eRats Santander Consumer Bank S.A.

Shopping for e-rats at Santander Consumer Bank is more than you think!

Maximum benefit

  • convenience – credit without leaving home
  • an installment tailored to your capabilities
  • we don’t require a personal contribution
  • we can spread the loan over 48 equal monthly instalments

Minimum formalities

  • simple rules for granting credit
  • rapid credit decision
  • the possibility of concluding a credit agreement in the way you choose: online or through a courier company

Comfortable and fast!

1. select the goods and place an order

- Add the goods to the shopping cart and select eRATY Santander Consumer Bank.
as the payment method. - Fill in the e-application by choosing the most advantageous loan period for you and making your own payment if necessary.
- Send a completed e-application to the Bank.

2. Wait for the consultant's contact

- A Bank consultant will call you to complete additional data.
- Prepare an identity card and information on the amount and source of income.
- During the telephone conversation, the consultant will provide the credit decision and information about the documents necessary to receive the credit.

3. sign the credit documentation

- The further procedure in the case of a positive credit decision depends on the way you choose to conclude the credit agreement.

4. delivery of goods

- After Santander Consumer Bank receives the accepted (Transfer) or signed (Courier) credit documentation and its positive verification, we will notify the e-shop about the possibility of processing your order.

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



We know that furniture transport is a big challenge, so you can use our transport services.


Not only our sofas are comfortable ... financing in installments is also convenient.

Buy safely

We made sure that you feel completely safe when shopping in our store.


Your time is very important to us, if you want our team will put together your furniture for you.