Also known as: Santander Consumer Finance
Santander Consumer (UK) plc is the motor and consumer finance arm of Santander UK. It provides vehicle finance products through car dealerships across the UK rather than directly to consumers. It is a separate legal entity from Santander UK plc, which handles everyday retail banking.
The main products are Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements, arranged at dealerships when a customer buys a car. Under HP, you own the vehicle at the end of the agreement after making all payments. Under PCP, monthly payments are lower but there is a large optional final payment if you want to keep the car.
Santander Consumer UK has been part of the wider FCA review of motor finance commission arrangements. If you have or had a vehicle finance agreement with Santander Consumer, it is worth checking whether this may be relevant to you by reading the FCA's published consumer guidance.
If you have a Santander Consumer finance agreement and need to contact them, visit their website at santanderconsumer.co.uk. Contact details including a phone number for customers are available there. Their registered address is Rediff House, 9 Ridgmont Road, Dunstable, LU5 4TA. Santander Consumer (UK) plc is authorised and regulated by the Financial Conduct Authority.
If you are struggling with vehicle finance repayments, contact Santander Consumer directly as early as possible. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are free and confidential and can help you understand your options.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Santander Consumer (UK) plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Hire Purchase (HP); Personal Contract Purchase (PCP); Motor finance through dealers
Trading names and group notes
Subsidiary of Santander UK plc, which is ultimately owned by Banco Santander S.A. (Spain).Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Poor (exact figure not verified from search results)
Overall public sentiment
Predominantly negative reviews citing poor customer service, long call wait times, and difficulties with end-of-contract options.
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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