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.

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 is a leading retail and commercial bank, founded in 1857 and headquartered in Spain. It has a meaningful market share in 10 core countries in Europe and the Americas, and is the largest bank in the euro zone by market capitalization. At the end of 2017, Banco Santander had EUR 986 billion in customer funds (deposits and mutual funds), 133 million customers, 13,700 branches and 200,000 employees. Banco Santander made attributable profit of EUR 6,619 million in 2017, an increase of 7% compared to the previous year.


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