Santander Consumer Finance

Santander Consumer Finance is a leading consumer finance company specializing in auto loans, personal loans, credit cards and other lending products. It serves millions of customers globally through its operations in 22 countries across Europe and Americas.

Overview

Some key facts about Santander Consumer Finance:

• Subsidiary of Banco Santander Group
• Provides auto financing, personal loans, credit cards and insurance
• Serves over 18 million customers worldwide
• Operates 1000+ branches with presence in 22 countries
• Key markets include Spain, Germany, UK, France, Norway

Santander Consumer Finance offers financing solutions for consumers and businesses to make major purchases and manage everyday expenses.

Auto Financing

Santander Consumer Finance is a top provider of auto financing solutions including:

• New and used car loans
• Refinancing of existing car loans
• Leasing options like personal contract plans
• Dealer inventory financing
• Partnerships with car manufacturers and dealerships

It provides customized loan and leasing options for retail customers and dealerships to finance vehicle purchases.

Personal Loans

The company offers unsecured personal loans for:

• Debt consolidation
• Home improvements
• Big purchases
• Medical expenses
• Major life events

Customers can borrow up to $50,000 with flexible tenors. The application process is simple including online applications, quick approval decision, and fast disbursal.

Credit Cards

Santander Consumer Finance provides a range of Visa and MasterCard branded credit cards catering to different consumer segments. Popular cards include cashback, travel, balance transfer, student, platinum, and premium cards.

Key features include competitive rates and fees, loyalty programs, add-on services, global acceptance, online account access, and more. Customers can manage their credit card accounts via online and mobile banking.

Insurance Products

To complement lending products, the company also offers:

• Auto insurance providing coverage for vehicles
• Life insurance and accidental death policies
• Health and unemployment covers
• Homeowners and renters insurance
• Identity theft protection

These protect loan obligations in case of unfavorable events. Customers can bundle insurance with loans for overall financial security.

Digital Services

Santander Consumer Finance provides digital platforms for convenience:

• Online loan applications with quick decisions
• eSignatures for paperless processing
• Online account access to manage payments
• Dedicated customer portals and mobile apps
• Tools to check rates, determine affordability, etc.
• Document upload, email alerts and notifications
• Live chat, email, and call support

Benefits

Key benefits offered to customers:

• Competitive interest rates
• Flexible loan terms and amounts
• Fast approvals and funding
• Range of lending and insurance products
• Strong digital platforms and support
• Access to extra services and rewards
• Education resources on borrowing and finances

Global Presence

Santander Consumer Finance has extensive operations including:

• 1000+ branches globally
• 20,000+ dealer partners
• Presence across Europe and Latin America
• Localized offerings meeting country needs
• $120 billion in managed assets
• Over 18 million active customers

It combines global expertise and local knowledge to serve consumers worldwide.

Key Takeaways

• Santander Consumer Finance provides loans, cards, and insurance globally
• Offers auto financing, personal loans, credit cards and insurance
• Has significant operations across 22 countries in Europe and Americas
• Provides digital platforms for convenience and transparency
• Customers benefit from competitive rates, flexible options and strong support
• Global presence with localized offerings catering to different markets
• Part of Banco Santander, one of the world's largest banks

With robust financial products, strong digital capabilities and wide geographical footprint, Santander Consumer Finance enables consumers worldwide to finance major purchases and manage everyday spending.