Loans

Santander Personal Loan

A loan¹ of up to €100.000 adjusted to you and to your projects. Fixed NIR 4.99% (APR 5,57%)² up to 11,75% (APR 13,95%)².

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Maximum amount

from 100.000€

Flexibility

because you can return it in up to 7 years.

Comfort

because you choose the monthly installment, selecting the amount and term.

Characteristics

How to arrange the loan

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Characteristics

How to arrange the loan

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Comfortable and flexible consumer financing

Santander Personal Loan is a fixed rate consumer loan that offers:

Annual nominal fixed interest rate of 4.99% (APR 5.57%)² at 11.75% (APR 13.95%)².
Arrangement fee: 1% to 2% (based on the customer's credit profile).
Comfort: because you choose the monthly instalment you want to pay, selecting the amount and term that best suits you.
Flexibility: because you can repay it over up to 7 years.
Maximum amount €100,000.
Security: because every day you are exposed to risks or difficulties that can alter your peace of mind or that of your family, you will be able to guarantee the repayments in the event of death, permanent absolute disability, temporary disability or unemployment³.

You decide how and where to take out the loan

Come to your Santander branch and apply for the Santander Personal Loan. And if you are a customer and you have a Digital Banking Agreement and an electronic signature you can check via Online Banking whether you already have a pre-approved loan available.

In the bancosantander.es customer area within the global position/customer area.
Through the mobile banking app, under the "Financing” section. If you don't have it yet, download it here
Or call Superlinea on 915123123.

1. Financing operations subject to prior approval by the Bank. Ask for the credit agreement information sheet (INE) at your branch.

2. Calculation of APR for a loan signed on the last day of the month:

· From: Loan for €12,000 with a term of 7 years, NIR 4.99%; APR 5.57%. Financed arrangement fee: 1.50% (€180). Total amount payable €14,455.56 (€12,000 requested amount + €2,275.56 interest + €180 commissions). Monthly repayment: €172.09. Total cost of the loan: €2,455.56.
· Up to: Loan of €3,000 with a term of 36 months, NIR 11.75% APR 13.95%. Financed arrangement fee: 2% (€60). Total amount owed: €3,645.72 (€3,000 amount requested + €585.72 interest + €60 fees). Monthly fee: €101.27. Total cost of the loan: €645.72.
The APR will vary depending on the repayment period chosen and also due to the collection of a percentage origination fee. Calculations made using the French depreciation system. The NIR, APR and origination fee will depend on the customer's credit profile.
If the transaction is signed on a day other than the last day of the month, a first installment of interest corresponding to the days between the day of signature and the last day of the month will be settled. No study commission. Early cancellation fee 1% if the cancellation period and the expiration date is greater than one year and 0.50% if said term does not exceed one year.

3. Insurance mediated by Santander Mediación Operador de Banca-Seguros Vinculado, S.A. (“Santander Mediación”), through its Banco Santander S.A. distribution network, by virtue of the agency contract it has signed with the insurance company Santander Seguros y Reaseguros Compañía Aseguradora, S.A. Santander Mediación is a company registered in the registry of the General Directorate of Insurance and Pension Funds under number OV-0042 and has taken out civil liability and financial capacity insurance in accordance with current legislation. Consult the rest of the insurance companies with which Santander Mediación has an Agency Contract for the distribution of insurance products at www.santandermediacionobsv.com. Subject to the contractual conditions of the insurance policy.