Installment offer at Santander Consumer Bank

Installment shopping at Santander Consumer Bank offers more benefits than you think!

Maximum benefits

  • convenience - credit without leaving home
  • an instalment to suit your possibilities
  • no down payment required
  • we can spread the loan over up to 50 equal instalments per month
  • offer credit to more than 3,000 online shops, from a wide range of sectors.

Minimum formalities

  • simple credit granting rules
  • fast credit decision
  • possibility to conclude the loan agreement in the way you choose:
    1. by transfer of 1 zł
    2. via courier service

Convenient and fast!

1. Choose your goods and apply

Add the goods to your basket and select Santander Consumer Bank (Bank) eRATS as the payment method.

In the e-Application for a loan for the purchase of goods and services (e-Application), adjust he loan period and the down-payment to your needs, complete the data required by the Bank, then submit the e-Application and await the Bank's credit decision.

If you do not manage to complete the e-Application, you will be able to return to it using a link that we will send to you at the e-mail address provided in the e-Application.


2. Read and confirm the terms of the Loan Agreement

If you receive a positive credit decision, the Bank will provide you with the loan documentation in electronic format (PDF files). Read it and accept it on the e-Application page.


3. Confirm your identity

The subsequent procedure in the event of a positive credit decision depends on the credit agreement you have chosen.

1. By transferring 1 zł:

Make a 1 zł return transfer to the account and in the manner indicated by the Bank in the e-Application.

This is the fastest way, which - depending on the availability of your bank - can take only a few minutes.

You will find the necessary details for making the transfer on the e-Application page.

2. In the presence of a courier company employee:

A courier will come to you at the address indicated in the e-application and verify your identity on the basis of the identity document indicated in the e-application.

Remember, the courier only verifies your identity, so do not give him any copies of your documents.


4. Delivery of goods

After positive verification of the data confirming your identity, the Bank informs the e-shop that the ordered goods can be released.

The seller will contact you to confirm the delivery terms of the purchased goods and to make your own payment, if any, if you have declared one.

Please note that the terms and conditions of delivery are described in the Terms and Conditions of each e-shop.

1 For a loan for the purchase of goods and services offered by Santander Consumer Bank S.A., based in Wrocław, for the proposal "10 instalments 0%", calculations for a representative example as at 03.01.2022: Actual Annual Percentage Rate (APR) 0%; price of goods 1500 zł; fixed loan rate 0%; total loan amount 1500 zł; total amount to be paid 1500 zł; total loan cost 0 zł; agreement duration: 10 months, amount of 10 equal monthly instalments of zł 150. The credit proposal is valid for agreements concluded between 01-04-2022 and 31-07-2022. This proposal is not an offer within the meaning of Article 66 of the Civil Code. The decision on the granting and conditions of the loan, taking into account the assessment of the Customer's current situation, will be taken by the Bank. Details at
ROLV Group sp. z o.o. acting as a credit intermediary informs its clients about the possibility of using the credit proposal for the purchase of goods and services offered by Santander Consumer Bank S.A., provides its clients with a credit application for the purchase of goods and services and accepts declarations of withdrawal from credit agreements for the purchase of goods and services concluded by Santander Consumer Bank S.A. through ROLV Group sp. z o.o.