Santander Consumer USA Reviews

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.

Account locked and tech support never supported me, I would give no stars. They don't support you. Just keep you on the phone long enough to want to close your account. I wouldn't open an account with them ever again.

I hate this bank. I don’t know why I switched from the bank I was with in the first place. I closed my accounts with Santander over a week ago I was told by a representative that need more training that the accounts will be closed in 2 business days. One account did close but one remained opened because it had a small balance left when I was told the balance would be sent to me in mail. Then after closing the accounts they allowed somebody to come in the account to take money then told me it was nothing they can do to get the money back. Then also charged me a paperless fee last month. When I called to close my accounts you usually will get get questioned why are you closing your account and is there anything we can do to fix it. A bank that’s not concerned about why I no longer want to bank with them. Says a lot about them. I don’t need to bank with a business that’s not concerned about me leaving after these little bit of months.

I paid off my auto loan in full on July 3, 2024, and overpaid by $933.44. It has been 503 DAYS and Santander still hasn't refunded my money despite repeated promises. Timeline of Deception: June 24, 2025: Santander sent me a letter ADMITTING they owe me $933.44 overpayment. Multiple phone calls: Agents repeatedly promised checks were "already mailed" but REFUSED to provide tracking numbers. 10+ chat sessions: Same story - checks allegedly sent, but no proof whatsoever. CFPB Complaint #**: Filed with Consumer Financial Protection Bureau. November 18, 2025: Sent formal demand letter via email.

I financed a 2015 Honda Accord for $21,186.35 with a maturity date of June 15, 2027. Santander Consumer USA does not provide monthly account statements on my online account, which has made it difficult to understand how my balance is being calculated. As of today, Santander lists a total balance of $14,654.63 with a past-due balance of $11,903.72 due November 15, 2025. According to the payment history previously shown to me, I paid a total of $15,977.15 between November 16, 2021 and October 22, 2025, including a $1,050 payment on October 22, 2025.

I need to preface this by saying that while I had a terrible experience with the dealership where I bought my car, I believe both the dealership and the lender share equal blame for predatory lending practices. When purchasing my vehicle, my mom co-signed with me due to my less than perfect credit (which I've been actively working to repair). Despite my mom's near perfect credit score, the dealership claimed they could barely secure financing and pressured me into accepting a 17% interest rate. Looking back, I realize almost any bank would have offered significantly better terms with my mom as co-signer. They're experts at manipulation.

I have been out of a job for 6 months and I just got a job. I got a repo text just yesterday and as soon as I called them and tried to make a payment arrangement they were rude and unprofessional. I even told them I could pay cash in two weeks. They repoed my car yesterday when I was in the store and my purse and person ID everything in the car and when I called to find out where my car is they told me I had to call back tomorrow. TERRIBLE RUDE and UNPROFFESSIONAL.

I purchased a car from Santander in Feb 2016. I paid off the car in April 2025. I have tried to call them 6 times on releasing the lien. I want to sell the car. Because I don’t have an account with them anymore they have no record of me. Tired of pushing buttons and not talking to a real person. Might have to hire an attorney.

I am affected by the government shut down and they have no options you get. A customer service rep on the phone and they want to set up a payment plan. Ask they how are you suppose to do that with no pay check and then they ask again the same question. Are they that stupid or is the company that uncaring and crappy that they won’t help people. I wish I could post the phone call just to see how bad their service is.

Chrysler sent me to a Debt Collector recently. Chrysler uses Santander Consumer USA Inc for financing of their cars/trucks. I have never missed a payment and in September of 2025, the USPS box I placed my out-going checks in had been broken into and all the mail stolen. I heard almost a month later from FedEx that I was behind on payments. When I tracked it down, I learned 5 payments were all missing as well as the other tenants in our complex. So, Chrysler/Santander sent me to collections for missing one payment. Then they tell me to solve this problem in the future, I should go into their website to look to see if my payment was accepted. Their communication employees are in India, and very hard to understand when they talk fast. I won't be using these companies again. Customer relations suck!

This company is not incompetent, it is vicious, unethical, and should be banned from US. Endless games to pass the buck to someone else, play delay games, pass the call to supervisor and hang up the phone, having a site that purposely does not work around payment times, so you can charge late fees and pretend you don't know what you are doing; not providing an email address so you purposely drop calls, or send callers to illiterate overseas agents who cannot speak English and are purposely trained to frustrate callers. SHAME ON YOU SANTANDER, SHAME ON YOU.

This is not the first time Santander did not take my payment and process it over the phone and then blame me. But this time they locked my acct but they didn't say I couldn't pay any bills. They said no one would get into my acct. Anyway the credit card I paid was to a Santander Customer Service Rep and was to be taken out of my Santander acct. I was already verified as me that is why they agreed to take the payment. A month later I am getting emails and phone calls which I was told to be cautious about since attempts were made on all of my credit cards, all the 3 credit bureaus, phone calls, emails, and etc... So when I got phone calls from Santander and didn't find the phone numbers in the computer I thought it was a potential scam.

I DON'T RECOMMEND SANTANDER FINANCE... READ ALL.. Do not use this company; it is the worst. If I could give them zero stars, I would. This company does not work with customers. Santander absolutely fails as a financial company! This is one of the worst companies in the world. The first time I used them in years for financing cars, and at the dealer, they told me I could refinance after 6 months so my interest rate could go lower along with my monthly payment. But the worst thing I found out recently is that out of my monthly payment of $764, only $200 goes to the principal cost of my car, and the other $564??? When I realized the amount that goes to my principal and saw that my car amount did not lower at all, I decided to contact Santander Finance.

Updated on 10/23/2025: Me and wife went to car lot in Lexington to pick a car out and we want a Challenger or Durango but they put me in a Durango RT. They sent to me this bank and the bank wanted a 1,149 a month for a 2019. Also I tried giving the vehicle back after I purchased it because the payments were too high and the monthly payments was supposed to be 837 a month! I even told them I don’t have a license or permit but they gave it to me anyway. The truck had a not for sale sticker on it which was yellow. Also the truck's being in the auction 3 times before me and repoed 3 times. The truck is from Canada. My account was closed and they opened back up.

It is impossible to find a phone number so you can speak with someone. I don't currently have an account, but I did and needed to find information. I never seen worse customer service!! I would recommend choosing a different company for a auto loan.

Every month I would pay by going online through my checking account no problem. A year ago when I tried to pay through my checking account I couldn't. I called my bank my routing and account was accurate and active. I called Santander, they informed me my checking account was an error, and I would have to pay using my debit card (which is a fee)! This has been going on for a year now, they can't give me an explanation, keep lying and hang up while holding for hours! I asked an agent to connect me with a manager, put me on. Never came back. Now I'm taking matters to a higher level! The fee to use a debit card adds up especially if this has been going on for a year! Just imagine how many other customers they are violating.... To be continued!

I've never spoke with a more unhelpful customer service department in my life. They have no idea what they are saying and clearly go off a generated script. They will do nothing to help you or assist you and even refuse to put you on with a supervisor. Then they hang up on you after you've been on hold for nearly 30 minutes.

I rate my experience with this company a 0. Customer service is okay if they can understand your without asking you the same questions over and over. This company will not offer you assistance in any situation. They only say make a payment. Make a payment but noooo help at all and Empathy is not an option. If you can get financed somewhere else. Take it with open arms.

First, this review is about Santander Consumer, NOT Santander Bank. In August of 2024 I purchase a vehicle at a local dealership. I was financed through Santander Consumer. The interest rate was higher than I would have liked, but I had some credit issues, so I accepted the loan. Things were fine for almost a year. Then, in August of 2025, Santander reported me as being 30 days late to the credit reporting bureaus. I was not. I only realized this via an email from Experian. I called Santander immediately and asked for the false report to be corrected. They said they would have to do an inquiry.

I give zero stars, but it won't let you submit a review without at least putting one star... I financed a $25,000 car a year and a half ago have paid $14,000 on this car and they say I still owe $24,200 on this car. Blue Book for this car is only $16,000 currently. Nothing has gone to the principal except for $800 in a year and a half. How is this morally right? How is this ethically right? How is this company still allowed to do business? This company should be put out of business by the better Business bureau because this is wrong. I'm a single mom with three kids and will still owe the same price of this car when I die and they will get nothing... How is this ethically or morally right?

I paid off a auto loan. Cancelled a warranty after and was owed some gap money from dealership. They sent money to Santander not knowing it was paid off. They cashed check and they say I have to wait 30-60 days for my money that is not theirs!! Say that is their policy. Show me where you can hold money on a account paid off!

This place is highway robbery, extremely high interest rate that was not disclosed to the vehicle buyer at time of purchase. They waited 3 weeks before telling us our interest rate was almost 20% which is ridiculous. They won't answer questions. They always say ans report you late even when you are in the grace period of making a payment. You call the US number and you get someone from overseas that can't speak English. This last time I called they told me I had to go thru my insurance to get my interest rate lowered which is not true the person was not from the US. I am highly irritated they have ruined my credit and they won't answer questions. They tell me to keep going thru my insurance. I really despise this company.

I got a $15K car loan with no issues at all. Paid the loan off and Electronic lien was immediately removed. Thank you, Great Bank and the Customer Service Department was Excellent. I would use Santander again.

This is the most predatory lender to ever exist. They exist simply to screw desperate people out of money. I walked into a Nissan dealership with a loan check from Navy Federal, hoping I could put a decent down payment on a car. They said they don't do outside financing, but they think I could probably still leave with a car. After some phone calls, they offered me a deal of $608/month with Santander, which I was EXTREMELY hesitant to accept. I told the salesperson that $608 would be hard for me to maintain long-term and that any minor inconvenience will easily set me behind on payments. He practically twisted my arm, wouldn't take no for an answer, telling me that I could refinance in a year or trade it in for something better. That was a complete lie.

Santander repossessed my vehicle in February 2025 while I was in a domestic violence safe house and fully covered by insurance I had already prepaid. I filed hardship requests, demand letters, and escalations, yet they refused to work with me. Santander ignored the realities of my case and violated basic decency in how they treated a single disabled parent. They caused catastrophic harm — job loss, medical treatment delays, housing instability, and compounded trauma. This is a predatory lender that should be held accountable.