Santander Consumer Bank, operating in Poland since 1997 and part of the Spanish Santander group, specialises in consumer, car and instalment loans, serving around 1.5 million customers. The lowest cash loan APR at Santander Consumer Bank is currently 8.30%.
Why choose Santander Consumer Bank?
- Car loan specialisation — one of the strongest offers in Poland
- Widely available in-store instalment loans
- Part of the Spanish Santander group
- Attractive deposits for savers
- Simple, focused offer — easy to compare
Editorial rating
- Offers 4.3
- Service 4.0
- Online banking 4.1
- Costs 4.1
About the bank Santander Consumer Bank
Santander Consumer Bank is a Polish bank headquartered in Wrocław, founded in 1997 (previously as AIG Bank Polska). Since 2007 it has belonged to the Spanish Banco Santander group — the same group that owns Santander Bank Polska — but it operates as a separate entity specialised in consumer and car loans. The bank is also one of the leaders in in-store instalment loans.
Santander Consumer Bank serves around 1.5 million customers, offering mainly cash, car and instalment loans as well as savings deposits. The bank does not run full personal accounts — it focuses on credit and savings products. For many Polish customers it is best known as a financier of car, appliance and electronics purchases at authorised retailers.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Promocyjny Mistrzowski Kredyt Gotówkowy
Santander Consumer Bank
- APR
- 8.30%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 488 PLN
Kredyt Gotówkowy online z kodem "OTWIERAM"
Santander Consumer Bank
- APR
- 8.30%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 488 PLN
Consolidation loans
View all offers →Kredyt konsolidacyjny
Santander Consumer Bank
- APR
- 12.67%
- Amount
- 30,000 PLN
- Term
- 60 months
- Instalment
- 667 PLN
Deposits
View all offers →Lokata Online Nowe Środki
Santander Consumer Bank
- Interest rate
- 0.00%
- Term
- 12 miesięcy
Lokata Online Nowe Środki
Santander Consumer Bank
- Interest rate
- 0.00%
- Term
- 6 miesięcy
Pros and cons
Pros
- Strong car loan offer
- Wide availability of in-store instalment loans
- Competitive savings deposits
- Stability from belonging to the Santander group
Cons
- No personal or business accounts
- Smaller mobile app than Santander Bank Polska
- Narrow specialisation — not a universal bank
How to apply — Santander Consumer Bank
Santander Consumer Bank is a Polish bank specialising in consumer, car and instalment loans, belonging to the Spanish Santander group.
- 1
Choose an offer
Compare Santander Consumer Bank products — cash and car loans, deposits.
- 2
Go to the bank
Click the CTA to go to the application page.
- 3
Fill in the application
Apply online, via the call centre or at a branch. Prepare your ID and income details.
- 4
Receive a decision
Decisions on simple applications are usually issued within hours. Car loans are often decided the same day.
Frequently Asked Questions
How is Santander Consumer Bank different from Santander Bank Polska?
These are two separate banks belonging to the same Spanish Banco Santander group but operating in different segments. Santander Bank Polska is a universal bank (accounts, loans, mortgages, business), while Santander Consumer Bank specialises in consumer, car and instalment loans.
Does Santander Consumer Bank run personal accounts?
No — Santander Consumer Bank does not run classical personal accounts in the Polish format. If you are looking for a personal account in the Santander group, choose Santander Bank Polska, which offers Konto Jakie Chcę.
What are the cash loan terms at Santander Consumer Bank?
Santander Consumer Bank offers cash loans with competitive APRs, especially for existing customers. Current terms are in our cash loan ranking — data is pulled directly from the bank's API.
Does Santander Consumer Bank offer car loans?
Yes — this is one of the bank's flagship offers. Santander Consumer Bank is one of the leaders of the car loan market in Poland, available directly and through car dealerships. It also offers leasing and long-term car rental.
Is Santander Consumer Bank safe?
Yes. Santander Consumer Bank is supervised by KNF, is a BFG member and deposits are insured up to EUR 100,000. It belongs to Banco Santander — one of the largest banking groups in the world.
What are Santander Consumer Bank deposit rates?
Santander Consumer Bank offers savings deposits with rates that often exceed the market average, especially in periodic promotions for new money. Current rates are in our deposit ranking.
How do I apply for a Santander Consumer Bank loan?
You can apply for a cash or car loan online at santanderconsumer.pl, via the call centre, at a branch or at a car dealership (for car loans). The bank also serves instalment customers through a network of partner stores.
Other banks
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.