Santander Consumer USA Reviews 

Would be nice to have an app so I can log in quickly

Worst customer service every time I call they just say call us after few days and we’ll give you result and no one even speak English perfectly and always having problem with their PROTOCALL they can’t do this or that so please if anybody leasing car with them please don’t or else you will regrade

I'm paying more interest than what my car is worth and my credit score is as credit karma would say fair, I shouldn't be penalized for being a first time buyer with a fair credit score. Currently looking to get out of this loan because that's straight up robbery

The Agent that spoke with me was very courteous during the complete call which lasted around 7 minutes. I called to double check my payment date I requested for later date each month that coincided with my funds. I did not want any issues with my Auto pay. All Is good ready to go. The agent made everything easy I received my answer. Said goodbye. I would recommend if you are shopping for a loan to check out SanTander Financial
Best Regards,

UPDATE: August 18, 2026.
I have been contacting Santander and you hold on 30 minutes and then they hang up.
I just wanted assurance that they would take all 3,000 of my back payment and not give me the car back. As I previously stated I NEED the car to attend my doctor’s visits which are numerous. I am paying the money now, and I pray that they won’t back stab me. I have had a problem securing employment because my disability requires accommodations.

Right Now These Bad Reviews Are Scaring Me Half To Death . I Just Purchase My Car Through Them From Kia A Week Ago In Tennessee Did I Make Mistake? I Also Received Email Today Create Account & You Can Not. All Of This Is Worrying Me

This website is terrible.
Everytime I need to do something is a stress. I am trying for days to setup autopay on a loan and there is no way to do it.

I need your help with one of my claims through my insurance that was paid to you, and I would like to reach you , not on the debt collection phone, They do not have the knowledge, So do yall have an email address , My account has been locked for months so they couldn't help there either, So I've been with you since 2022 , Also another claim I have but have not received early 2026.Can you please help by not putting the phone number to debt collection,

Dallas and Scott was amazing, they did what they could to get me into the car i wanted.

Worst interest rate possible even with a decent credit score and payment history. Won’t make this mistake again. Typical dealership behavior getting perks to assign people to this company!

Hey everyone check out their fake office copy & paste! This would be another reason for no one to use this company, But let me shed some light on their fake response- In 2023 I bought a new 2023 Chevy Silverado custom off the sales floor with 12 miles on it- had a 530 Credit score and because the finance department at Maher Chevy wasn't in bed with companies like this one-they secured a loan with GM financial for 12.5% and fast forward to now and 21.9% with this crooked company and have excellent payment history and a 615 credit score....tell me how does this make sense to real working class people!

Oh----and found this out after digging.......

Reports, settlements, and lawsuits indicate that Santander Consumer USA has engaged in predatory lending practices, particularly within the subprime auto loan market. A multi-state investigation led to a $550 million settlement in 2020, based on allegations that the company intentionally approved high-interest loans for consumers who were likely to default.
Key details from investigations and settlements include:
High-risk loans: Santander was accused of knowingly placing subprime borrowers into auto loans with a high probability of default.
Misleading disclosures: The Consumer Financial Protection Bureau (CFPB) found that Santander engaged in deceptive practices by not clearly disclosing the terms of its loan extensions. This led to consumers accruing thousands of dollars in surprise interest charges.
Insufficient monitoring: The company was cited for failing to adequately monitor car dealers that falsified borrower income information.
Credit reporting inaccuracies: In 2020, the CFPB ordered Santander to pay a $4.75 million civil penalty for furnishing inaccurate loan information to consumer reporting agencies.
Loan forgiveness and restitution: As part of the 2020 settlement with 34 attorneys general, Santander agreed to provide millions in consumer restitution and waive hundreds of millions of dollars in outstanding loans.
Changes in practice: Santander stated it has since "strengthened [its] risk management across the board" and improved its underwriting practices to ensure affordability.
It is important to note that most of these allegations and settlements specifically concern Santander Consumer USA's past subprime auto lending practice

Note: to Santander Customer service and auto loan department-you still may have time to remedy this- you know my number, like you said in copy and paste- Have a nice day!

Thanks for having me thanks for being understanding and listening and thanks for helping me out I really truly appreciate y’all.

This is the WORST customer service experience in my life. Good luck trying to accomplish anything except listening to a myriad of robot voices. You will NEVER speak to a human being. I wasted 14 hours over the course of 6 days trying to get ahold of human being at Santander. I finally decided to stop making payments and notified the organization I would NOT submit any more payments until a rep calls me. If you are trying to purchase a car and the dealership mentions SANTANDER - by all means pick up your belongings and run away. This is the WORST customer service experience in my 65 years of life.

Your website is having issues and I cannot sign up for online banking. This is day three of attempting to create account to do online management of my account.

Customer service rep. Walked m e through the steps to create my account. Made is so easy. Thanks

Non existent customer service that will not help me log into an auto loan account that has had the same password and was not changed. They told me to call back in 72 hours which also did not help. If my rate was not 1.9 percent I’d just transfer the loan.

Kane, my assistant was very polite and very helpful. I was finally able to get my account setup after a week and a half trying to get it setup for online account.

My experience was perfect! Mr Lamar was a great player, he was a good communicator and was very knowledgeable of that field of work! My confidence was low on arrival but after sitting with him, he made everything worth coming! He is a standout!! I appreciate the support!

I have a Santander lease for a vehicle that was totaled 63 days ago. The insurance company has been trying to pay off the loan for 40 days. Santander customer service is awful, it's all outsourced to representatives in India. Every week, they say they will fix the problem within 3-5 business days. Insurance sent me proof of payment that cleared 13 days ago, and Santander says they haven't gotten a check. Meanwhile, I'm still making payments on a vehicle that has been totaled for two months. Supposedly I will get a refund...that should be fun to chase down.

Had faith in me thank you.

We had wonderful support help from a young man who assisted us with signing up for autopay out of our checking account. We were struggling to do everything ourselves but he walked us through every step of the way. We could not have done it without his excellent and patient help. He was simply wonderful!