About Us

Competitive Advantages

Pan-European scale and leadership.

Advanced auto financing platform and strong foothold in consumer finance.

High points-of-sale distribution network.

Innovative products and digital customer cycle processes.

Best-in-class risk and collection capabilities.

Our History


Santander entered the consumer finance business in the seventies, after creating Bansafina (1972) and Hispamer (1978).

In 1987, Santander started its international expansion in the consumer credit segment through the acquisition of CC Bank in Germany.

Santander integrated in 2002 the consumer finance businesses in Santander Consumer Finance and continued its expansion through further acquisitions and new collaboration agreements.

The latest acquisitions since 2008 were RBS’s European consumer finance business unit – Germany, Austria, Belgium and the Netherlands –, GE’s European consumer finance business unit – Germany, Austria, UK and Finland –, AIG’s business unit in Poland, SEB’s retail business in Germany, FECI in Spain and GE’s consumer finance business in Norway, Sweden and Denmark.

Santander Consumer Finance signed in 2014 a collaboration agreement with Banque PSA Finance covering 11 European countries.

In 2019, Santander Consumer Finance signed an agreement with Hyundai Kia in Germany to acquire 51% of its auto financing company, and an agreement with Ford Motor Company to acquire Forso AB (Fords’ financial entity) in the Nordic countries.

Santander Consumer Finance launched in 2020 a joint consumer finance operation with Telecom Italia Mobile.

Santander Consumer Finance reshaped its agreement with Stellantis in 2022, to finance the vehicles of all the automaker’s brands in seven European countries. A long-term global partnership was also established with Piaggio Group.

Our Culture


Our purpose is to help people and businesses prosper.


It embodies how all Santander Consumer professionals think, and represents what our partners and customers expect of us as a company.

Strength of Santander

Santander Consumer Finance is part of Santander, one of the largest financial groups worldwide

Banco Santander (SAN SM, STD US, BNC LN) is a leading commercial bank, founded in 1857 and headquartered in Spain. It has a meaningful presence in 10 core markets in the Europe, North America and South America regions, and is one of the largest banks in the world by market capitalization. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. Santander is building a more responsible bank and has made a number of commitments to support this objective, including raising €220 billion in green financing between 2019 and 2030. At the end of 2023, Banco Santander had €1.3 trillion in total funds, 165 million customers, 8,500 branches and over 212,000 employees.

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