Santander Consumer USA Reviews 

I had vehicle financed through their company that was totaled in May my insurance check was coming in between 5-7 buisness day's my payment was do on the 27th of the month and I called and asked about this and I was told I should be fine because it should be within a few days of payment. I see this month which is September that my credit score has dropped to 650 behind a loan so I'm thinking someone has hacked me and I find out its Santander for 60 days late. I had no bill in the mail like I would get each month, no phone call for late payment. I called and the representative told me that they had reached out and gave the last four digits of the number I did not know so I asked for her to give me the whole phone number. They had been calling my job had put this in for my main contact number, my question why was mail no longer used when you billed me this way all the time and I still have not got an answer. I just want everyone to check your credit score every week bc to me they did this purposely

The man was very helpful and patient with me.
He made the experience easy and helpful.
I wish more people on the phone calls I have to make were as professional and courteous as this man was. Thank you

Horrible credit terms for a 700+ credit score (9.5%) for 60 month term. No one at Parks Toyota bothered to ask my husband if adding me to the loan (800 credit score and breadwinner) would offer better credit terms. I immediately called Santander on Monday morning (after completing the sale Friday 7pm) and was told the loan was funded by Parks Toyota but when I called Santander they had no record and I was unable to stop financing. This is being reported to CFPB and I am also refinancing with my credit union for a 5% interest rate. I also explicitly stated we would not accept financing terms with a prepayment penalty and was told by the finance manager and Kyle Carter that there was no PPP but that was inaccurate as the terms show a penalty for prepaying within 6 months. I am going to pursue this aggressively as I work in the financial industry and know my rights! Shame on all of you!

Absolute worst customer service and inability to perform a basic ACH payment process. I spent hours on the phone in frustration - I wish I'd never used them.

UPDATE: I see that Santander has responded with a "call this number" suggestion - thats the number I've been forced to call countless times already, so I dont think I will be doing that unless I absolutely have to. I will concede that out of the myriad of customer service reps and supervisors I have spoken to, 1 supervisor was well informed and helpful.

Highly recommended.

Customer support and service.

Website is great

The approval was fast. The details of the loan agreement were cleared and uncomplicated. Ways to make payments appear easy and convenient l.

What a terrible company!!! All customer service is out of US and speak horrible English! They know nothing and have no info when you need it. The new chat systems make you sit on hold forever and the countdown only goes up! Crap company, crap service, crap help. Go else where!!!

I had a very nice gentleman helping me out very patient helping me reset my account and walk me through it step-by- step . Thank you

I don't care for this company at all,I was told when I acquired the loan that any extra I payed would go towards the principal, which I have made my payments on time and paid extra each time I paid I still get charge interest on the extra I pay and it doesn't go all towards the principal, bad thing is even though I pay extra I still have to make a regular payment even though I pay extra,this is like having to pay a credit card my credit is awesome had an awesome score but my 2nd loan I'd awful. I suggestion stay away from this company.

The gentleman that helped me his name was SAZAL he was so very nice very professional and had my situation resolved quickly. I appreciated him.

⭐ Very Poor Experience with Santander Consumer USA

My recent experience with Santander Consumer USA has been extremely frustrating.

On Friday the 18th, I made a payment at 3:19 p.m. using PayNearMe, the payment service Santander uses to process payments.

I later contacted Santander because my account was still showing as past due. I explained that the payment had already been made, but no one could locate the payment or explain where the money was.

What has been even more frustrating is the communication with Santander. I was asked to send proof of payment by fax so they could investigate the issue. In 2026, it is extremely inconvenient that, in order to send documentation for a payment, the only option they provided was fax instead of email or a secure online system where documents can be uploaded.

As a customer, I should not have to resolve a problem between Santander and PayNearMe when I made the payment through the payment system provided to me.

The payment still has not been located or credited to my account, and I am now concerned that Santander may try to charge me a late fee for a payment that I already made.

I expect Santander to investigate the transaction, locate the payment, properly credit it to my account, and remove any late fees related to this situation.

This has been an extremely frustrating experience, and the lack of an efficient and modern way to communicate and submit documentation has made what should be a simple issue much more difficult than it needs to be.

I had customer service worker Shaivam employee number 442704, I have been struggling logging into your guys's new account. Aunt have called multiple times without being able to get this figured out. When he picked up the phone I was only on the phone for 10 minutes. He stayed with me for every question was understandable, Patient and help me all the way through. I was very grateful for him

Santander Consumer call centers are suspicious. I called Santander Consumer USA 3 times this month; each time I called, it sounded like the same person with an accent. The 3rd time, I asked to speak with someone who spoke English fluently; I was told there was no one available, hmmm. The representative had a regional accent. I had to keep asking the Rep. to repeat themselves - it was frustrating. I get that banks and companies outsource their calls to other countries, but they need people who can speak English w/o and accent; Santander Consumer USA, this includes YOU!

Terrible service, They put on hold and then silently transfer the call back in the queue, so you have to explain your issue again and again. TERRIBLE CUSTOMER SERVICE! Agents have 0 Subject matter knowledge. When in doubt go to answer is disconnect call or wait for final bill

Polite and professional

The worst company. Car was a total loss and I had GAP that Santander claimed to have sent the information over to but did not. Santander left me having to go through hoops to get in contact with someone to tell me who my GAP claim was even being handled through only for me to find out THEY NEVER SENT THE INFORMATION over. So now I’m screwed out of my GAP payment because I couldn’t get the right documents in within 90 days.

I can’t wait to be out of this Loan. This is a horrible company in more ways than one. The app is awful, you can’t understand the customer service agents, they don’t provide anything other confusion and frustration when trying to get important things handled. I would NEVER recommend them, hopefully they get bought out by competent people.

easy to follow instructions to set up account. Call center was very professional and courteous