Personal Customers

If you’ve already found the vehicle 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.

Our products

Purchase Plan

A simple way of financing that gives you a fixed interest rate, and fixed monthly payments throughout the agreement…

Personal Contract Purchase

Personal Contract Purchase provides additional flexibility since part of the cost is deferred until the end of the agreement…

Purchase Plan with a balloon

Similar to Purchase Plan but with lower monthly repayments, a repayment of the amount of credit is deferred to the final payment… 

Personal Contract Hire

The choice favoured by most people who would prefer to use a vehicle, rather than own one. The ultimate in hassle-free motoring…

Compare

What deposit percentage do you need?
What is the length of agreement?
What are your options at the end of your agreement?
Are there any mileage restrictions?
Are the terms 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?
Purchase Plan
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Personal Contract Purchase
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Purchase Plan with a balloon
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Personal Contract Hire
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From 0From 0 to 40From 0Initial rentals may be required
1 to 5 years2 to 4 years1 to 4 years2 to 4 years
You can own the car, or you can part exchangeYou can own the car, part exchange, or return the car to usYou can own the car, or you can part exchangeYou will not own the car and must return it at the end of the term
NoYesNoYes
YesYesYesYes
NoOptionalYesNo
NoNoNoYes
YesYesYesYes
Purchase Plan
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Personal Contract Purchase
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Purchase Plan with a balloon
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Personal Contract Hire
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Still confused?

Not sure which product is the right one for you?
Answer a few questions and we will tell you what is the best fit.

Further information

Finance that fits

You can find out all you need to know about our products on this site or by talking to your local vehicle dealer, we also offer a helpful guide that you can download.

Impartial advice on financing your car

Visit the Financing Your Car website for impartial advice on financing your car, finance calculators and other useful information.

COVID-19 help and support

For the latest help and information from us and how to request further support.