Compare our products for personal customers

If you’ve already found the car you want and are now looking for finance, it’s important to choose the type that’s right for you. Santander Consumer Finance offers you a range of options which can be tailored to suit the way you want to pay. Your dealer is here to help you make the right choice for finance and will be pleased to discuss the options with you. Once that decision is made, your dealer will apply to us for finance on your behalf, and we are usually able to make a quick decision.

Personal customers include Private Individuals, Sole Traders and Partnerships (excluding Limited Liability Partnerships).
What deposit percentage do you need?
What is the length of the agreement in years?
What are your options at the end of your agreement?
Are there any mileage restrictions?
Are the term and payments fixed?
Is a final lump sum payable when the agreement ends?
Is VAT payable on the monthly payments?
Is fully comprehensive insurance required?
Conditional Sale Personal Contract Purchase Conditional Sale with a balloon Fixed Sum Loan* Fixed Sum Loan with Guaranteed Final Payment*
From 0 From 0 to 40 From 0 From 0 From 0 to 40
1 to 5 2 to 4 1 to 4 1 to 5 2 to 4
You can own the car, or you can part exchange You can own the car, part exchange, or return the car to us You can own the car, or you can part exchange You own the car immediately You can own the car immediately, at the end of the agreement you can part exchange or return the car
No Yes No No Yes
Yes Yes Yes Yes Yes
No Optional Yes No Yes
No No No No No
Yes Yes Yes Yes Yes
Conditional Sale Personal Contract Purchase Conditional Sale with a balloon Fixed Sum Loan* Fixed Sum Loan with Guaranteed Final Payment*
*Fixed Sum Loan and Fixed Sum Loan with a Guaranteed Final Payment are not available as standard product choices. We may choose to offer you one of these products as part of our underwriting conditions. Your dealer will make you aware of this after your application for finance has been received and assessed by us.