Character of the lender
Santander plays best in car loans — Santander Consumer Bank (a separate subsidiary in the group) leads that market in Poland with about 30% share. New car RRSO from 8.5%, used car from 10.5%. The bank finances dealership and independent-dealer purchases on the same terms.
On cash loans Santander sits mid-pack (RRSO 10–13% in 2026). The Santander MojeID app runs quick digital authorisation, but the actual cash loan application above 30 000 PLN usually needs a phone call or a branch visit — the bank values relationship quality above automation.
On mortgages Santander is solid without records. Margin from 2.3% at 20%+ down, decision in 7–9 weeks. The bank runs government schemes (Safe Loan 2%, Mieszkanie na Start), just at smaller scale than PKO BP and Pekao.
Offer
- Cash loan: up to 200 000 PLN, term up to 120 months, RRSO 10–13% in 2026
- Santander Consumer car loan: RRSO from 8.5% on a new car, up to 250 000 PLN
- Mortgage: margin from 2.3%, term up to 35 years
- Credit card: Santander Mastercard World, limit up to 60 000 PLN, RRSO 20.5%
Application process
Cash loan application up to 30 000 PLN online in the Santander app — decision in 30–60 minutes. Above that — phone call with an adviser (justified by the bank as high-value-loan service standard). Mortgage: 7–9 weeks. Car loan: 24–48 hours for a client with full documents.
Fits well for
- Car-loan seekers — Santander Consumer is the market leader
- Multi-product clients with Santander history — cross-sell works
- Clients who value hybrid service (online + phone)
Not for
- Anyone chasing the fastest decision — mBank and ING usually beat Santander
- Non-account clients hunting the lowest RRSO
- Clients who prize a fully digital experience without phone calls
Frequently asked questions
Two separate subsidiaries of the Santander Group. Bank Polska runs full retail and business banking. Consumer Bank focuses on instalment, car and consumer loans.
In 2026 the payment is about 640 PLN/month at RRSO 11.5%. Total interest about 8 400 PLN. Actual terms depend on your profile and Santander products.
Service or dzieło contracts with 12+ months of regularity — yes. Below — only with extra documents (say, an account statement with regular inflows).