Sabadell Consumer Finance, S.A.

Sabadell Consumer Finance, S.A.U. is a Spanish financial credit institution (establecimiento financiero de crédito) wholly owned by Banco de Sabadell, S.A., focused on consumer lending and payment solutions under the Sabadell Consumer brand. It offers unsecured personal loans, auto and motorbike financing, point‑of‑sale financing for retailers and service providers (such as healthcare, education, and home improvement), and credit cards including revolving facilities distributed through partner merchants, online channels, and Banco Sabadell’s network. As an EFC, it does not take deposits from the public and is supervised by Banco de España for conduct and transparency; products are provided under Spanish consumer credit rules (including delivery of the European Standard Information Sheet) and pricing varies by product and customer profile, with interest, fees, and repayment schedules disclosed pre‑contractually. Early repayment, if allowed, is subject to statutory caps on compensation set by law, and optional ancillary products (such as payment protection insurance) may be offered with separate costs. Credit approval is based on affordability and risk assessments using internal scoring and external credit registers; missed payments can trigger default interest, fees, and reporting to credit bureaus. Revolving credit entails variable costs and the possibility of prolonged amortization if only minimum payments are made, and card APRs should be reviewed against current disclosures and market benchmarks. Customers can file complaints first with the entity’s customer service; unresolved issues may be escalated to the Banco de España complaints service within the legal time frames (e.g., 15 business days for payment services and generally one month otherwise).