Classic and budget financing

Our Classic financing

Our classic installment loan - with a term of up to 96 months. The total loan amount is repaid in constant, manageable monthly installments over a fixed agreed term. The APR is linked to the financing term and remains constant over the entire contract period. As a matter of course!

Our budget financing

Gain even more flexibility and expand your scope with fair conditions. Finance your new or used car in constant monthly installments with a term of up to 60 months. With our budget financing, you have the option of financing your vehicle with low installments without having to accept a longer term, because the installments are coupled with a higher final installment.

When the final installment comes due, you have a choice of three different options:

• You return your vehicle to the dealer (provided you have made an appropriate agreement with your dealer).
• You continue to finance the final installment at top conditions.*
• Or you pay the final installment directly in cash.

For more information, please contact us.

Autoflex*

Flexible financing product with individual installment structure, because with AutoFlex, installment changes - taking into account the minimum installment - are possible at any time, free of charge and without any problems. You determine the installment amount and the unscheduled repayments. You can even pay off your financing completely and free of charge at any time without a notice period. This makes sense if maturing savings contracts or other fixed deposits are available or if you have seasonally varying income.

Other advantages for you:

• Variable interest rate based on the current money market rate based on the 3-month Euribor.
• Also particularly suitable for convertible drivers - in the summer you lower the rate and thus have more financial leeway for your consumption costs.

Additional information

• Product brochure

For further information please contact your car dealer.

_*Conditional creditworthiness

Santander eFinance

With Santander eFinance, we have created our own area of expertise around the topic of e-mobility, so that you can enjoy your e-mobility safely and affordably today. We are the first financial services provider to offer you a comprehensive product range that has been specially developed to meet the requirements of electromobility. With our eFinance products, we want to actively support you in your decision to purchase an electric vehicle.

We offer you

• Financing and leasing of electric vehicles, charging infrastructure and accessories*:
  Finance your electric vehicle or your charging station - simply, flexibly and at top conditions. You are free to choose between standard and budget financing. And if the worst comes to the worst, you can spare your budget with our repair financing.Of course, you can also lease your electric vehicle. The leasing conditions can be individually adapted to your wishes.
• BestInsurance (car insurance)**:
  With our innovative comparison calculator for car insurance, we can create a customized insurance offer for your electric vehicle.
• RatenSchutzVersicherung**: 
  In the event of accidental death, death, incapacity or loss of employment, this insurance ensures that you can continue to meet your financing obligations.
• Santander Safe (purchase price insurance)**:  
  Security even in the event of total theft of the vehicle or total loss (due to fire, flood, accident). Santander Safe closes the gap between the current replacement value on the day of the damage (benefit from your comprehensive insurance) and the original purchase price of your vehicle. Added to this is an annual value adjustment of 3% of the purchase price.

Your advantages at a glance:

• Know-how and experience of the market leader in eMobility financing.
• Financial services tailored specifically to the requirements of electromobility.
• Top conditions and attractive rates.
• Financing, leasing and insurance from a single source.
• Over 50 years of experience as a vehicle financial services provider.
• More security through an independent, financially strong and liquid automotive bank.

Repair financing*

You take good care of your vehicle, you regularly take it in for servicing and have all maintenance appointments carried out professionally. And yet it happens so quickly: An unforeseen repair is necessary for your vehicle. Or maybe you simply want to upgrade your vehicle with attractive accessories. The solution? Low-cost financing of the bill in small monthly installments with our repair and accessory financing.

Your advantages at a glance:

• More financial flexibility through financing in manageable, consistent monthly installments.
• A fixed interest rate within the term.
• You can choose a term of up to 72 months.
• No need to use savings.
• No overdraft on your checking account.

Additional information

• Product brochure

_* Creditworthiness required

AutoDispoPlus-Card

Would you like to fulfill other wishes in addition to your new car? Then why not use the AutoDispoPlus-Card to give yourself additional financial freedom - with the familiar convenience of a girocard/Maestro card. Of course, you can also use the AutoDispoPlus card to buy accessories from your dealer, as well as spare parts and all services.

Your advantages at a glance:

• Up to € 5,000 freely available*.
• Convenient repayment in monthly installments.
• Free cash at over 3,000 CashPool ATMs**.
• Cashless payments worldwide - for everyday shopping, filling up with gas, on vacation and, of course, at your car dealer.
• With individual installment protection insurance on request.

^* Creditworthiness required. Costs will be incurred if you make use of this service.
_{** For more information, please visit www.cashpool.de.}

Mileage and residual value leasing*

Our mileage leasing

Mileage leasing is ideal for you if you know how many miles you drive per year - because that's what determines the monthly rate. When you sign the lease, you agree on an annual mileage.

If you exceed or fall short of this mileage by more than 2,500 kilometers, a subsequent charge or reimbursement is made, which is already stipulated when the contract is concluded. You therefore bear no residual or marketing risk. We offer mileage leasing to you as a private or commercial customer for both new and used cars up to 24 months old from the date of initial registration and with a maximum mileage of 130,000 km.

Our residual value leasing

With residual value leasing, the residual value of the vehicle is calculated at the time the contract is concluded in relation to the end of the contract. This amount is usually agreed between the dealer and the lessee. The residual value is calculated according to vehicle type, mileage, type of use and special equipment, among other factors.

We offer residual value leasing to you as a private individual or as a commercial customer for both new and used vehicles up to 24 months old from the date of initial registration and with a maximum mileage of 130,000 km.

Additional information

• Product brochure for private customers
• Product brochure for commercial customers

For further information, please contact us.

* Creditworthiness provided.

Santander GAP*

Our Santander GAP insurance protects you as a lessee in the event of total theft or total loss of your leased vehicle. In this case, the GAP insurance pays you the difference between the redemption value and the replacement value for your vehicle up to a total amount of
10.000,– €.

For further information please contact us.

* The respective valid insurance conditions apply.

Santander Leasing Protection*

SLP protects you as a lessee against financial bottlenecks in the event of a stroke of fate. In the case of private customers, the leasing instalment is paid by the insurance company in the event of accidental death, death or incapacity to work. In the case of commercial customers, the insurance pays their installments in the event of the loss of the basis of acquisition as well as in the event of loss of use of the leased asset for technical or personnel reasons.*

Your advantages at a glance:

• Attractive conditions.
• Flexible contract design with various rate options.
• Individual risk coverage.

Additional information

• Product brochure for private customers
• Product brochure for commercial customers

For further information, please contact us.

* Creditworthiness assumed. The respective valid insurance conditions apply.