Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Santander Consumer BestCredit review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Santander Consumer BestCredit is a Danish direct lender for personal and debt consolidation loans of DKK 20,000 to DKK 350,000. It suits borrowers with a fair credit record who want long terms and free early repayment, and its 6.11% to 16.4% range sits below the personal loan APR median of 14.43%.

Key facts

Best for
A large personal or consolidation loan in Denmark that you may repay early.
APR
6.11% to 16.4%↗
Loan amount
DKK 20,000 to DKK 350,000↗
Term
120 months↗
Credit check
Hard↗
Representative example
Private loan of 100,000 DKK over 120 months, monthly payment from 1,107-1,625 DKK, nominal variable rate 4.90%-14.95%, APR 6.11%-16.40%↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Online application signed with MitID, individual credit assessment of income, must not be listed in RKI or the Debitor Register, co-applicant allowed; no age rule stated↗
Loan types
Personal, Debt-consolidation↗
Credit needed
Fair↗
Legal entity
Santander Consumer Bank, filial af Santander Consumer Bank AS, Norge (CVR 30733053)↗
Headquarters
Denmark↗
Support channels
Chat, Help-centre↗
Official website
santanderconsumer.dk

Facts checked September 26, 2026, 1 source

Apps and profiles

Elsewhere
LinkedIninstagram.comyoutube.comfacebook.com

Pros and cons

Pros

  • Early repayment is free, so a variable loan priced at 6.11% to 16.4% costs less if you clear it sooner.
  • Amounts of DKK 20,000 to DKK 350,000 spread over a term of 120 keep the monthly payment manageable on big purchases.
  • A co-applicant can apply with you, and the credit bar sits at fair.
  • The application is online and signed with MitID, with an individual look at your income.

Cons

  • The credit check is hard (hard), and an entry in RKI or the Debitor Register blocks the application.
  • Support runs on chat and help centre only, so there is no phone line for a complicated case.
  • The rate is variable and the 6.11% to 16.4% spread is wide, with the top end above the personal loan APR median of 14.43%.
Santander Consumer BestCredit

Ready to try Santander Consumer BestCredit?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Borrowers in DK with a fair credit record who need a personal loan or want to consolidate debt.
  • People who may clear the loan early without paying extra for doing so.
  • Households happy to sign with MitID and accept a hard credit check.

Who should look elsewhere

  • Anyone after a smaller loan: Creduma ES, where amounts run from €12,000, sits at a lower floor than this one.
  • People benchmarking another market: Cashspace quotes PHP 12 to PHP 36 in a different currency.
  • Borrowers who want a second rate band to weigh: Sofkredit lists 10.74% to 18.06%.

How Santander Consumer BestCredit compares

Where Santander Consumer BestCredit is available

Available
Denmark, Norway
Licence in Denmark
Finanstilsynet (Danish Financial Supervisory Authority), checked September 26, 2026
Licence in Norway
Finanstilsynet (Norwegian Financial Supervisory Authority), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR will I pay on a Santander Consumer BestCredit loan?+

The APR runs 6.11% to 16.4% depending on your credit profile, and the rate is variable, so it can move during the life of the loan. The representative example pairs the loan with a long term and a wide range of monthly payments, which is where that spread shows up.

How much can I borrow?+

Amounts run DKK 20,000 to DKK 350,000, so the smallest request sits well above what a short term loan would need. That suits a planned purchase, a renovation or clearing several smaller debts, and the term of 120 keeps the monthly figure manageable.

Is the lender regulated?+

Yes. The Danish branch works under Finanstilsynet, the Danish Financial Supervisory Authority, and the parent company sits under the Norwegian authority of the same name. It lends as a direct lender, so you deal with the bank itself rather than a broker.

What credit check do I need?+

The check is hard (hard) and your income is assessed case by case, with fair credit as the stated bar. Applicants must not be listed in RKI or the Debitor Register, and a co-applicant can apply alongside you.

Can I repay the loan early?+

Yes, early repayment is free, with no extra charge stated for clearing the balance early. On a variable loan priced at 6.11% to 16.4% that matters, because the interest stops once the balance goes.

How do I apply?+

The application is online and signed with MitID, then the lender reviews your income individually. No age rule is stated. A co-applicant is allowed, which can help when one of you has a stronger credit record than the other.

Can I use it to consolidate debt?+

Yes, personal and debt consolidation are both available, so one loan can clear several smaller balances. The DKK 20,000 to DKK 350,000 range leaves room for that, and a co-applicant may strengthen the income assessment.

Can I apply outside Denmark?+

The lender is based in Denmark and lends through a Danish branch of a Norwegian bank, so this is a Danish product signed with MitID. If you are elsewhere, Creduma ES or Sofkredit may sit closer to your market.

Sources

  • santanderconsumer.dk/om-os/finanstilsynet checked September 26, 2026

    Backs: Licences

  • santanderconsumer.dk/privatlaan checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Headquarters, Legal entity, Lender type, Loan types, Rate type, Representative example, Support channels, Term

    “Priseksempel Privatlån: Lånebeløb 100.000 kr. over 120 måneder ... Variabel debitorrente 4,90%-14,95%. ÅOP 6,11%-16,40%.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Funding time.

Santander Consumer BestCredit

Santander Consumer BestCredit

A large personal or consolidation loan in Denmark that you may repay early.

9.3/10See alternatives