum reckons that as long as it isn't chucking it down with rain or snow I will just wear thicker clothes and still have the roof down.Anyway none of this would have been possible without my loan from Santander. I have been banking with them for several years and my new 123 account with them gives me all sorts of privileges the most important being the special lower interest rate on my loan to buy my car.So I just want to say a big thank you to Santander for providing such a great service to someone like me.

Review posted by Kelly

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I have been looking for a 2nd hand car for my wife for a little while and realistically I was looking for one to buy nearer Christmas time as a big surprise. I came across the Auto Trader website and found a perfect little car only 64 miles from our town. I was immediately impressed and had range to go and see the car. Before i did i contacted my bank by phone to see what apr was available and what ruffle i was looking to pay back on a small loan of 3K. The prices/rates available to myself were reasonable and the lad who i dealt with was first class. From the very first phone call he tried his best to get me the best deal and kept me updated with progress all the way through. He called me back the day after i had been to see the car to see if i needed the loan and if i was looking to apply. i felt the service was outstanding and he was bending over backwards to help get me this car for my wife. After waiting around 6 from when i last spoke and applied this same lad called me to let me know my money was in my bank account. (i think he was called tim, or tom) Great Lad I can't thank Santander or recommend them enough and when the time comes I will certainly go back to them when i go to buy myself a new car. My wife is very happy, so this makes me happy.

Review posted by Mr B Patel

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I applied for a personal loan with Santander on a bit of a wim to be honest. I have been driven my big brothers first car, for 4 years now after i had it for nearly 6 years himself. I wanted something more me, something more for a girl and more new, more nice!And as it turns out, i am soooooo glad I did !Now the proud owner of a new golf thanks to some great customer service from the person I dealt with over the phone. They got me a great deal on loan rate of 4.6 % and they did tell me if i waited and opened a 1 2 3 account i would maybe benefit for a lower rate. Great customer service helping me save money. I am happy with the polite service and i will always there will recommend this bank for there great customer service.

Review posted by Misty Faulkner

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I called Santander when i was needing help when i was looking into buying my very first car. I spoke to a guy - he was very polite and helpful and he first helped me buy confirming I could apply for a loan. He went threw the id i needed and what bank statements and housing information i would need, and then secondly he helped buy filling out the loan app over the phone. I was contacted buy email later that week with confirmation of everything and i was told the date the cash would be with me. On that day i went to purchase the vehicle i was contacted again buy santander to let me know the cash was available and i could use this. Great service and no problem with making a debit card payment for over £7000 with no issues. Thanks Santander.

Review posted by Amy Brady

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I am a proud owner of a Seat Leon 1.9, TDI, Cherry Red, 5 door little beauty. I applied for a loan with my bank online, was really easy i just logged into online banking and applied. My car is second hand so i wasn't looking to borrow much. I have my 123 account so i got accepted with a loan rate of 4% over 24 months i borrowed £3000 with them. It is easy and simple to apply if you are a customer and the funds took a few days to clear into my account. Impressed with the service , and my first loan repayment was taken today, with no issues. Im going this weekend to put some new Alloy Wheels (16in) on my beauty.

Review posted by Ali Wood

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I have been looking to buy a newer car for a while now, and i have been shopping around. I have a TT just now and i went to look into my trade in option and the finance was a joke, total joke! They wanted to take my TT and over me 8K finance with a 12.8% apr, i nearly passed out, guy must have been on some kind of drugs. Crazy rates, i did not take this deal. I continued to look around but most car dealerships APR was like this, take your car and give you a lovely new one but crippling payments. Horrible service , but i did want to trade in my car for a newer model as this is easier than selling my car and the time it takes to find someone interested to buy. I looked into trading in my car and paying the rest on a new model, this worked out at £7,964 so i contacted my own bank to see the loan rates. Very impressed when i was told rates can be a low as 4.6% over 5 years and i filled in the application with Sonia over the telephone. Sonia was lovely, very friendly and sent me updates often there email, on the loan application and payment process after i was accepted. Could not have asked for anyone nicer, if you call up looking for a loan ask to speak to Sonia, in the accounts depeartment, lovely girl.

Review posted by Mrs Helen Abignale

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I passed my test when i was 17 years old and have been sharing a car with my older brother for the past few years. I am tired of fighting over who has the car and when so we decided to sell it and split the money to both try and get our own car. This was the plan. This soon changed after the car was hit in a car park when we were shopping, looks like someone reversed into the back end.I am 22 years old now and working part time and studying at Glasgow uni, i never thought in a million years i would get accepted for a loan, but i did !!!! and since this i have told my brother to apply and see if you car help him get a new car too.I took out a loan of 1300 over 1 year and i got a run around, nothing fancy but she is all mine and the monthly repayments are small enough to manage.

Review posted by Mr Jon J Florence

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When I was looking for a car finance loan I did the initial search online but ended up just going to my local branch of Santander Bank because their online quote was as competitive as most of the other loans I looked at but I had a few reservations about borrowing that amount of money and just wanted to talk to someone face to face.The loan advisor that I spoke to was very helpful and helped to dispel some of the worries I had and because I have a 123 account with Santander the interest rate was even lower than the original online quote which made the decision that bit easier to make.I got the loan approved and the money transferred into my account within a couple of days and I am currently trying to make up my mind about what car to buy. Maybe I should ask Santander for their advice on that also.

Review posted by Georgie P.

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After my husband died I continued to drive the car we had had since before we got married. It held very special memories for me especially as we had driven all the way to Cornwall in it for our honeymoon. But ten years on and unfortunately our little car was beginning to become too unreliable for getting me to and from work and for any journey for that matter.I made the decision to keep the car for sentimental reasons and store it in my parents garage but that meant I would have to get a loan to pay for a new car. As I had just opened a new 123 account with Santander Bank I decided to go to them first.I am glad to say the quote they gave me was competitive enough to make me accept it straight away and I wasn't worried about making the repayments each month because Santander were very careful to make sure I wasn't borrowing beyond my affordability.

Review posted by Elaine Addington

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My partner and I have been together for many years and we have always shared the responsibility of paying the mortgage and other household bills. But when it comes to cars that is where we have agreed to go our separate ways.My partner is happy to drive around in an old Ford Escort that wouldn't look out of place in a scrapyard but I am a pit of a petrol head and car fanatic in general and always have to drive a nice car that I usually change every 3 or 4 years in order to keep up with modern car technology and that is why I am about to buy my next car with a loan from my bank.I have used car finance companies before but never really been completely happy with their terms and agreements so this time I am going with Santander who have just given me a very competitive quote with terms and conditions that I am much happier with. I'm am now trying to convince my partner to change their car too because I think the neighbours are going to start complaining that it is lowering the tone of our street.

Review posted by Tina Wilcox

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I have had my Santander 123 bank account for a while now and when I was looking for a car finance loan recently I decided to take a look at what Santander had to offer in terms of a competitive interest rate.I ended up taking out a car finance loan with them not just because their interest rates were very competitive but because they became even more competitive thanks to the perks of having a 123 account with them. I knew it would pay off eventually and I am just wondering what else I can buy to get the most out of this 123 account. A boat maybe?!

Review posted by William Scott

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My husband has announced that we are getting a new car and would I do what I do best and find us the most competitive car finance loan. Anyone would think I am some sort of high flying business woman but the truth is I am just very good at managing our household finances and I won't spend a penny more than I have to. Buying a new car is no exception.I spent several hours online looking at various car finance websites before deciding on Santander who we happen to bank with anyway. They weren't the lowest when it came to interest rates but they were certainly as competitive as the other banks and because we have a 123 account with Santander it meant our competitive interest rate quote would be even lower if we went ahead with the loan. Because I am sensible enough to know that it is not just about saving a few pennies but more about borrowing responsibly, I am happy that I have made the right choice and I just hope my husband does the same with our new car.

Review posted by Carolyn

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After a round of golf with my brother he announced that he was buying a new car and wanted to try and sell his old car privately to try and get the best price for it. Personally I thought his old car was still in good condition and couldn't see why he wanted to change it.That got me thinking about my own car that was still running fairly well but was starting to look a bit dated and shabby and so by the time I met my brother for another round of golf I had applied for a car finance loan from Santander and had the money in my account ready to start negotiating with my brother for a good price on his old car.

Review posted by Malcolm Bridges

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My job as a supply teacher means I really can't be without a car. I need to be able to get to schools all over London at short notice and if I turn up late for the first lesson of the day it doesn't set a very good example to the pupils, so public transport is not a reliable option.My current car was starting to cause me problems and because it was coming up for 10 years old I decided to bite the bullet and trade it in for a new car. I went with Santander because they are my bank and I have been very happy with the service they have given me since I first started banking with them.They put together a very affordable car finance package for me which enabled me to buy an ex demo BMW 3 series and the look on my pupils faces when I pulled up in the school car park was brilliant. In an instant I had gained their grudging respect and a little bit of what they call 'street cred' into the bargain.

Review posted by June Fitzpatrick

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For the past few years we have been a one car family with the wife driving the car during the week and me cycling to work. I didn't mind it at all because it was a good way for me to keep fit and the journey into work wasn't too demanding. However, I have just been given a promotion which means working from a different office and the journey is too far to even contemplate doing it by bike.The wife needs the car to get the kids to school and do the shopping and such things so I had to get another car asap and so I went online and looked at car finance loans.I don't bank with Santander but they were offering a very competitive car finance loan and after receiving their online quote I went straight ahead with accepting it and by the end of the week I had the money to start looking for a car.The bike is now reserved for weekend rides to help keep up my fitness regime and the car is proving to be a very nice way of getting to work now that winter is on its way.

Review posted by Barry Ashton

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I am semi retired but still have a part time job in my local supermarket. So before I enter into full retirement status I thought it would be a good idea to buy a new car that will hopefully see me into many happy retirement years.I needed to get a fairly substantial loan because my old car wasn't going to get me much as a trade in and with my sons help we looked on the internet for a competitive loan that would suit my budget and reduced salary.I ended up with a great loan from Santander Bank and within a week I was looking for my new car and because they allowed me to borrow a very nice amount I wasn't too bothered about the trade in value of my old car.

Review posted by Les Clarke

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I went online and got several quotes for a car finance loan and was debating the pros and cons of each one when my wife said that our 123 Santander account would be the best one overall because they were offering special lower interest rates to certain customers of which we were eligible.I was very surprised and pleased, not because Santander were offering us such a good deal, but because my wife had actually done something to help us save money rather than spend it. To be honest I surprised she even knew who we banked with but I didn't dare say that to her!

Review posted by Geoff

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Because I have been a customer of Santander Bank for nearly 5 years I naturally went to them first when I was looking for a competitive car finance loan. I did an online application and when I got my personalised quote I immediately checked out some other loan company options just to make sure I wasn't missing out on a much better deal elsewhere.Unsurprisingly, I didn't find a deal that was any better for my particular circumstances and so I went ahead with the Santander loan. The moment the money was transferred to my account I felt pleased that I had stuck with my bank and been rewarded with a quick and affordable loan.

Review posted by Ed Holmes

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I have a very demanding job and I really don't have time to waste on scrolling through all the loan companies on the comparison websites so it is just as well I bank with Santander.I needed a loan to buy my new car and because I had the 123 account with Santander I decided to put them to the test with regards to getting a competitive interest rate on my loan.As I had hoped, Santander were as competitive as all the other high street banks and together with the special interest rates available to customers like me with a 123 account, I ended up with a car finance loan I was very happy with without too much bother and just a quick scan of the loan comparison websites to look at other lenders APRs confirmed that for me.

Review posted by Anna

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I'm with Santander bank. I was in an accident and the insurance kept me informed all the way. I had a courtesy car and they brought the car to me when they collected my car. The service was great. I had to contact Santander to let them know that my car was written off and what options did i have with my insurance policy.Santander Bank helped me with a small afforadable loan so i would purchase a new car. I need a car for my work so i had no option but to buy another one, i am just glad that Santander were there to help.I have had excellent service from all parties involved. I had calls from each party keeping me informed of what to do. Really impressed with the service could not have asked for any better.

Review posted by england74

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Having never before made a online application with a bank i was a little nervous at first. The promise of borrowing money through the internet was new to me. I was advised in store that the APR rate i was looking for was an online offer and would need to apply for this online. The manufacturer's where i was looking to buy my new car also recommended to use Santander car finance for a lower rate. The thought of not having to go through this all online was stressful to me and all strangely new. I completed the application and i waited to find out what was going on next. I was revealed when Santander contacted me this was a lot easier to finalize the loan with a human being.Having made my initial contact with them online in July, I took the 3 months differed payment option so I could organize my finances and get my new car and enjoy it without worrying about paying it all back straightaway.I am delighted with my new car and very pleased with the service I received from santander who made it possible to purchase my new car.

Review posted by lawrence

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Im 21 years old and I've had nothing but trouble with my car recently. The past year it has spend more time at the mechanics garage than any where else. I have lost count of how many problems this car has had in the 4 years i had had it in total. My parents cant afford to buy me a new car but did recommend me to contact Santander Bank.My mum was there with me when i called up and helped me understand the whole process. First time lending is scary and i had no idea what was going to happen.I am happy now i got accepted for a small affordable loan of £1,200 and now i can get a new car!Thanks!

Review posted by sophie

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I am very impressed with the service from Sanatander. I was approved within minutes as promised and there online service is easy to log in and use. I did open a Santander bank account making to easier to make and pay payments to my car loan. The service I received from Jo was exceptional as she was incredibly helpful at answered all of my questions. I had to call them to see if my loan papers had been delivered and that everything was ok. Jo took care of everything and made sure funds were in my bank account the same day my papers were received. She also sent me a txt confirmation to let me know this was done. I would without question recommend Santander Bank to friends and family. Thanks so much I am enjoying driving around in my new car

Review posted by D Birch

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This was the first time I had bought a new car in this way taken out a loan to pay off the car. I have always bough pre owned cars over the past 8 years due to finance and insurance is cheaper on older models. A few months ago my brother got a newer car and i have been a little jealous, and this prompted me to looking into treating my self to a new car. I contacted Santander online, they gave me a same day decision there and then online. Followed with a email explaining to me what would happen next and what documents would be needed. The second email i received around 5 days later after sending everything back to let me know when my funds would be with me. There service was easy to use and everything was arranged online so i didn't need to call up.

Review posted by Paula Rashe

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I use Santander for a lot of reasons but i was surprised at how much they do as a Bank. I have accounts with them and my kids accounts with them too so i often pop in my local branch. When i pet insurance ran out i got a phone call from Felix at Santander and after chatting i renewed this for another 12 months. Felix didnt just help me with this we had a good 15 minuet chat about my other financial needs and he promised to call me back a few weeks later to talk about this.As promised i spoke again with Felix and i decided to take my car loan with Santander, i had no idea they did this type of lending and there rates were very reasonable.Will recommend 100 %

Review posted by Gina F

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When I told my friends I was taking out a car finance loan with my bank they all said I was mad. You should go online and find a better deal from one of the many lenders that advertise on the loan comparison websites.Well that's is precisely what I did but I still went with my own bank because I happen to have a 123 Santander account which entitled me to an even better interest rate and not only were Santander as competitive as the other lenders, they were a much better option for my particular requirements and they put together a very good loan package for me with easily affordable repayments spread out over a period that suited me as well as them.I will always do my online research before making a choice like this but it is good to know that my own bank were up there with the best of the options.

Review posted by Zelda

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I never realised buying a new car could be so easy. I have been driving the same car for the past 12 years and can't even remember how I got the money to buy it, my wife thinks it was from a small Premium Bonds win, but it certainly wasn't courtesy of a loan from my old bank.Well it was time to change cars and I didn't have the luxury of a Premium Bonds win but I do now have a 123 Santander bank account and they were able to offer me a very competitive car finance loan which I have just accepted.As soon as I have the money in my account I will be looking for a new car and now that I know how easy it can be I won't leave it another 12 years before changing it.

Review posted by Ian W.

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Every time I get in my brand new car I have to pinch myself to make sure I am not dreaming.After driving around in an old VW golf since passing my driving test 5 years ago I decided it was time to get myself something more sporty. I had just got a promotion at work and I wanted to put the extra money I would be earning to good use.My online search for car finance loans showed that Santander were offering a very competitive rate for the amount I wanted to borrow and so I made an online application immediately. Because I have a 123 Santander account the quote I got was even more favourable and so I agreed to the loans terms and conditions and waited anxiously to hear if it was accepted subject to a credit history check.Within 24 hours I was given the loan and almost immediately the money was in my account. Going to my local BMW dealer the next day was the best feeling in the world and like I said, I have to keep pinching myself to make sure it isn't a dream.

Review posted by Joshua B.

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Hey Guys I needed a car loan fast because my shoe sole was getting worn out way to quickly lol Santander was there for me in my time of need! When searching on readies website we came across Santander and as my cousin used to work for them I felt safe, so decided to borrow the £11 000 with them.The overall costs seem to be fixed...no surprises, so although the interest rate seemed a tiny bit higher than what I expected, I felt that for peace of mind I´d borrow from them rather.Very pleased I decided this as client services were very good and personalized.

Review posted by Rebecca Turner

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I came across some money recently, managed to get hold of 10 thousand pounds thanks to a court case. I thought of buying a second hand car for that amount. Thankfully I didnt, I got home and found on Google when I was looking at cars and lenders, that Santander have great rates and are very popular so they must be good. It came across me to ask for a loan of 15 thousand, and buy a brand new lovely big jeep like car for 25 thousand. That was one of the best ideas I have had so far, because I am totally fascinated with my new car. I couldnt see myself without it after being with it! Thanks Santander!!

Review posted by Joanne

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We just wanted to thank Santander for approving our recent car finance loan.We are both retired now and are managing quite nicely on our pensions but when we decided to treat ourselves to a nice new car we found we were discriminated against because of our retirement status. Some banks simply said no and some others just quoted ridiculously high interest rates.Our grandson recommended Santander to us because he had just got a car finance loan from them and so we got him to help us do the online application and before we knew it we were being approved a very competitive loan without a hint of discrimination because of our retirement status being reflected in the overall cost of the loan.We are going to buy our new car now and we have asked our grandson's advice about which models we should be looking at. Even though he is only in his early 20's he obviously has a very good head on his shoulders to have found Santander for himself and us.

Review posted by Elaine & Bill Royal

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I am the kind of person that likes to keep things simple and as uncomplicated as possible especially when it comes to my financial affairs. So when I decided to buy a new car, the first for nearly 20 years I didn't want to go down the route of taking out a finance agreement with the dealership I was buying my new car from.In spite of all the sales talk from the salesman, who was obviously in line for extra commission if he managed to sell a car and the finance to go with it, I knew it would suit me much better to purchase my new car outright. So I very politely declined the finance but told him I would be buying the car with the help of a loan from my bank.Santander made it simple and straightforward to apply for a loan with them and I think about that when I get into my new car and drive past the dealership on the way to work each day.

Review posted by Earl Thomson

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Santander got my attention with there very appealing APR rates as low as 3.8 % i was impressed but not stupid as i know the rate of people being accepted that low is minimum. I had a good look after there web site and customer reviews to get a better understand of what to expects. Having read some horror stories of 12.9 % APR i was hoping i was one of the lucky ones. I applied online as it was the fastest way to get a decision and i did, it was a same day decision and i was accepted. I would love to tell you at 3.8 % but i am not quite that lucky i got approved at a rate of 4.1 % Thrilled and over the moon with the service i went ahead with the loan with no hesitations. I have recommended them and i will carry on doing so!

Review posted by Melissa Whitfield

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My brother is in his early 40's and he doesn't own a car, never has and never intends to by all accounts. I used to wonder how he got by without one but over the years I've seen how manages to persuade anyone and everyone with a set of wheels to give him a lift. I suppose I should admire his ingenuity but I couldn't be like that. My car means a lot to me and without it I would struggle to do all the things I like doing.So when my car was stolen and the insurance company were dragging their heels to pay out for a replacement I had to take matters into my own hands and get a loan to buy a new car. I bank with Santander and that is why I went to them first. I had heard that they do a really good car finance loan and so thats what I applied for.Well today I have my new car courtesy of Santander and the insurance company are still dragging their heels but if and when they cough up the money for my stolen car I can simply use the money to pay off my loan with Santander early or maybe just use the money to upgrade my wife's car instead. Either way I'm very happy with the outcome.

Review posted by S Elton

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Getting a car finance loan from Santander is one of the most sensible things I have done. Up until recently I had been leasing different cars because I didn't want the full responsibility of owning my own car. But that has changed now I wanted to start out being the owner of a brand new car and all the responsibility that goes with it.Because I bank with Santander and have a 123 account with them I decided to see what they were offering in terms of APR on a 15K loan and I was pleased to find that it was much better than some of the other lenders especially the other high street banks.Once I had made the decision to go ahead with the loan I wasn't in too much of a hurry because I still hadn't decided what car I wanted to buy but it was a nice feeling when the money arrived in my account and I knew I could take my time and choose the right car for me.

Review posted by Milly Cartwright

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My wife was seriously threatening to divorce me if I didn't do something about getting a new car. She said she was fed up feeling embarrassed every time we pulled up in the car park of our local gym and during the summer months she actually preferred to jog there and back rather than be seen it our old Fiesta.We weren't well off but we could afford to be driving something a bit better so I could see her point. It was just that I had been too busy with my new job to give much time to sorting out a car finance loan.Well I didn't want to risk losing my wife to some bloke who drives a flashy sportscar so I set about getting a loan from Santander who we'd been banking with since we got married. They had quoted an APR that seemed reasonable enough but it was the monthly repayments that were the clincher for me because I didn't want to get into problems making the repayments no matter how much the wife wanted a new car.I am pleased to say Santander gave me a perfect loan for my needs with easily affordable repayments and to show the wife how much I love her I am letting her choose the new car.

Review posted by Davey B.

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With a very competitive car finance loan from Santander I was able to trade in both mine and the wife's cars and buy us both brand new Peugeots.We had been promising ourselves we would do this for over a year but one thing or another got in the way. However, we were approaching our 30th wedding anniversary and I thought it would be nice to get the new cars to coincide with that.Trying to keep it a secret from the wife so that it would be a nice surprise on the day didn't work out because as any bloke who has been married for nearly 30 years will tell you, keeping secrets from the wife is very very difficult.

Review posted by Roger Knowles

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My youngest of just got his drivers licence!! He’s no longer a baby! And is now on the dangerous streets driving, so another one for me to worry about! Aaarrgghh! His 2 older sisters both worked to buy their own first car because they dropped out of school, but my youngest kept thriving and is still a student so it would have been hard to buy here own, and being that the reason I think its more than fair I pay for his first vehicle Im only gonna get an old but safe car so that he can work on his driving skills, if then he wants a top of the range one he can get it himself when he can afford it. This one I won’t mind if it gets a few dents and scratches. On a small loan I got quite a good rate, and were approved very quickly.Thanks Santander

Review posted by Sonia Bilbao

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I am now driving round in my lovely new car thanks to the hard work of the staff at Santander Bank. I applied online and i do mainly use my customer log in on the website as i found this to be a brilliant service. I can keep track of all my accounts with Santander Bank and make sure my loan payments and bill payments are taken care off. But i also need to thanks to Rob for his help when i did call up last week with a few change of payment date questions he was very helpful.The team really can't do enough to help and they guide you through the whole process step by step,.I can't recommend Santander Bank Enough for an easy to use service. It makes banking at your finger tips too easy

Review posted by M Tyres

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The only drawback to my online application for a loan with Santander Bank was that I hadn't checked my printer was working before proceeding with the agreement. Even though they approved my loan almost immediately by the time I had sorted out the printer, printed off the relevant paper work, signed and returned it by 'next day delivery' courier a whole week had gone by and the car I had my eye on had been sold.But you live and learn and I still managed to buy an almost identical car although the colour wasn't to my wife's liking but as I had blamed her for the printer not working she didn't make too big a deal about the new car colour.

Review posted by Lizzie McKyle

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I was in a bit of trouble last week and I requested a loan with probably half a dozen companies online and they all turned me back. I had just about lost hope when I saw an advert which caught my eyeI went home and spoke to my girlfriend and asked her what she thought about getting a car loan because ours had been an old banger for a long time, now it’s a carcass.She agreed that we would both pay off this loan. We went online and found where to apply via internet Santander Bank instead of going to the nearest branch, so we went ahead. We were given an acceptable deal, fast and easy...

Review posted by Andrew G

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I put an awful lot of time and energy into finding the right car for my wife because I knew it would be quite a while before she would be getting another one unless we won the lotto. So this car had to serve her well for the foreseeable future.We ended up buying her a very nice VW Golf that was in pristine condition considering it was 3 years old. She is delighted with it and that's all that matters really.But the reason I am posting this review is to say a big thank you to Santander bank for the speed in which they processed my personal loan to purchase the car. Had they not approved the loan as quickly as they did and get the money in my account we would have missed the auction which is where we got the wife's car.

Review posted by Neil Oconnor

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Have had 3 loans by Santander now, and every time they have been so helpful.Their help desk would also be the best call centre I've ever called. Getting the loan was easy. Upload a few documents and one phone call. Go to lender on their list and find a car.They have tons of lenders to chose from. I found my expedition with no issue. They got my interest rate down from 16% to 3.6% , which was what I deserved.I would recommend using them to anyone that wants to get the best rates for their credit scoreI guess you just know when you've got the best deal and thats the feeling i get every time

Review posted by PacMan3000

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I am so glad I opened a 123 current account with Santander when I left university because I have had lots of benefits from it but by far the best has been with the car finance loan I have just been given by Santander.Getting such a good APR and affordable repayments meant I could buy the cutest little car I have ever seen, a Renault Twingo and even though my boyfriend insists it looks like a Noddy car whatever that might be, I still love it and have told him if he thinks its so funny then maybe he should get the bus instead when I am offering to drive him home after a night out in our local pub when I have been drinking orange juice all night. Talk about being ungrateful!

Review posted by Florentina P.

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I am posting this review to say how impressed I was by the speed in which Santander processed my car finance loan application, but more importantly for the help and advice I got from one of their loan advisers.I filled out the online application but after doing so I had a few reservations about it and so the next day I went into my local branch of Santander and had a chat with their loan adviser who was really helpful and put my mind at rest that I had not applied for a loan that wasn't within my affordability based on my current financial details and commitments.So after that chat the loan went ahead and before I could have any more second thoughts the money was in my account.I have bought my new car and made my first repayment both of which went without any problems and I think having had that chat was the best thing I could have done to put my mind at rest and I would recommend that any Santander customer who is making an online loan application to pick up the phone or pop into their local branch if they are having any difficulties or worries about the loan.

Review posted by Gabbi

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Having been a member of the Santander for more years than I care to mention it really hadn't occurred to me that they were in the business of lending money. That was until I went on the internet to start looking for a suitable car finance loan and as soon as I came across the Santander website I chuckled at how behind the times I was with regard to things like this.Well I am now no longer behind the times with regards to car loans and I have my very competitive loan from the Santander to prove it. Not only that, I have just had my breakdown cover upgraded to Home Start for half the price and next years cover at no extra cost. Just goes to prove you're never to old to learn.

Review posted by Oscar W.

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Since our daughter moved to the south coast with her new husband my wife and I having been doing an awful lot of mileage in our old car. So far it hasn't let us down but we had been thinking of replacing it a while ago and so now we decided not to tempt fate but get a new car before we drive down south again for Christmas.We are Santander customers and as this would be our first loan for many years we decided to stick with what we are familiar with and we were very pleased to hear that they actually offer a specific loan for the purpose of buying a car.It took a while but we managed to do the online application without too much trouble and we couldn't believe how quickly it all went and before we knew it we had a loan and we have just bought our new car with a much bigger boot to facilitate all the extra luggage we seem to need to take this time, most of which aregoing to be Christmas presents I bet.

Review posted by The Healey's

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I saw something for Santander in the Telegraph and I guess it came to me for a reason because I wrote off my car a few days later. Most importantly I didn't have any medical bills or health problems from the accident but I had to get a car as soon as possible for work, to get my kids to/from school etc. I looked them up and got a quote that seemed good, went for the application and had a decision in a day. My only word of caution is that they charged me a fee to get the money immediately (which I wasn't initially aware of), had I realized, I probably would have been patient and waited. Overall though, I was satisfied.

Review posted by Kathryn Toddsly

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I'd never heard of Santander doing car finance loans but a friend recommended I use them when I was looking to take out a car loan. The process was a little confusing for me but I'm not brilliant on a PC. I managed to get through it all and £5000 was credited into my bank account in the end. The interest rate I'm paying seems competitive. I didn't like the way they wanted to know why I want the money though. They should just concern themselves with the ability of the customer to pay it back, rather than what they want it for. Apart from that it was all fine though.

Review posted by MegaRay

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Before my divorce a couple of years ago my husband used to deal with anything to do with our cars. Even putting petrol in mine and putting it through the local garage car wash at the weekend because I was always too busy to do it myself.Well now that I am single I have had to get used to doing those sorts of things myself and when I recently had to change my car I thought that getting a suitable car finance loan would be my biggest challenge so far. But that was before I discovered Santander Car finance loans on the Readies loan comparison website.Without too much trouble I was able to apply online for an immediate quote that suited my personal requirements and before I knew it I was driving my new car out of the showroom of our local dealers and it had a full tank of petrol so I didn't have to worry about that for a while either!

Review posted by Mina Clark

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Needing a car for myself, I found readies website and started evaluating each offer so I could understand which one was the best for me. After defining the amount I needed for a good, reliable car and choosing how many instalments I needed to pay back and still live a comfortable life, I found that Santander Bank was the best choice for me. I didn’t even knew they offered loans, especially at a good rate.Nonetheless, they gave me a positive feedback and in about a day or so, I was able to buy myself a second-hand car in mint condition.

Review posted by Herman G

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My sister has just got a job on a cruise liner working as a beautician and as she will be at sea so to speak for several months at a time she decided to sell her car.I had been driving around in a beat up old mini since passing my driving test and had been thinking about getting some sort of loan to pay for a newer car so this was an opportunity I didn't want to miss. It would mean buying a nearly new car that really had had only one careful lady owner.So after looking online for car finance I realised there weren't too many options open to me because I am only a trainee hairdresser on less than 12 grand a year but fortunately that wasn't a problem as far as Santander were concerned and within a week of applying for the loan I had the money to buy my sister's car before she sets sail for her first ever working cruise. Even though I now have her lovely car I am just a little bit envious of her but I have asked her to check out if they need any hairdressers next year when I will be fully qualified.

Review posted by Rachel Meader

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I have always been really happy with my Santander 123 account and never more so than now. I have just been approved a car finance loan with Santander and the APR of 4.2% is one of the lowest I have seen advertised with all the other lenders I looked at on the readies loan comparison website.Santander have also managed to set out a really affordable repayment plan for me which is the most important aspect of the loan for me because I was worried I would be compromising my finances by borrowing such a large amount of money. Santander made sure I got the loan over a period that allowed them to set such affordable monthly repayments and that's why I am delighted with this loan and just wanted to say so in this review.

Review posted by Stephen Rider

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Didn't think I'd ever be doing this sort of thing, but I am so delighted with the car finance loan that I have just got from Santander that I wanted to publicly say how impressed I am with the service they have given me with regard to this loan.I actually went to my local Santander branch to apply for the loan which is another first for me because I tend to do most things online if its possible. But this loan was for a large sum of money and I didn't want to make any mistakes with it . Speaking to the loan adviser in person made the whole process so much easier for me and I came away feeling I had got the right loan for my particular circumstances and that I would be able to afford the repayments no problem.Going to buy my new car is now going to be so much more enjoyable because I have the reassurance and backing of Santander Bank and I just want to say a huge thanks to them.

Review posted by Richard Goodyear

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There's not much fun in driving around in your new car and worrying that it could be re-possessed at any time if you miss a repayment. That's what you sign up for if you take out the dealership finance and I won't be making that mistake again.This time I am getting my loan from my own bank Santander and that means owning my car right from the word go. It also means I can negotiate a good price on the new car having the cash up front which is always a good situation to be in.My 123 Current account means I am eligible for a very competitive APR and the loan is over a 3 year period. So by the time my new car is ready for it's first MOT I will have paid back the loan and hopefully I will still be happy with my choice of car. If not I can just apply for another loan and start looking for a another car.

Review posted by Jamie East, Hackney, London

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I have just logged online to my new Internet banking with Santander to make sure the loan repayment has been taken and paid against my new loan. I'm glad to see this has happened as there was a mix up after I applird with them online 3 weeks ago. I mixed up my payment date and my error I should have put the repayment the date after I get paid or 2 days after to be sure of any weekend or holidays that could effect this repayment happen. So once I applied with santander and I got the paper work I noticed this error and I had to call them up and after being passed around a few of there call centre staff. I spoke with someone who was happy to change the date and re sent the paper work to myself. Thank god or I would have had to re apply again for the loan and go threw the whole process again and that might have turned out as a reject as credit checks change all the time once you do one.

Review posted by Grant Saxondale

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I had a bank account with santander a long time ago but my own bank when I called them to get aloan I didn't like the tone or serrvice I got. Keeping in mind I called them up to get a loan and I wanted one I felt I still got a hard sale and whole sale pitch that I didn't need snd I felt they were not listen to me it was all to scripted and not person so u hung up. I decided I would look else where and when I saw santander I remembers I had an account with them before so let's give them a try and I called there help line up. The hold time was a few minuets I selected new customer and option 3 for borrowing needs and I was passed threw to someone. They didn't have any off my information after all this time ,so I was on the call for nearly 1 hour given them all they needed so I could apply for a loan.I knew I wanted a loan because I was getting my first car and I had passed my test weeks ago at the age of 26 , yes a little late in life. But I didn't need the hard sale pressure my own band gave me so I came to Santander and I am so glad I did. They were helpful and listened to me and they did not try to sell me anything they understood I was happy with just a loan.

Review posted by John Paul

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I used this comparison website the other week there to find myself the best car finance option available to myself. I am write today to say thank you and thanks to your helpful web search I was able to find Santander Bank who helps me get the money I needed in time to buy my friends sisters car. She was selling a Audio TT 2012 plate and I had went to see the car twice and she held it for me till the money came threw. I got a food rate and rhe money with in 8 days so I got the car I wanted once the money came threw. If it wasn't for you I could not have found the right loan as it's not always about the nest rates there is alot more to look into when borrowing money as you are paying back over years like I am you need to be safe.

Review posted by Dale Brady

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I told my dad I was thinking of getting a new car and he told me the best place for fiance was with his bank he uses santander. I am a RBS customer so I wanted to make sure I could borrow else where and have the money sent to my account and repaid for my account. I never had a loan before or a even car finance so I wasn't sure I would do this with 2 diffrent banks. Shows you how little I know because santander had no problem with this and set it all up free of charge and on my payday so my loan will always be paid on time. There is alot more santander have done to help and my dad as it's still all new to me but this is a big consern of mine and rhey handled it very well , I'm please.

Review posted by David

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I am sooooo happy, I've got my brand new car now, a Fiat Punto with a sunshine roof and built in satnav and my loan from Santander made it possible. My dad told me to make sure I got the best APR on my loan so that I wouldn't be struggling with the monthly repayments and I looked around at so many lenders but realised my own bank were the best option for me because my 123 current account meant I was eligible for a special lower rate. So I could have saved myself so much time but in the end I saved a lot of money so thats all the matters.

Review posted by Abbie, Cricklewood

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Great deal on my car loan from Santander made all the better because I have a 123 current account with them that makes me entitled to a special lower rate. That made such a difference to the overall cost of the loan and I am so glad I decided to change banks and move to Santander a couple of years ago. I've had some great benefits since banking with Santander but this car loan is by far the best deal so far. I've been telling my friends about how good Santander are and this is another great example of what a great bank they really are.

Review posted by Reena V., Bromley, Kent

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I was already impressed with the rate Santander were quoting for their car finance loans but when I realised that my 123 current account meant I might be eligible for an even lower rate I just jumped straight in and applied for my loan.I have been really happy with my 3 years of banking with Santander and I have had lots of benefits already from my 123 current account but getting a lower rate on my car finance loan has got to be one of the best reasons for opening my account with them in the first place.I really like banking with Santander and getting this great car finance loan is just amazing!

Review posted by Warren Oakes, Loughton

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So many of my friends have copied me and opened bank accounts with Santander and as we are all looking for the best deals when it comes to buying things like cars they have a lot to thank me for. I'm the first in our group of friends to buy a car and I have really set the bar high.My car finance loan has just been approved and the deal I have got is so much better than any of the other loan options I looked at. Maybe if I didn't have a 123 current account the loan wouldn't be quite so competitive, but even without that special rate my current account entitled me to Santander were still right up on the top with their loans and I would still have gone with them for this loan.

Review posted by Sophie W., Plymouth

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Thanks to my 123 current account with Santander I was able to get an even better deal on my car finance loan. Just in case Santander weren't offering a good enough rate for their car finance loans I did look around at what other lenders were offering but Santander was competitive enough and then the special lower rate that applied to me because of my 123 current account just confirmed that I was on to the right deal with them Its a great feeling when you get a really good deal on a loan for this amount of money. It really does make a big difference when you are making such an expensive purchase like a car.

Review posted by William Yardley, Dewsbury

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This is my first brand new car purchase and its thanks to my car finance loan from Santander. After doing a bit of online research I decided Santander were as competitive as the other high street lenders and because I have a 123 Current Account with them I might even be eligible for a lower rate, which turned out to be the case.As far as the actual loan application, it really couldn't have been more straightforward. After I accepted the personalised quote, it only took a couple of hours for the money to be deposited into my account and the next day I was able to negotiate a a substantial discount on the car I was buying. I couldn't be more delighted with both deals and I'm loving driving around in my brand new car.

Review posted by Andy Bickerstaff, Merton

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When I was looking for a loan in order to purchase a new car, I came across Cahoot. After finding out that Cahoot was part of the Santander group, I made the decision to go to Santander directly, as I like to know who I am dealing with, rather than going through a middle man. Their loan policy was easy to understand, and they offered good flexibilty and options on the amount of money I wished to take a loan of. The process was easy to go through and the repayments will be very manageable. I'm sure everyone chooses a lender for differenct reasons, but I was more than happy with my choice of Santander.

Review posted by Josephine Landman

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I have just got a new job which is more local to where I live, so no more commuting into London everyday. Now that I will have the saving of not having to fork out for train tickets and taxis all the time, I decided it was finally time to invest in my own form of transport. I toyed with the idea of getting a scooter, as it's about the only thing I can afford, but then a friend mentioned to me about getting a car loan in order to be able to afford something I actually want. She had dealt with Santander a few years previously, so I chose them based entirely on her recommendation. I have to say I wasn't at all disappointed, and I too will recommend their good value service in the future.

Review posted by Jessica Travers

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My last car was unfortunately totally written off in an accident recently. Thankfully I escaped unscathed, other than the fact I had no transport. My insurance company arranged me a courtesy car whilst I awaited the pay out, and in the mean time I got looking at car loans so that I could get a nicer model than just what my insurance pay out would allow. Santander came to my attention early on in my search, and having banked with them before, I knew that I would receive good service from a well known reputable company. Sometimes you pay a premium for such service, but that's not the case with Santander, and they were just as competitive as the other lenders in the market.

Review posted by Martina Bromwell

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I don't think there are many people now that haven't heard of Santander – they have become such a big name in the banking industry. I'm sure some people probably think they don't have such competitive rates, because they are already so successful and have a great customer service record, they don't need to bring in more custom by offering better deals than everyone else. This is what I used to think too, but was proven wrong when I began looking for a car loan last week. I went with Santander because I knew I would be guaranteed great service, but got a really competitive rate to match.

Review posted by Alan Gilbertson

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Well I never thought I would be able to say I took out a loan for my new car without even getting out of bed. I was browsing through different lenders online last weekend on a lazy Sunday, and found a super deal with my bank, Santander. I thought I might find the best deal with one of the newer online lenders (thinking that they have fewer overheads so therefore would reflect that in their deals), but it was actually good old Santander that came through for me in the end. As an online banking customer, I completed the whole loan process on my laptop – I was really impressed with the speed of the whole thing.

Review posted by Walter Benton

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Thanks to Santander, I've just got home from a lovely long weekend driving about in my snazzy new convertible! I was literally jumping for joy when the seller handed over the keys and the car was finally mine, and with the nice weather finally here, I thought there was no better way to celebrate than driving around with the roof down and the wind in my hair. I never thought I would be able to afford a car as nice as this one, but with a little helping hand from the guys at Santander, I was able to get exactly the car I wanted, and pay for it in affordable monthly payments.

Review posted by Brandon Delgado

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Getting this car finance loan from Santander was so easy and being eligible for a special lower rate because I hold a 123 current account was the cherry on the top.I did a bit of research into car finance loans before I applied with Santander but it was such a relief to find that they were offering competitive rates to match the other high street lenders. So to get a special lower rate on top of that simply because I have a 123 current account with them was just brilliant.I have generally been very happy with my banking experience with Santander but getting this car finance loan has made it an even more satisfactory relationship and I am really glad I chose to open an account with Santander after leaving university. Lets hope I am still saying that when I apply for a mortgage with them in a few years time!

Review posted by Ruth Prescott, Gillingham

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Maybe I should have done some research before I took out this car finance loan with Santander but to be honest I didn't have to because I knew the going rate for these type of loans and I knew that with my 123 current account I stood a good chance of getting a slightly lower rate anyway. I like to use my own bank rather than get tied up with another lender if its possible and because I got a very good rate from Santander on a personal loan I took out to help pay for my wedding 2 years ago I didn't see the point of going some where else if Santander were still offering competitive rates, which I'm happy to say they are!

Review posted by K Hudson, Ilford

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I decided to buy a new car and to stop me getting carried away and buying anything too expensive I set myself a figure that I could easily afford in monthly repayments and then worked my car finance loan around that. It was the most sensible thing to do and it also narrowed down my search of cars. Really I just needed an updated version of my current car and if I could get a competitive loan from Santander using my 123 current account to qualify for their special lower rate, the loan should work out really well and not too much of a financial burden.Santander came up with a really great deal, including my special 123 current account rate and with this loan spread over a 5 year period its really not going to be too hard at all to make the monthly repayments, in fact I could really have gone for a bit more with this loan and got an even better car. But I am really happy to have got this loan and I am looking forward to buying my new car once I have finally made up my mind which colour it should be. My girlfriend is insisting it shouldn't be another black one, which would make it my 3rd black car in a row so maybe I should go for something different this time.

Review posted by Nat Bridges, Croydon

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We bought the wife's car with a really competitive loan from Santander 2 years ago and she's still very happy with her car and I am still very happy with the loan they gave us. So with that loan nearly paid off I thought it was time to change my car and so I am back with Santander for this loan and I am pleased to say they are still offering really good rates for their car finance loans.Santander have once again given me a special lower rate thanks to our 123 current account and because we found the benefits you can get from having a 123 current account worth having we advised our daughter to open a 123 account with Santander when she went off to university. She'll be wanting to buy her own car soon and no doubt she'll go to Santander for her loan if she has any sense.

Review posted by Chris Tappin, Sawbridgeworth

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Okay so its only a 1K loan over a 1 year loan period but its my first ever loan and as i have only been banking with Santander for just under a year I am just really grateful to them for giving me my first loan which means I can buy my very first car and if I can do a deal on the car I have in mind i might even have a bit left over to put towards my holiday this summer. Up to now I have been driving my mums car as she has been recovering from a bad fall and couldn't drive but she is on the mend now and can get about in her car again. So mums well and driving again and i will soon have my own set of wheels so everything is sorted!

Review posted by Jack, Harlow, Essex

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I soooo love banking with Santander because they make my life so much easier. they approved this car finance loan without any problems and even rewarded me for having a 123 current account by giving me a lower interest rate. that alone saved me hundreds of pounds and i didn't even have to ask for it they just came straight out and told me i was eligible for it. how many banks would do that i wonder? my mum and dad have been with the same bank for years and they never get such good deals and so i have told my dad to go to Santander for his next loan because you dont even have to be an existing customer of theirs. how cool is that!

Review posted by Rani Ramindra, Slough

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After months of scoping various car loan companies and talking to our regualar bank, a friend of ours suggested Santander. We were a little skeptical as we had always banked with the same bank and weren't sure how it would work out getting a loan from a completely different one. Turns out it's super simple! Specially as our local Santander branch in Plymouth were so helpful! Myself and my husband are so happy with the level of help, and information provided to us. All our questions and worries were answered.. No confusing "loan" jargon was used and we were made to feel completely informed and at ease from start to finish! Not only did they have some of the best rates and payment schemes we'd come across but flexibility in our repayments was fab. Now we finally have our perfect family car at a price we can totally afford. Smiles all round for the Pring family!

Review posted by Becca Pring

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I've got a 123 Current Account with Santander so I would be mad not to try and get my car finance loan from them. I looked at other loan companies first but I kept reminding myself about the lower rate I would be entitled to with my 123 account and that made a big difference for the amount of money I wanted to borrow. So after doing a bit of comparison between several of the other lenders I have just come back and applied for my loan with Santander and they have proved me right with a great rate of 4.5% APR which is making a hell of a lot of difference to the overall cost of the loan. Even without the 123 account discount I would still have been happy with this loan so I don't think I have made the wrong choice and I am just looking forward to getting the money in my account now and starting my search for my new car.

Review posted by Mick Warren, Basildon

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How I wish I had been a 123 current account holder with Santander when I applied to them for this car finance loan. It would have meant getting an even better deal than I already have with this loan agreement. When I went online to look for a competitive car finance loan I never imagined I would end up getting one from Santander Bank. The fact is they were offering a much better deal than my own bank and if I had been an existing 123 current account customer I would have been eligible for an even lower APR than the brilliant 4.5% that Santander have given me for this loan. I really am very impressed with Santander Bank and will definitely be giving them some consideration with regards to maybe changing my bank.

Review posted by Helen Foley, Haywards Heath

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I didn't have to do any research when I was taking out this car finance loan with Santander Bank. I hold a 123 Current account and I have been keeping a watchful eye on their interest rates for a while and so I knew this was the time to apply for my loan in order to get the best possible deal. When you are making such a big purchase for a new car you can save yourself hundreds of pounds if you get the most competitive APR. Santander were already advertising one of the lowest APRs and so with my 123 current account special lower rate discount I have ended up with a brilliantly low 4.2% which I couldn't be happier with. I have saved hundreds of pounds already and hope to save a bit more when I negotiate the price of the car I am about to purchase.

Review posted by Stephen Boniface, Golders Green

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Being a Santander 123 current account holder it was instinctive to ask them to borrow Money so I could buy the new Peugot 307 I had seen in the showroom. Because I am already with them the interest rate is lower making repayments a lot easier on the pocket. If you are thinking about borrowing money to buy a car I would highly recommend Santander as you don't have to be an account holder, but I would recommend that too. They are a really great bank to be with. My new Peugot is now sitting in my drive instead of the showroom .

Review posted by David

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I would have been disappointed if I hadn't been able to get my car finance loan through Santander and the only reason I would have gone elsewhere for this loan is if another lender had been offering a really low APR on a 5 year loan. As it turns out because of my 123 Current account I have managed to get one of the most competitive rates that I have seen on any of the loan comparison websites I looked at. Once I had worked out that my quote from Santander was a good as it was going to get I went ahead and accepted Santander's quote and after that everything went through fairly smoothly and I have just received the funds. Thats the sort of service you want from your bank and Santander didn't disappoint.

Review posted by David Warren, Peterborough

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My boyfriend thinks I've got the best deal on my car finance loan from Santander and he is really kicking himself for not going to Santander for his loan last year. He had thought about it but went with another lender even though he has held a 123 Current account with Santander longer than I have.I must say I didn't choose Santander over another lender because of the interest rates, it was more because I just wanted to keep things simple and stick with my own bank but now that I realise just how good a deal I have got with this loan I am feeling pretty pleased with myself. Having a 123 Current Account has obviously paid off so I couldn't be happier.

Review posted by Ciara O'Shea, Bishops Stortford

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Credit where credit is due. Santander have really come up with the goods on this car finance loan for me. I was prepared to look elsewhere for this loan and had already scrolled down through some of the companies on the Readies loan comparison website. If Santander's quote hadn't been so favourable I had a couple of other lenders to fall back on. I think what helped swing it for Santander was the special lower rate they were offering me because of my 123 Current Account although I have to say even without that special discount the rate from Santander was still pretty good. I definitely feel I've made the right choice going with Santander for this car finance and just hope I can keep up the good decision making by choosing the right car.

Review posted by Mike Bressley, Maidstone

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I was hoping that my 123 current account with Santander would mean me getting an even better rate for my car finance loan with them and I am very happy to say that has proved to be the case. Even without the special rate for being a 123 current account holder Santander were still offering really good rates for this type of loan and as you don't have to be an existing customer of Santander's to apply for one of their car finance loans I have just telephoned a friend of mine to tell them all about it because he is buying a car and is currently on the lookout for an affordable 10K loan. He won't get as good a loan as me but he could still end up with one of the most competitive loans that there is available at the moment. I might even charge him a finder's fee if he gets a loan from Santander.

Review posted by Anthony Caldwell, Finsbury Park

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My car finance loan from Santander has just been approved and with a special lower rate thanks to my 123 current account so I am more than happy with how this loan has worked out for me and just wanted to post a review to say that i have always been happy banking with Santander but to get such an amazing rate for a 15K loan over a 5 year repayment period that works out at really affordable monthly repayments is all you could possibly want from a loan and I am absolutely delighted. I don't really know what else to say except thanks Santander for making me glad to be a Santander customer.

Review posted by Paul Marks, Edenbridge

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So as not to seem too biased I'll admit I did find a couple of other lenders that were offering equally good rates on their car finance loans but that was before I took into consideration my 123 current account with Santander making me eligible for special lower rates. So what started off as a very good car finance loan became a great one once we had entered the 123 current account into the equation. After that there really was no contest with the other loans I had looked at, Santander won hands down I am pleased to say. I just hope I can get as good a deal with the new car. The price I got for the old car was more than I hoped for so maybe I'm on a roll and it will be three lucky strikes!

Review posted by Gerald Proctor, Cheshunt

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I don't think I know anyone that has been approved a loan for 15K and got the money into their bank account within under 24 hours. That has just happened with me and I am absolutely amazed at how fast Satander have sorted out this car finance loan for me. I think being a customer of theirs for the past 8 years and never having had any problems with my credit score must have helped me get this loan so quickly. My 123 current account and being able to do the whole thing online through my internet banking facility just made things even better. I reckon I am going to take longer sorting out my new car but it's great knowing I've already got the money to seal the deal once I find the right car. Thanks Santander Bank, you really are amazing at times.

Review posted by Colin Stevens, Islington

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Having a 123 current account with Santander Bank has helped me enormously to get such a great deal on this loan to buy a new car. I am very happy with the rate they are charging me and the fact that Santander were able to sort out this loan so quickly is a real indication of how well online banking can work for you. I have a very busy job and travel a lot so being able to snatch a spare couple of hours to apply for this loan and to get it approved and finalised the same day was ideal for me. I could get back to work knowing my loan was in place and that the money was there ready for me to start the search for my new car. Now I just need to find the time to do that!

Review posted by M. Bowers, Stevenage

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  • Ease Of Use
  • Value For Money

My dad is going to be helping me buy my new car because I know nothing about them and just know what cars I like the look of. So I am letting him advise me. But I didn't need his advice about getting this loan to buy my new car because I always knew it was going to be with a loan from Santander. I've been banking with them since I left college 5 years ago and I have a 123 current account which I knew would mean a special lower rate on any loan I took out with them. I applied online for the loan but I had already been into my local branch and had a word with their loan adviser who was able to give me some quick figures off the top of their head with regards to what sort of rates they charge and I was more than happy so went straight home and applied. I am really pleased with my loan and can't wait to go shopping for my new car now.

Review posted by Lucy Rawlings, Kensal Rise

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money