Finance Options

Who are Santander Consumer Finance?

We are Santander Consumer (UK) Plc and we trade as Santander Consumer Finance. We are part of the Spanish Banco Santander Group and we provide a range of products designed for purchase of personal vehicles. Our finance and related products are distributed via a network of retailers and intermediary introducers, and also through partnerships with selected car, motorcycle and bicycle manufacturers. We are one of the UK’s leading independent finance companies with over half a million live customer agreements.

What finance is available?

You can choose to fund your bicycle purchase on a Fixed Sum Loan through Santander Consumer Finance.

A fixed sum load is a simple way of financing that gives you the certainty of a fixed interest rate, and fixed monthly payments throughout the agreement. The initial deposit and repayment period can be structured to help meet your budget and the length of time you expect to keep the goods. Fixed Sum Loan gives you immediate ownership of the goods, meaning they are yours from the start of the loan.

What information is required during the application process?

Due to the application for finance you will be asked for information such as name, 3 year address history, date of birth, email and telephone contact details, employment/income information.

What is eligibility criteria?

To apply for finance you must:

  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by direct debit
  • Provide proof of id (valid photo card driving licence, old style driving licence or valid passport)

To apply for finance you may be required to:

  • Provide proof of address (dated within last 3 months)

What do I do if I am unsuccessful in my application for finance?

You will be informed if your application has been declined. The lender is unable to share the reason for decline with us. Some reasons your application might be refused include:

  • you do not meet the eligibility criteria (see above);
  • adverse credit reference agency information
  • your credit score;
  • you are considered to be overcommitted; or
  • your existing account performance with other lenders.

Finance subject to status. Terms and Conditions apply. 18s or over only. Guarantee/Indemnity may be required. Santander Consumer Finance RH1 1SR. Enigma Titanium Ltd is a credit broker not a lender for this financial promotion. We can introduce you to a limited number of carefully selected finance providers and may receive a commission from them for the introduction.