Santander Consumer USA was founded in 1997 and has a service portfolio of more than $40 billion and over two million customers across the entire credit spectrum. The company is headquartered in Dallas and is a full-service, technology-driven consumer finance company that focuses on vehicle financing and unsecured consumer lending products.

Continue reading for a full review of this company, or jump down to Santander Consumer USA reviews from real customers.

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The Good

Wide Range of Credit Profiles Accepted
Instant Online Application Decision
Bad Credit Loans Available
Refinancing and Individual Purchase Options
Used Vehicle Financing
Available Nationwide

Wide Range of Credit Profiles Accepted

Santander car loans are available to a wide range of credit profiles, meaning that even if you have low-credit Santander could have a car financing solution for you.

Instant Online Application Decision

The Santander Consumer USA website states that once you submit an online application, you will receive a loan decision within 30 seconds. Additionally, the company doesn't charge an application fee and it will present you with multiple offers from which you can choose. This definitely weighs in the company's favor, as other auto loan finance companies often drag out the process for days while continually requesting additional information before giving you a final decision.

Bad Credit Loans Available

Santander Consumer USA offers loan options for both new and used vehicles to consumers with bad credit. However, the company does have certain restrictions in place for these loans. The customer must choose a vehicle that is a model year 2006 or newer with 90,000 to 120,000 miles. Additionally, the car cannot be a commercial, conversion, or customized vehicle.

Refinancing and Individual Purchase Options

Santander Consumer USA does refinancing in some cases. In order to refinance, the company requires that the vehicle you've chosen be seven years old or newer with fewer than 105,000 miles. Santander Consumer USA also allows vehicles to be purchased from an individual. However, the chosen vehicle must be 12 years old or newer with fewer than 100,000 miles to take advantage of this service.

Used Vehicle Financing

Santander offers traditional financing for new vehicles, but also offers financing for pre-owned vehicles. Options are available to buy a pre-owned vehicle at a dealership, but you can also buy, trade in, and finance online through Vroom.

Through Vroom you can browse vehicles online, complete your transaction and have the car shipped to your home or a nearby location.

Available Nationwide

Santander Consumer USA has physical branch locations in Texas, Colorado, and Arizona, but the auto loan company has a nationwide reach through its SC and Chrysler Capital sales teams that are spread across the country. Thus, no matter where you live, a Santander auto loan could be a good option for your car financing needs.

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The Bad

Minimum and Maximum Loan Requirements
Not all Vehicles can be Financed
No APRs Disclosed

Minimum and Maximum Loan Requirements

In most states, Santander Consumer USA has a minimum loan requirement of $5,000 and a maximum loan amount restriction of $75,000. Loan minimums do vary in Arizona, California, and Massachusetts.

Not All Vehicles Can Be Financed

Unfortunately, Santander doesn't finance all types of vehicles. The company does not provide financing for commercial vehicles, motorcycles, conversions, or recreational vehicles.

No APRs Disclosed

Santander Consumer USA has not disclosed interest rates on its company website. While this information is typically determined on a case-by-case basis, it would be helpful if the company at least provided a range so that potential customers know what to expect.

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The Bottom Line

Santander Consumer USA offers quick approval, bad credit loans, and refinancing and individual purchase options, providing car loan solutions for a wide range of borrowers.

With a quick online application process, you can quickly see if you are approved and then choose the best financing offer to best fit your needs.

One large benefit of borrowing with Santander is that you can finance both new and used cars. If you are interested in purchasing a pre-owned vehicle, Santander simplifies this process further through Vroom, an e-commerce platform for buying and selling cars. Through Vroom you can easily browse car options online, buy or trade in, and then your purchased car will be delivered straight to your home or a nearby location.

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User Reviews

Star Rating

1.8

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35 Reviews

Review Breakdown

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14%

4 grade

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1 grade

80%

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Brian Lakewood, WA

You know, everyone knew the interest rate was high when they signed the loan contract with this company. This is not a revelation. My wife and I have had 3 auto loans with Santander. Never one time have they called me, or reported derogatory credit marks. Why? Because, we pay the contract as AGREED. If you make poor decisions, you have to pay higher interest rates. I’m sure people weren’t bad mouthing Santander when they were in the office trying to get financing. If you don’t like how your interaction is, pay off your loan, go somewhere else to get financing. They will not go out of business without you. I know my post will be bad mouthed. I don’t care. It’s the truth. Good day.

5 years ago

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Rob H Fort Mill, SC

I’ve had a couple of loans with them and never had a problem. They are a pleasure to deal with. The last car I bought, they actually sent me a letter 2 weeks later stating they got me a better interest rate and they lowered the payments the dealer gave me. Seems the people here who have problems with them are the cause of their own problems. I’ve always had a very good experience with them.

5 years ago

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Ladie Lavender Eastsound, WA

Thieves! Immoral business practices. I am making monthly loan payments on time ( never missed a payment) and every once in awhile they withdraw additional $500 payment from my bank account. My scheduled payments always show up in my account on the website but those $500 only shows after they take it. They claim that it is normal for scheduled payments to not be shown on the website. How is that legal ? In order to get a refund I have to fax them my bank statement although they can see that additional payment was withdrawn on my account. After I faxed them, nobody contacted me to let me know they received my fax and I will be getting the refund. I had to keep calling just to be told I will get refund in 30 days. They steal money and don't want to return it.

1 year ago

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khosen Charlotte, NC

This company is horrible to use. I brought a car back in 2013 for $11,000. Over the years I pain over $14,000 on the care before volunteering to give it back due to lack of employment for health reasons. They sold the car, wrote off $10,000, reported it to the IRS as a cancellation of debt. I had to pay taxes on it because they filed it as an 1199C and was considered part of my income and they are still trying to collect over $12000 from me. This should be considered tax fraud. After 11 years they are still reporting it negatively to my credit report. Don't use these crooks there are better companies out here that will work with people with bad credit. Santander Consumer company are horrible money hungry company

2 years ago

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Sam Smith Queens, NY

Customer service tell you one thing n something else happens. These people are cold as ice. Every time I call I end up spending 30-45 mins because each rep don't know what they are doing or talk about. Couple of reps were outright rude n disgusting. Their phone systems are horrible! You can hardly make out what they are saying. Sometimes the phone cuts in n out, sometimes there is a delay with speech. They use a very cheap phone system. There overall service n the way they operate is so bad it doesn't surprise me they have bad customer ratings all over the internet. Save yourself the heart ache n skip this bank. There are plenty of great banks out there that will work with you. Santander is NOT one of them.

3 years ago

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Brenda J McGehee San Antonio, TX

I have absolutely NOTHING GOOD to say about SANTANDER CONSUMER USA! Has been a HUGE NIGHTMARE dealing with them. I had EXCELLENT FICO SCORE of 742 when I bought my car(financed through Toyota). So when my son's car was totaled he asked if I'd co-sign a car loan for him. Only lender that would lend him (due to his bad credit caused by his ex-wife ) was Santander. I'd never heard of them. That was Feb.2020 .Then COVID hit. He was able to get 2 months extension but that came with enormous penalties $$. He's made ontime payments until recently(Apr./May 2021) .So a year of ontime payments. Business wasn't good for 2 months but he paid in full May($242.00 for late fees) A few days after he caught up ,I got a letter threatening to repossess the car and auction it off and the difference I would be expected to pay!! Unfortunately I had to sign on as Owner, not Co-signer so the LAYE PAYMENTS go on my credit report as well even though 🙃 he has been making the payments. I just spoke with customer service and told them they have a VIDEO on their site stating THEY CARE and will work with customers on payments!! B.S. That's a LIE. IT'S CEO Mahesh A. making that sentimental B.S. Their way of helping and caring is by tacking on enormous late fees $242 and threats, not one solution offerred. I was told late fees cannot be refunded. I see there are 27 states in a class action suit against Santander and lawyers galore suing them. That's my next step after writing this . Had the time allowed me to do research before signing the loan, I would have gone with a REPUTABLE CO. I have been offerred to refinance with other companies @ 1.9% interest, hopefully I can still get that after the negatives that were sent to my FICO SCORE by Santander. Current interest is at 8.9%($11,000 in interest)

3 years ago

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cmv Athens, GA

The most disgusting, unsympathetic, crooked, scheming, detestable, criminal company I have ever had the displeasure of being associated with. I have a car loan through these bottom feeders, it has been three years and I still owe the same amount on my car thanks to their negligence. First, we were told the wrong car payment amount, then for months we were subject to abuse and harassment saying we were months behind on our car payment because we had been paying a few dollars less per month and it caused less than 100 dollars in late fees. That apparently constitutes being months behind, I called several times and had huge blow outs with the employees until they fixed the issue. It took two years. Then, when we paid the late fees because they refused to wave them, they applied it to the car payment NOT THE LATE FEES. Now, thanks to the chinese coronavirus, we have suffered near poverty and have asked for help from the car company. This last month they REFUSED to help because we had used the deferment too many times, how is that helping Americas through the pandemic? They degraded me on the phone and repeatedly reminded me that I had used all of the available deferment. I begged and cried for help, being honest as possible. Pleading over and over, asking "wouldn't you rather someone defer the payment then not pay it at all?" They said unless I had proof of future payment they won't help. HOW DOES THAT MAKE SENSE? I'M ASKING FOR HELP BECAUSE I CAN'T PAY, THEY WOULD RATHER YOU GET BEHIND AND NOT PAY SO THEY CAN HARRASS YOU AND KEEP YOU IN CONTRACT AND KEEP YOU ACCURING INTETEST THEN HELPING THEIR CUSTOMERS THROUGH THIS PANDEMIC! NOT TO MENTION THEY HAD A HUGE LAWSUIT FOR THEIR RIDICULOUSLY HIGH INTEREST AND THE RESTITUTION THEY WERE ORDERED TO PAY. DO NOT GET A CAR WITH THIS DESPICABLE COMPANY. And now they won't let me post my review, I guess they're too scared the truth will come out. Don't worry I will expose your criminal behavior one way or another.

3 years ago

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Moran Ruff Los Angeles, CA

On March 27th, 2015 I started my car lawn with Santander, Each 27th of a month I was charged 287.93$ for my car payment. All my payments paid on time with no late fees/issues. Since I open my bank account (2011), I DIDNT change any of my Banking information. All those years my payments received on time and I didn’t receive any call regarding payment issues from Santander. On March 18th, 2021, I noticed that on my Santander online profile I have a late fee of 4.93$. I called Santander customer service and I was told that thanks to my payment history they will process a waiver to that fee and will charge the balance as they always did. On March 24th, 2021, I checked again my online profile to make sure the fee waived and noticed that fee again. I called Santander customer service, and I was told that the reason I saw the same amount again was because the manager views my file and waived the fee. I asked the representative what my balance, he replies 98.77$ and I authorized him to charge my account for the last payment, He congratulates me on my final payment and I understand it a done deal and my account is good. On April 2nd, 2021, I received a call from a Santander representative that told me my car was towed, I asked him why the towing company called him if I paid my car in full, He replies that its taking time to release their name as a lean holder (up to 30 days) and that’s the reason the towing company called him and not me. The morning after I released my car from the towing company and paid them in full. On April 16th, 2021, I received an email that my credit score got decreased and when I logged in to my Credit Score account I saw a late fee with my car payment. I called Santander customer service to understand why (If I already authorized to charge my account for 98.77$) they report a late payment to the credit companies. The representative went over my history and told me that he can see that I always paid on time (Even in 2020 that I was unemployed ) and there’s no manager in to take my call and to try again during the week. On April 22nd, 2021 I called Santander and asked for a manager, Nicole answered me and told me as well that my history looks good, and then she transfers me to the executive manager (because she can’t help me with credit reports), I was waiting for 5-10 minutes, then Nicole got to the phone again and tried to push my complaint to another day or to wait 24-48 hours for a call back from them, I insist and asked to keep waiting and speak to executive manager, after 5-10 someone pick up the call and checked my file.. He said that because they (as a lown company) authorize to charge the same amount only (287.93$) and my balance was different from the amount above they couldn’t charge my account and this is why it became a late payment and that he cannot help me with my complain.

3 years ago

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Nil de Souza Nampa, ID

I am a retired Veteran got an auto-loan through Santander. They have been reporting differently to all three bureaus. To one bureau is on time every month (which it is correct - is on automatic pay), to another they reported three months and account closed, to another they I have been late since I got the car for over a year. I have called several times. They never know what is going on and "...oh I will make a note someone will call you in the next 72 hours..." it takes over a full week for someone to call leave a phone number with their name... but when you return the call it does not go to that individual; it is another person who is read to write a note/comment and someone will call you in reference to your complaint in the next 72 hrs... when they do not end up yelling at you or hanging up and don't even bother to call you back. This is affecting me in BUYING MY HOME and Santander DO NOT CARE!!!! Look online... only if I knew... they have a thousands and thousands of complaints!!!! It amazes me that ALL we do is complaining and they continue to make profit on their mistakes and continue to exist. I don't understand why they are not penalized for ruining the customer's life's progress.

3 years ago

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Trina Bailey Baltimore, MD

I PURCHASE A 2011 BMW X5 ON 12/19/2016. IT WAS STOLEN ON 01/03/2018. MY CAR INSURANCE PAID IT OFF THE MAJORITY. BUT, I WAS LEFT WITH A BALANCE IN WHICH I SEETLED OUT ON MARCH 29TH,2019. THIS AGREEMENT WAS MADE WITH GATEWAY ONE LENDING IT WAS MADE VIA PHONE CALL WHICH SHOULD HAVE A DETAILED RECORD BECAUSE THEY ARE RECORDED. I AND GATEWAY ONE LENDING AGREED FOR THE FULL AMOUNT SETTLED ($616.50) TO BE TAKEN OUT MY ACCOUNT AND NO FURTHER COLLECTIONS WOULD BE DONE. I WAS REASSURED THIS ONE PAYMENT WAS TO SETTLE OUT MY ACCOUNT TO A ZERO BALANCE. HOWEVER, TODAY ONE YEAR LATER FROM MY SETTLEMENT I RECEIEVED A NOTICE STATING THAT I HAVE A BALANCE OF $244.38.00. WHICH IS INCORRECT THE PAYMENT I AGREED TO PAY ON MARCH 29TH, 2019 WAS MY DEBT SETTLEMENT AMOUNT. SANTANDER CONSUMER USA, INC. CAN NOT GIVE ME AN EXPLANATION AS TO HOW OR WHY MY ACCOUNT HAS BEEN MISMANAGED. AND, TRYING TO COLLECT ON A DEBT THAT WAS SETTLED OUT BY THE ORIGNAL FINANCE COMPANY IS BREACH A VERBAL AGREEMENT MADE BETWEEN MYSELF AND THE ORIGINAL CONTRACT OWNER AND ZOMBIE DEBT. I HAVE REQUESTED THE VERBAL RECORDING OF THE PHONE CALLS FROM 03/28/2019 AND 03/29/2019. BECAUSE, EVERY CALL IS RECORDED. IF THERE HAS BEEN AN ERROR IT WAS NOT ON MY PART I AGREED TO PAY THE SETTLEMENT AMOUNT IN FULL AND DID NOT DISPUTE THE AMOUNT TO BE TAKEN ON 03/29/2019. IF THE FULL AMOUNT DIFFERED FROM WHAT GATEWAY ONE LEADING TOOK THAT ERROR WAS ON THE CUSTOMER REP BEHALF, AND NOT MY OWN. THIS COMPANY IS ALSO TRYING TO STATE THAT THE AGREEMENT WAS FOR 615.60 AND THE GATEWAY ONE LENDING REP ONLY TOOK $616.00 OUT OF MY ACCOUNT AGAIN THAT ERROR WAS NOT ON MY BEHALF THAT WAS SOLELY ON THE A/R REP FOR GATEWAY ONE LENDING REP. THIS ERROR WAS NOT ON MY PART AND THE REP HANDLING MY ACCOUNT SHOULD BE HELD ACCOUNTABLE NOT MYSELF. I WOULD LIKE FOR THIS COMPANY TO PULL THE ORIGINAL CALLS ON MARCH 28TH AND 29TH, 2019. TO SEE THAT WHAT I STATE IS FACTUAL AND TRUE I WOULD LIKE FOR THIS COMPANY TO NOT BREACH CONTRACT ON THE VERBAL AGREEMENT MADE BETWEEN MYSELF AND THE ORIGINAL LEADING COMPANY. SO, THAT THIS ACCOUNT CAN REFLECT CLOSED AND PAID IN FULL AS IT STATES ON MY CREDIT REPORT FROM GATEWAY ONE LEADING. THIS COMPANY IS ROBBING PEOPLE, MISHANDLING ACCOUNTS, BREACHING VERBAL CONTRACTS AND TRYING TO COLLECT ON ZOMBIE DEBT PREVIOUSLY SETTLED OUT ON BY THE ORIGINAL DEBT HOLDERS. THIS CAN NOT BE LEGAL.

4 years ago

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Christina Ocala, FL

So we bought a car for about 7000 and put 5000 down. After all the fees, etc our loan was like 6300$. So I decide to try to pay it off quickly, for each 159$ payment we make they will take up to 96$ in interest. When I questioned it..their only response was it's a simple interest loan, that's how it works. So I said but how can interest have accrued when the first payment isn't even due yet? No answer, except that's how this loan works. Our interest is 20% overall, but for each payment I have made they take varying high amounts, never the same amount for interest. Needless to say, this loan really seems like it should not be legal. I have no idea what is really going on, they just hike the interest up each time we make an extra payment. I asked if we are getting early payment penalties but they said again, it's a simple interest loan. So, in the end we will probably pay about 17000$ for a car which was selling for 6200$. Buyer beware with these thieves. Horrible company to get a loan with.

5 years ago

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Rinda Pfister Tulsa, OK

Customer service is ALLOWED to provide misinformation to its customers only to find out you were misinformed down the line and to be told there's nothing they will do for you. I've had a contract for 3 years now, not once have I paid a day late in 37 payments and I pay over! Yet, I was told anything outside of my normal payment amount automatically goes to interest. This wasn't true and it was applied to interest. They even pulled the call in which I was told this! Yet and still I'm literally told "there's nothing we can do for you". What poor service! The Executive Office is a joke, and Steven W wasn't at all helpful and wouldn't provide me with a manger stating he's the highest possible person I can talk to! How's that if you don't own the company and you're not at corporate? Extremely dissatisfied with Santander's customer service...or lack thereof I should say. I will not recommend them whatsoever from this point forward.

5 years ago

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Heaven Coeburn, VA

Tim Short Honda in Ivel, Kentucky set me up with this bank. Only after I signed the papers did I realize they wanted me to pay 19.97% interest. I put $4,000 down on a $9,939 used 2015 Ford Focus. With tags costing $599, over $400 in taxes, and $850 for GAP insurance, my loan was for $7827. However, in 6 years, the amount of interest I was paying for the $7827 loan was over $5,500! An absolute mockery and total joke! I got approved for a loan through my bank with 9.25% interest and only have to pay $160 per month for 4 years, compared to paying $189 per month for 6 years! This bank should be absolutely ashamed. I am paying off this loan through my bank before I ever have to make the first payment with their scam of a company.

5 years ago

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Miss Newark, NJ

I purchased a vehicle in 2015 never paid late. In Oct 2018 I traded the vehicle in, contacted Santander to inform them that the 10 day payoff amount was accepted. The check was over nighted to Santander. Two weeks later Santander placed a late payment on my credit report. I called Santander to determine if the car was paid off in October why would they report the payment late in November. I was placed on hold for a very long time for the representative to review my contract just to confuse me more. I believe because they loss thousands of dollars and interest that they placed this on my account to hurt my credit.

6 years ago

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Danny and Victoria Lucas Conroe, TX

We have been paying for a travel trailer for the past 10 years...... they have received ALL of the purchase price plus SUBSTANTIAL INTEREST. Current balance is $16,200........ As the travel trailer is a lousy trailer - the manufacturer has gone out of business... and we have come upon financial and health issues...... we sold funeral plots and offered them $14,000 to pay off the trailer..... this would have in affect paid them $46,375 for a travel trailer that was less than $30,000......... MORE THAN ENOUGH...... We went through telephone calls, emails, etc. and they finally told us to make a formal written request. We did so and never heard back....... We finally contacted them again and they said "it is company policy that we do not negotiate pay-off amounts." We said - so you would rather pick up a travel trailer that is worth less than $1,000 - have it fall apart in transit - NOT receive a total of $46,375 (with the pay-off amount we are willing to pay you) and get nothing because you are forcing us into bankruptcy (and we will use our $14,000 NOW to pay on something else - to someone else) and you will not get any of it? Their answer: SORRY......... It is not like we were asking them to negotiate anything more than about $2200 off the balance of the loan. We have 5 years left to pay on the loan..... The only difference for them TODAY is $2200.......... THIS COMPANY IS CROOKED - AS MANY PEOPLE HAVE STATED......... I will ensure that horrible reviews are blasted ALL over the internet, Facebook, and any other portal that I can possibly find. I hope they enjoy this piece of junk as they pick up the pieces of it as it falls apart on it's way to Dallas....... you can't squeeze blood from a turnip...... and we have nothing else to give...... no savings, nothing............ cancer has wiped out most everything.... and here we are trying to do our part...... SHAME ON SANTANDER CONSUMER USA.

7 years ago

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LS H Phoenix, AZ

Horrible crooked finance company! 6 years of paying an auto loan, they screw up the reporting and delete the entire 6 years of good car credit history from my credit reports. AND........CANT/WONT add it back. They say they can't. I say, i'm calling a lawyer! How is this fair to the consumer. 6 years of good credit history REMOVED because they make a mistake! and the consumer is penalized! WAY TO GO SANTANDER!!! You outdid yourself. STAY AWAY from getting a loan from them!!!! And their Customer Service people all the way up to managers....dumb as the day is long!

3 years ago

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Luis Rosa Jr New York, NY

Santander is corruption! They dont help with anything!! To much interest in car loans! During this crisis dont help ! They want there money now!! I am in workers comp they stop the checks! For misunderstanding! I told whats going on! In june 30 i get a hearing! To reinstate my checks! I was two payment behind ! They want to repo my car for two payment! This bank is should be shut down for ever! Now my credit is going to be screwd thanks to this corrupt guys!!

3 years ago

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Dack Turner Jenks, OK

After paying 21% interest for a year on time every month, unfortunately, my car was totaled. The insurance paid the amount due on the loan, but Santander has come back to me saying I owe $17.00, as in seventeen dollars, yes $17. After I paid them hundreds in interest they can't write off a measly $17. They had the nerve to turn me into the credit bureaus today saying I'm 30 days late on this payment, that I do not owe. The most unprofessional bank I have ever dealt with. I wouldn't take out a loan from them for a heart transplant if I needed it. Stay clear of these aholes.

3 years ago

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Dorothy Durden Foley, AL

I called Santander because my car was under a recall & not running for 3 weeks. I asked if I could postpone a payment. The woman on the phone was a total heartless & non helpful person wanting to know how I was going to have the next payment. One payment was supposed to be postponed & these bunch of crooks took $308.48 out of my account anyway. I would give this company zero stars if that was possible. I can't believe I was treated this way after owning my car for 15 months & never missing a payment.

5 years ago

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Chanelharrison89 Washington, DC

I got a $15 late fee for paying early and was told it's because I have a automatic payment and the system doesn't recognize early payments. I always pay early and have never gotten a late fee and its never been an issue. When I asked about that I was told there not responsible. How can I trust a company that charges you for making early payments and picking when it's an issue. Imagine if they do this to every customer there practically stealing money and can't give a good explanation for a charge. The customer service is barbaric at most.

6 years ago

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Jasen Lawrenceville, GA

DO NOT ACCEPT A LOAN FROM SANTANDER! THEY HAVE LISTED MY ACCOUNT AS A CHARGE OFF EVEN THOUGH I STILL HAVE THE CAR AND AM MAKING THE REQUIRED PAYMENTS. SANTANDER LIED WHEN RESPONDING TO A CREDIT BUREAU DISPUTE. i AM MAKING THE REQUIRED PAYMENTS BUT THE BALANCE CONTINUES TO GO UP NOT DOWN. HOW IS THIS COMPANY ALLOWED TO OPERATE IN THE UNITED STATES OF AMERICA. CUSTOMER SERVICE IS VERBALLY ABUSIVE AND RUDE!

6 years ago

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Kristen Calverley Pittsburgh, PA

This predatory lender reported my car payment as 30 days late to the credit agencies after a payment for one month was inexplicably returned. The result was my credit score dropping 85 points. I then contacted the company to help me get the late payment removed from my report, they refused. Please keep in mind I have paid this company on time for 3 years, and usually over the minimum payment amount. I had been building my credit for years to apply for an SBA Loan to support my family and this company made it all but impossible.

6 years ago

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T5576 Santee, CA

I lost my job during covid the members are extremely rude and cut you off on the phone. They charge you so much for a very simple vehicle. My interest rate is 21% and doubled the price of my vehicle. I have a sentra. My payments are roughly 500$ they don't offer refinancing and I've been paying for 2 years and my principal hasn't been dented.

3 years ago

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ldubb walker Livonia, MI

First time getting a new car. Didn't know much about interest rate. But they gave me a 24 percent interest rate. I paid 30,000 for a car that was 15,000. Never again. Fool me once same on Santander. Fool me twice shame on me.

3 years ago

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Cecilia Martinez North Las Vegas, NV

THE WOREST COMPANY PAYED OFF MY CAR AND HAVE NOT RECEIVED MY TITLE ITS BEEN MORETHEN A MONTH AND EVEN CALLED DMV THEY SADED THAT THEY HAVE TO RELEASE THE TITLE. AND STILL HAVE NOT RECEIVED MY LETTER THIS IS UNBELIVEABLE THE WORST COMPANY IN THE WORLD.$#$@%^%%

4 years ago

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Beautiful7 Cincinnati, OH

Santander is thee worst car loan out there now. If you miss a payment or late their interest is so high, you go into debt paying your mthly payments. DO NOT EVER GET A LOAN FROM SANTANDER. They will quickly take your vehicle. Quickly!

5 years ago

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Mike Maryville, TN

Absolutely awful service. Forced me to make multiple payments by phone to payoff loan or mail a check which both resulted in additional interest. When tried to confirm payoff received, phone system put me through a continual loop. The customer service department can't handle even the most basic requests.

5 years ago

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Y.D

Overall I had a great experience with a company willing to work with loyalty over score, or at least that how they made t seem.

6 years ago

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M G Beltsville, MD

Sadly im paying about 40,000 for a car that was only 17,000. Santander wont cut me any breaks whatsoever. Crushed by covid 19 and they wont waive any fees at all. No mercy at all.

3 years ago

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Mark

They have excellent customer service. They help you if situations come up.

6 years ago

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Jami Schmieding Mesa, AZ

I have my car loan through this company, low interest rate and I have never had any issues.

6 years ago

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Amber Gilbert, AZ

Just paid a car off with them early. Negotiated with me on pay off and I saved $5000.

6 years ago

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Verified Customer

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george christoff 76014

Very high apr and no option for refinancing after 4 uears of payment

6 years ago

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Kimara Fox

They are available and have great rates.

6 years ago

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John Kenny

Terrible customer service. Untrustworthy. Rude. Belligerent. Nasty reps.

6 years ago