Santander Consumer USA Reviews

I was desperate for a vehicle. I purchased a 2017 Honda Civic. Payment was 640 a month. The loan officer told me if I paid on time for a year I could refinance and bring the interest rate down 29.9%!! After a year and a half I tried to refinance. Santander doesn't refinance!!! Nobody would help with my loan because I owed twice what the car was worth. I finally couldn't afford the payments any more. My car was repoed. I'm a single Mom and this hurt my family terribly! This company should be shut down. They steal and manipulate consumers!

My recent experiences with Santander have been far below expectations. The customer service team seems unprepared and uninterested in helping customers. Calls are transferred endlessly, issues go unresolved, and communication is inconsistent. It’s clear that customer care is not a priority, and that’s unacceptable for a financial institution.

They are rude, I have tried to make payments when I can, I was behind one month. They are saying I am past due for 87 day which is a lie. They haven’t really posted my payments that I have made. My credit sore has gone down because of them lying. I’m so over them. Plus you can’t really understand them. The guy I talked to last week told me to make a payment of 800 dollars this week and the same amount next week! I told him I didn’t have it and he said not my problem! Jerk! I’m done with them. They should be closed down!

Lately, Santander is very poor about making funds available when depositing a check from a business. They place extended holds on those checks and give some poor excuse as to why. I have never had poor experiences with them before. I have had them for years. I never overdraft account, etc. This year, I have deposited 2 checks from businesses and hold was placed on both. They have only one more chance or I will change banks. As of this year, I have issues with them after being a long time customer of theirs, now they treat their customers like crap!

Unfortunately I picked this bank to get my loan for my car in 2023. They make it almost impossible to pay down the loan, you can’t set up additional payments to go directly to the principal to bring the loan amount down quicker because that isn’t an option when you pay online. And when you call the service reps don’t understand what you want to do so instead of the additional funds going to principal they cancel the next automatic payment automatically so the loan accrues more interest. I called to pay off the entire loan and was told I had to send a check for that amount, does it say that on the website? Of course not! I can’t wait to have my title in hand and be done with this antiquated system and rip off bank!

I will never use Santander again. They threatened to repossess my car. I was never late and paid $15,000 in one month. When they sent a bill and I scheduled a payment before the very last day it was due, they would say I needed to make another payment. They wouldn't allow me to pay off my car. I only owe $900. So now they keep trying to keep me from entering my account to schedule a payment.

Santander has been a blessing from God for me after an unexpected medical emergency that was life threatening! They gave me a second chance and literally have continued to cater to my needs as I am a senior citizen with no one else doing so. Thank you Santander, KUDOS!!!! KEEP UP THE GOOD WORK TAKING CARE OF YOUR CUSTOMERS.

If I could give Santander a zero, I would. The single most ineffective mortgage institution in history; on my early mortgage payoff, the created a host of intentional delays, with prolonged period of non-submission of mortgage lien payoff documents, prolonged retention of tax payments (that long ago were unnecessary), the addition of fees, the inability to speak with Santander counsel, etc. I know that I'm just another of the overwhelming 1* votes, but I think it's time for a committed State AG review of these practices.

My experience with Santander is the worst I have ever experienced with a financial institute. When I tried to pay off my vehicle their system wouldn't even allow me to pay it off. Their system would only accept a certain amt to be paid within a 30 day period. I feel this is done so they can collect more interest. When I tried to get a pay off amount I was given 3 different amts. 1 from the online service, 1 from the automated service and 1 from the customer rep.

The absolute worst customer service ever. I own a vehicle outright with no lien as I paid cash. Evidently this predatory lender originally financed the vehicle 10 YEARS AGO. It was repossessed and sold at auction in 2016. It had a second owner but this lender never released the lien or issued a letter of no interest. I have spent countless hours with multiple people on the phone, getting a different response each time. Unbelievable.

I traded in my car in November. The GAP insurance company issued the refund to the dealer, who forwarded it to Santander in December, 2025. It is now March 3rd and I keep hearing it will be mailed in 7-10 business days. I am sending them one final letter and then I file a complaint with the state insurance commission.

I recently financed a truck through Santander, less than a month later I found out I was pregnant (unplanned) which changed my living, financial and medical situation. I was no longer able to make the monthly payment due to deciding between paying my medical bills or paying for the truck. I let Santander know immediately about my situation change but they were unwilling to renegotiate my loan or defer payments due to how new my loan was. Instead they kept harassing me with daily calls, asked when I would be able to make payments and made me constantly explain and talk about my intense pregnancy and medical situation like they never bothered to write it down or care.

This Finance company is a joke. I got a car loan with them. Paid for 2 years. Never late or missed a payment for them to turn around and decline me on my new car and my credit score is 65 points higher than when we did the first loan.

Wanted to pay my car off, apparently there is a 10k limit per month for my preferred payment method. Tried talking to them directly, and they just kept on repeating the same script. Even their manager line kept saying the same thing. I have never heard of a bank refusing to take my money until I ended up with this bank. They do not even offer Automatic payments. Which would have made this experience a little better. Which is the reason I’m just trying to pay it off and move on.

I have been stuck with these fools for five years and dealt with a plethora of issues but this one takes the cake. In September 2025, I was one month's payment behind, I accept responsibility for that. With the update of their online system, I noticed there was a payment plan option for past-due accounts. I opted to do that as it made sense and would work best for my budget. The plan would be my regular monthly payment of $554.53 with an additional amount of $92.43 each month for six months. Here is the part that doesn't make sense. I set this plan up on September 29, 2025. Once it was in place, I made a payment of $646.95 immediately. That payment was not applied to the first payment of the plan that I had just set up.

This company should be out of business. They do not process claims and continue to state they have submitted a complaint. If you try to pay off auto loan they state that there is a 30day $ amount limit allowed to pay - i.e. I want to pay off loan of 15k, they will only allow you to pay 10k in a 30day period. If you pay more than minimum payment they apply extra to interest and Steal your money. When you call to have it adjusted they just file a complaint and say they will look into but nothing is ever adjusted.

They hold people's money hostage. DO YOU NEED EVIDENCE for the purchase? Y'all are a joke. NEVER BANK WITH THESE PEOPLE!!!! THEY RUN foreign scams, hire illegals and steal your identity. Horrible bank fees, bank employees, horrible hours and the WORST ABSOLUTE WORST AT GETTING AMERICANS TO HANDLE THEIR ACCOUNTS. Half the people don't speak English. It's all done through India and out of country.

My Interest rate is at 26%. I've been paying for 3 years almost, paid $18,000 of my $20,000 loan yet I still owe $21,000. I've only paid interest so far, none of it has even gone to the principal. I got my car repossessed, and they will not give it back even though I've paid so much money already. They are never on the same page with each other. And forgot about getting an english speaking person, they all sound like they are in or from India, you have to repeatedly ask them to repeat themselves. I wouldn't recommend these people. I feel robbed. A $20,000 loan turned into a $40k loan. They are crooks.

We bought a car with Santander as the lender. After having issues with the car it was brought to our attention we were missing pages from our contract. After they sent us a copy of the contract we were indeed missing the last 3 pages with the last page having our signatures on them. After contacting santander they had no issues with the car lot signing our name to documents and then not providing them to us. Interest rates are stupid high and they are obviously ok with the dealership committing fraud.

Santander has been an absolute nightmare to deal with. My auto loan was paid in full on 12/30/2025, yet weeks later they still have not released the electronic lien/title to the Florida DMV. Despite multiple calls, Santander representatives repeatedly insist on mailing a loan satisfaction letter, even after being told by both the Florida DMV and my new lender (Navy Federal Credit Union) that paper letters are NOT accepted and that Santander must release the title electronically. They either do not understand the process or refuse to listen.

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.

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.

I would not recommend Santander for anything. I had an auto loan with them. The interest rates are high, the daily interest is ridiculous and they don't tell you about this either. I began the process of refinancing in October of 2025. They said that my bank sent them a check that was no good because the account number was wrong. They never sent it back to the bank as they told me they would. In the end I found out that it was discarded. We are now into December of 2025 and I have dealt with over 50 phone calls to them all different stories every time. We finally finished up. I will never ever take anything from Santander again or deal with them again and I highly recommend that nobody else deals with them. They're horrible.