Santander Consumer BestCredit review

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

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Our verdict

Santander Consumer BestCredit lends directly in Denmark for personal loans and debt consolidation, and the offer scores 8.1. Interest is variable at 6.11% to 16.4% over a term of 120 months, so it suits borrowers who can pass a credit assessment of income and want a larger, longer loan.

Key facts

Best for
One large, longer personal or debt consolidation loan in Denmark.
APR
6.11% to 16.4% (Source, checked September 26, 2026)
Loan amount
DKK 20,000 to DKK 350,000 (Source, checked September 26, 2026)
Term
120 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
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% (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Santander Consumer Bank, filial af Santander Consumer Bank AS, Norge (CVR 30733053) (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Support channels
Chat, Help-centre (Source, checked September 26, 2026)
Official website
santanderconsumer.dk

Apps and profiles

Elsewhere
LinkedIninstagram.comyoutube.comfacebook.com

Pros and cons

Pros

  • Borrowing at 6.11% to 16.4% sits below the 25.03% upper quartile of the ranking
  • A 120 month term ranks 18 of 232 on length
  • Free early repayment is offered, alongside 81.2% of lenders on the site
  • Debt consolidation sits alongside personal lending, matching the 100% share of that category

Cons

  • The rate is variable, unlike the 80.5% of lenders on the site
  • A hard credit check runs against a fair credit requirement
  • Support runs on chat and help centre only
Santander Consumer BestCredit

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Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Borrowers consolidating several smaller debts into one repayment
  • Adults with a fair credit profile who can pass a hard check
  • Anyone planning to clear a loan early, since free early repayment applies

Who should look elsewhere

  • Borrowers wanting a fixed rate, which Monzo Flex offers at 10% to 23%
  • Small loans, since amounts run DKK 20,000 to DKK 350,000
  • Applicants listed in RKI or the Debitor Register

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 does a Santander Consumer BestCredit personal loan cost?+

The personal loan costs 6.11% to 16.4% and the rate is variable, so payments can move with market rates. The published representative example pairs a variable nominal rate with that same APR range, and early repayment carries no charge.

How much can I borrow?+

Loan amounts run DKK 20,000 to DKK 350,000 for both personal and debt consolidation lending. The top of that range is well above the €653,159.33 ceiling of most personal loans in the ranking, which suits larger purchases.

Is there an arrangement or setup fee?+

Free early repayment is offered on the loan, and the lending model is a direct lender arrangement, so the quote is built on the interest rate rather than a stated setup charge. Rates stay variable for the life of the loan.

What credit check do I need to pass?+

The credit check is hard and the stated credit needed is fair. A hard check is the most common type on the site, ahead of 19.1% for a soft prequalification.

Can I consolidate my existing debts with this loan?+

Yes, debt consolidation is one of the two loan types offered, alongside personal lending. Debt consolidation makes up 100% of the lenders in that category.

Who regulates this lender?+

The legal entity is a Santander Consumer Bank branch of the Norwegian bank, and it is supervised in Norway by Finanstilsynet, the Norwegian Financial Supervisory Authority. The Danish side is supervised by Finanstilsynet, the Danish Financial Supervisory Authority.

How do I apply and who can apply?+

The application is signed online with MitID and each applicant goes through an individual credit assessment of income. Applicants must not be listed in RKI or the Debitor Register, and a co-applicant is allowed.

Can I contact support?+

Support runs on chat and help centre, meaning chat and a help centre, and 79.8% of lenders on the site have a help centre. Self-service answers a question that is hard to raise by phone, since phone lines are less common here.

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

One large, longer personal or debt consolidation loan in Denmark.

9.3/10See alternatives

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