Santander Consumer USA Reviews

If I could give 0 stars I would. I traded my vehicle in just to get rid of Santander Consumer. I get paid once a month and asked to change my payment date and they refused. I was told I could only change the date once and hadn’t ever changed it so not sure where they got there information from. My payment was due on the 29th of the month and I get paid once a month on the first Thursday of the month so the date varied. Now when I traded in my car the dealership had paid off the loan within 5 business days. Now I bought my new car on the 2nd of the month and it is now the 26th so fearing I would get harassed for not paying my loan, I went into my Santander consumer account just to check if it was closed. Nope. Still open with a balance.

Every department is clueless. They will tell you work will be processed on a future date, then explain later that they don't process requests that way. Expect at least a three month wait for every request.

Greetings, We use Santander for an auto loan. Everything went fine until the second contract (?) was needed. Now I cannot log in because "access is denied on this server". To manually pay the payment, I have contacted five people in a row who barely spoke English who assured me I had auto pay, which is never taken out. I have called several times since November 2025 and it is now January 2026 still no payments taken out. They tell me to solve this just pay off the loan. So now it is a constant worry they will add late fees, or repossess the car. My wife had a stroke and we need that car, and we don't have enough money to pay off the loan. Don't use santander.

Santander Consumer USA is what happens when a dumpster fire somehow catches another dumpster fire on fire. They repossessed my car twice for the same autopay failure, after assuring me it was “fixed.” I paid everything, followed their instructions, and even got pressured into using autopay so this wouldn’t happen again. Naturally, their system turned autopay off with zero notice, and instead of owning their mistake, they repossessed my car and demanded more than my actual balance to get it back. Customer service? Nonexistent. I’ve been locked out of my account and told to “try again later,” which seems to be their company motto. After reading thousands of identical complaints, it’s clear this isn’t bad luck, it’s business as usual. If you enjoy chaos, surprise repossessions, and feeling like you’re arguing with a broken robot, Santander is for you. Everyone else: run.

Honestly, even one star is too good for them. I was laid off and contacted customer service. They are rude and ignorant. Trying to do the right thing and work out something with them and all I got was threats and actually they disconnected/ hung up on me twice. As soon as I get in the position or able I am refinancing- stay away from this corrupt corporation.

Avoid Santander at all costs - they have returned the simple act of paying a bill into a bureaucratic nightmare. Their online payment portal is intentionally counterintuitive, seemingly designed to trigger late fees and frustration rather than facilitate easy transactions. When you inevitably encounter an issue, the customer service experience is abysmal. You're routed to offshore call centers where the representatives are not only difficult to understand due to language barrier but also lack of any authority or knowledge to resolve basic account issues. It is a predatory, incompetent institution that treats its customers with utter disdain once the contract is signed. AVOID AT ALL COSTS.

For about 7 months I have been locked out of my online account. Seems like something should've been resolved already after such a lengthy time. Unfortunately I'm writing this while I'm currently on hold for another supervisor. I had online account access for 2 payments then my account got locked. You get a message telling you to call them so it can be resolved. You call but no one knows what they are doing and after months of being told it is being fast tracked by the back office team.

They were very helpful and understanding. They were nice about everything and if you have a problem or anything they help you out with and come up with a solution. I would recommend them for anything.

If I could give zero stars, I would. It's the worst company ever to lend with. They reported on my credit report after I paid my past-due amount. They have zero sympathy for any financial hardships. I have never been late before with them. I made payment arrangements and all. They do not care. Do not, I repeat, do not open an account with them! Never again will I. I can't wait to refinance with another lender.

My experience with this finance company has been the worst ever. I don’t recommend this company to anybody! After leasing my car from Mazda, I decided to it finance and purchase it. Unfortunately they finance me through Santander USA the worst finance company ever after paying it for 3 years they repossessed my car. They would never apply the payments I made to my loan. They always report inaccurate information to the credit bureau causing my credit score to drop very low! They would also report positive information to credit bureau that I was caught up on my loan and the amount on my car loan has decreased however when I would send a payment for the following month they would say I was four months behind! It doesn’t make sense to me. This finance company is corrupt. They’re robbing people, fraudulent finance company, They have a high interest rate. My payment was 688.