← Embedded Finance Index 2026/Vendor

Santander Consumer Finance

Provider
LendingBaaSSponsor Bank

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 3 categories.

santanderconsumerfinance.com ↗
CategoriesLending, BaaS, Sponsor Bank
Rank#112 of 229 in Lending
Buyers2 companies
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Who uses Santander Consumer Finance
2 companies disclose Santander Consumer Finance in their stack
Openbank PayZinia
What the disclosures say
Openbank Pay
“Multiple pages describe Openbank Pay offering BNPL (30 days / 3 instalments interest-free) and Openbank Pay Privatkredit (general consumer loan under §491 BGB) originated on Openbank's own balance sheet, with Santander Consumer Finance providing consumer-lending expertise ('19 million customers... 16 European countries…”
Zinia
“Electronic Payments International: 'Zinia allows customers to pay for their shopping in interest-free instalments online or through the physical point of sale.' Shopware listing: 'pay in 14 or 30 days and in monthly instalments, interest-free.' Built In: lending, cobranded credit cards and BNPL business areas, powered…”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Santander Consumer Finance? Claim this profile above to unlock your own full list.
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Alternatives to Santander Consumer Finance

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm55 buyers →Klarna35 buyers →YouLend35 buyers →Mambu34 buyers →Stripe Capital28 buyers →Wisetack27 buyers →Liberis18 buyers →finmid16 buyers →
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Ranked #112 of 229 in Lending — Embedded Finance Index 2026
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