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Santander Consumer Bank
Cash loans

BestCredit

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Santander Consumer Bank • EUR

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🏆 BankSorter Score
6,9 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 2,99%
Loan amount 1 000 – 75 000 EUR
Period 12–96 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

Introduction

BestCredit is Santander Consumer Bank's classic instalment loan for private individuals in Germany seeking financing for purchases, vehicles, or debt consolidation. Santander Consumer Bank is one of the largest consumer loan providers in Germany.

Interest and Costs

Depending on creditworthiness, the effective annual percentage rate ranges from 2.99% to 11.98% p.a., with a fixed nominal rate between 2.95% and 11.37% p.a. The net loan amount can range from €1,000 to €75,000.

Terms and Requirements

The term can be chosen between 12 and 96 months. Requirements for granting the loan include being of legal age and having sufficient income from employment or a pension; there must also be no negative entries in the SCHUFA credit record. No processing fee is stated on the product page. Special repayments and early repayment are possible, though the bank does not publicly disclose specific limits or costs for these. With a digital contract conclusion, payout usually takes place within one to two business days after approval.

Verdict

BestCredit from Santander Consumer Bank impresses with an attractive starting rate from 2.99% and fast digital payout. Anyone with solid creditworthiness can benefit from one of the more competitive offers on the market; however, details on special repayment conditions should be clarified individually before signing the contract.

✓ Pros

  • ✓ Effective annual rate from 2.99% for good creditworthiness
  • ✓ Loan amounts up to €75,000
  • ✓ Fast payout within 1-2 business days
  • ✓ Established, large loan provider in Germany

✕ Cons

  • ✕ Rate can rise to 11.98% for weaker creditworthiness
  • ✕ No public details on special repayment limits or costs
  • ✕ Negative SCHUFA entries lead to rejection

Loan repayment calculator

1 000 EUR 75 000 EUR
12 mo. 96 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 2.99%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 2,99% (APRC — check the bank's current offer), the monthly instalment is approximately 443 EUR, and the estimated total amount payable is approximately 21 245 EUR (including interest: approx. 1 245 EUR). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.