Financing & Leasing
Explore different ways to finance the purchase or use of your vehicle. From traditional instalment financing and flexible repayment plans to vehicle leasing, this page provides information about the available financial products and their individual features.
Information About Vehicle Financing
Classic & Budget Financing
Our Classic Financing
Our traditional instalment loan offers repayment terms of up to 96 months. The total loan amount is repaid in fixed, manageable monthly instalments over an agreed period. The annual percentage rate (APR) is determined by the financing term and remains constant throughout the contract.
Our Budget Financing
Enjoy greater flexibility and financial freedom with attractive financing terms. Finance your new or used vehicle through fixed monthly instalments over a period of up to 60 months.
Budget Financing allows you to keep your regular monthly payments lower without necessarily extending the repayment period. This is achieved by combining monthly instalments with a higher final payment.
When the final payment becomes due, you have three options:
- Return the vehicle to the dealer, provided that an appropriate return agreement has been made.
- Arrange further financing for the final payment under the terms available at that time.
- Pay the final amount directly.
For further information about eligibility requirements and financing conditions, please contact us.
AutoFlex*
AutoFlex is a flexible financing product with individually adjustable repayments. Subject to the minimum monthly payment, you can change your instalments at any time without additional charges. You determine the repayment amount and any additional repayments.
You can also repay the entire outstanding loan at any time without a notice period or additional charges. This may be particularly useful if savings plans or fixed-term deposits become available, or if your income varies seasonally.
Additional Benefits
- A variable interest rate linked to current money market rates based on the three-month EURIBOR.
- Suitable for customers with seasonal expenses or fluctuating income, such as convertible owners who wish to adjust their monthly payments.
* Subject to credit approval. Please contact us for further information.
Santander eFinance
Santander eFinance offers a dedicated range of financial products for electric mobility. These financing options are designed to meet the specific requirements of electric vehicles, charging infrastructure and accessories, helping customers finance their transition to electric mobility.
Available Products
- Financing and Leasing for Electric Vehicles, Charging Infrastructure and Accessories*
Finance your electric vehicle or charging station through different repayment models, including standard and budget financing. Repair financing and individually structured leasing agreements may also be available as part of the product range.
Product Information → - BestInsurance (Car Insurance)**
An insurance comparison service can be used to obtain individual motor insurance offers, including cover for electric vehicles.
- Payment Protection Insurance**
Additional insurance protection for certain covered events, such as death, incapacity for work or unemployment. The exact scope of cover depends on the applicable insurance terms and conditions.
Further Information → - Santander Safe (Purchase Price Protection Insurance)**
This insurance is designed to reduce the financial gap between the relevant insurance payment or replacement value and the vehicle's original purchase price in the event of total theft or a total loss, subject to the policy conditions. The product described also includes an annual value adjustment of 3% of the original purchase price.
Further Information →
Your Benefits at a Glance
- Experience in vehicle financing and electric mobility.
- Financial services tailored to the needs of electric vehicle owners.
- Financing and leasing options with different repayment structures.
- Financing, leasing and selected insurance products.
- Many years of experience in automotive financial services.
- Financing through a specialised banking partner.
* Subject to credit approval and product availability. ** Insurance benefits and coverage are subject to the applicable policy terms and conditions.
Repair Financing*
You take good care of your vehicle, arrange regular inspections and have all necessary maintenance carried out professionally. Nevertheless, unexpected repairs can still become necessary. Alternatively, you may want to upgrade your vehicle with additional accessories.
Repair and accessory financing allows you to spread the cost of the relevant invoice over manageable monthly instalments.
Your Benefits at a Glance
- Greater financial flexibility through fixed monthly instalments.
- A fixed interest rate throughout the agreed financing term.
- Repayment periods of up to 72 months.
- No immediate need to use your existing savings.
- Avoidance of an overdraft on your current account.
* Subject to credit approval.
AutoDispoPlus Card
Would you like additional financial flexibility alongside the purchase of your new vehicle? The AutoDispoPlus Card is described in the previous product range as an additional financing option offering the convenience of a girocard/Maestro payment card.
According to the product description, it can also be used to purchase accessories, spare parts and automotive services from your dealer.
Your Benefits at a Glance
- Up to €5,000 in available credit.*
- Convenient repayment through monthly instalments.
- Cash withdrawals at participating CashPool ATMs.**
- Cashless payments for everyday purchases, fuel, travel and purchases from your car dealer.
- Optional payment protection insurance.
* Subject to credit approval. Charges apply when credit is used.
** Further information about the ATM network is available at www.cashpool.de.
Information About Vehicle Leasing
Leasing can be an attractive way to drive a vehicle without tying up a large amount of capital. You pay monthly leasing instalments for the use of the vehicle. The most suitable arrangement depends on factors such as your annual mileage, the vehicle and the individual contract terms.
Mileage-Based & Residual Value Leasing*
Our Mileage-Based Leasing
Mileage-based leasing is particularly suitable if you can accurately estimate how many kilometres you drive each year. When signing the leasing agreement, an annual mileage allowance is agreed and taken into account when calculating the monthly leasing payment.
Under the described arrangement, if the agreed mileage is exceeded or falls short by more than 2,500 kilometres, an additional charge or refund is calculated according to the conditions established when the contract was signed.
With this leasing model, the lessee generally does not bear the residual value or resale risk. However, other obligations relating to the return of the vehicle remain unaffected.
The mileage-based leasing offer described covers private and business customers, as well as new and used vehicles up to 24 months old from first registration and with a maximum mileage of 130,000 kilometres.
Our Residual Value Leasing
With residual value leasing, the estimated value of the vehicle at the end of the leasing period is agreed when the contract is signed. This residual value is calculated using factors such as the type of vehicle, expected mileage, intended use and optional equipment.
The residual value leasing offer described is also available to private and business customers for new and used vehicles up to 24 months old from first registration and with a maximum mileage of 130,000 kilometres.
* Subject to credit approval. Please contact us for further information about the applicable terms and conditions.
Santander GAP*
Santander GAP insurance is described as supplementary protection for leasing customers in the event of total theft or a total loss of their leased vehicle.
Subject to the applicable insurance terms and conditions, it may cover the difference between the relevant outstanding settlement amount and the vehicle's replacement value, up to a total of €10,000.
* The applicable insurance policy terms and conditions apply. Please contact us for further information.
Santander Leasing Protection*
Santander Leasing Protection (SLP) is an additional insurance product designed to protect leasing customers against certain financial risks.
For private customers, coverage may include benefits in the event of accidental death, death or incapacity for work, depending on the insurance agreement. For business customers, certain risks such as loss of business income or inability to use the leased asset for technical or personnel-related reasons may be covered.
Your Benefits at a Glance
- Different tariff and pricing options.
- Flexible contract structures with various protection options.
- Individual risk protection within the scope of the agreed insurance coverage.
* The applicable insurance terms, conditions and eligibility requirements apply.
Important Notice: All information about financing, leasing and insurance products is provided for general information purposes only. Product availability, repayment periods, interest rates, benefits and eligibility requirements may change. Only the current contractual documents and terms of the respective provider are binding. Financing is subject to credit approval.