Santander Consumer USA Reviews 

Salesman professional and friendly. Listened to my wants and needs and located the perfect car for me. Process was smooth and I am extremely happy with my experience. Especially my new ride. I’ll be back and refer my family and friends. Thanks so much. Payment affordable. Yeah!!!

I financed my truck in 2022. I paid on it for 4 years before I traded it in. I was never 30 days late on any payment. Because the dealership took over 30 days to pay the truck off they put a late payment on my credit.

You call them and no one is helpful or speaks English. I will never do business with Santander again.

Pure garbage. DO NOT LET THEM FINANCE YOUR AUTOMOBILE!!!!! You’ve been warned.

I just want tank you gor give me the loan and trust me on me. I promise that buou wont regret, and i will be always be grateful for you help and trust.

They were very understandable to the situation ! It doesn’t get any better with these guys! Thanks for everything 🙏🏾

The lady helped me through the setting up acct process and was amazing!!
Thank you for having great employees!!
Regina Cox

12:20 PM (0 minutes ago)
to me

My experience with Santander Consumer USA has been an absolute nightmare. I would not recommend this company to anyone.

I paid off my auto loan approximately 11 months early, yet Santander took an unreasonable amount of time to properly process my payoff. Despite receiving my payment, they reported late-payment information to the credit bureaus, which negatively affected my credit. I find it completely unacceptable that a customer can fulfill their financial obligation early and still have their credit damaged because of delays and poor handling by the lender.

Trying to resolve the problem has been extremely frustrating. I have spent countless hours calling customer service, being transferred from one representative to another, and receiving inconsistent or incorrect information. Communication with the call center has also been extremely difficult at times, and it often seemed that representatives did not understand the account history or know how to resolve the issue.

This situation has caused me unnecessary stress, damaged my credit, delayed the release of my lien/title, and created additional financial problems for me. I should not have to suffer these consequences after paying my loan off early.

Santander needs to take responsibility, investigate how my payoff was handled, correct any inaccurate late-payment reporting with ALL three credit bureaus, and provide written confirmation that the corrections have been submitted.

This has been one of the worst customer-service and financial experiences I have ever had. Based on what I experienced, I cannot recommend Santander Consumer USA.

Excelente servicio

For some reason I can not set up my account through the app. It keeps saying it doesn’t recognize my account. That sucks because I shouldn’t have to go through an email everytime I want to get on my account.

I went with daughter to purchase a suv, I didn’t wanna co sign but I did. My daughter and son n law was deployed to Hawaii. I sent all their information to get an extension until I get things together. They lied to me for 4 months saying they never received papers. I started making her payments. She was 2 months behind while relocating. They charged it off but I’m still making payments and still have the suv but they always add fees. My payment is $513.00 but on app it’s showing I’m 66 days behind but I owe $1949.57. I’m not behind . Even 66 days don’t total up to almost $2000.00

I have had an extremely frustrating experience with Santander Consumer USA while trying to buy out my Tesla lease.
I have repeatedly asked basic questions about the cash buyout process, including where I should send my payoff. When I specifically asked whether the address shown on my buyout quote was the correct address for sending the payment, I could not get a clear confirmation. For a large financial transaction, this lack of clarity is unacceptable.
I was also given a phone number and specifically asked whether it was for another Santander department. I was told that it was, but I later discovered that the number simply routed me to LeaseEnd.com. That was extremely misleading.
Santander repeatedly directed me to LeaseEnd even after I explained that I intended to pay cash and did not need financing. Tesla separately confirmed to me in writing that I should work directly with Santander for the buyout.
I have been sent back and forth between Santander, Tesla, and LeaseEnd, with different representatives giving me different information. No one seems willing to take ownership of the situation.
For a financial company handling an important transaction, customers should be able to receive clear, accurate instructions from the beginning. This experience has been extremely disappointing.

Too complicated! So many steps to set up an automatic payment. That makes it very confusing. Even the phone number I called had so many options before getting to a representative. As soon as they answered, there was a pause then laughing.

It is impossible to sign up for or even find my account and customer service has tried for 2 weeks to sort this out. How am I supposed to make a payment when Santander cannot even find my account! This company certainly seems like a scam, setting a person up for failure. Next stop, calling the BBB and any financial regulatory body I can find to make a formal complaint. Shame on you!

I DO NOT recommend this company. Do your homework! During covid, due to shutdown and lack of a paycheck I requested to put 2 payments to the back of my loan. They ran through some automated BS and had me verbally agree. BIG mistake!!! They extended my loan with MORE interest. EXTENSION is different that putting a payment to the rear of your loan. They are argumentative and unprofessional! In the end THEY owed ME $

I am a new customer and I am unable to log on to my account when I called to try to get help, I was told it will be 3 business days before IT can help me.

Waste of my time.. Trying to reach these people on the weekends you would think someone is trying to pull their teeth. As my Mom used to say.

I love this bank they have always been true to me and helped me out when I was in Mexico. They are affiliated with Bank of America. They are amazing. Every bank is amazing if you respect them and respect yourself. I unfortunately dealt with a dealer in Van Nuys that did not respect me and I got trapped into this deal at a really high APR and can’t afford to pay it off yet. But that’s no one’s problem but me. Santander even has credit counseling. All banks do. That’s also amazing. We love banks! They help us get around!

I truly love this company! I was so happy know that we were able to get with Santander. I look forward to proving our credit worthiness and hopefully in the near future lower my monthly payment. This company has been so good to us in the past and we look forward to working with them again! I highly recommend this company!! Gloria B

Update: the state of Missouri received the title on September 2. I want to reiterate that this is NOT the correct process for state to state title transfer in Missouri. They also made my life miserable for SIX MONTHS.

I have been fighting Santander Consumer USA for SIX MONTHS over what should be a routine state-to-state title transfer, and I am absolutely furious.

I moved from Florida to Missouri and needed Santander, as the lienholder, to provide the documentation required to title and register my vehicle in Missouri. On March 10, 2026, I faxed Santander Missouri Form 5834, properly completed, signed, and notarized. On March 16, Santander returned that exact form to me, signed and notarized by their own representative, with the box checked stating that my title was held electronically.

You would think a company whose business involves financing vehicles could handle a state title transfer from there.

Apparently not.

On May 4, after I began chasing them for the necessary title documentation, I was specifically told it would be emailed to me WITHIN AN HOUR.

It never came.

I continued calling. And calling. And calling. I was hung up before even speaking to a rep multiple times.

I received conflicting information depending on which Santander representative I happened to speak with. At one point, I was actually told Santander had NEVER RECEIVED MY REQUEST.

I have a form that SANTANDER SIGNED AND NOTARIZED on March 16 in response to that request.

So clearly they received it.

Eventually, Santander gave me another explanation: they were supposedly going to contact Florida, have the electronic title converted to a paper title, and have that title sent directly to the Missouri Department of Revenue in Jefferson City. I was told this could take approximately four to six weeks.

There were TWO problems with that.

First, THAT IS NOT WHAT MISSOURI TOLD ME SANTANDER NEEDED TO DO.

Missouri gave Santander two options: provide me with the title itself or proof/receipt of the title, OR provide me with a letter on Santander letterhead explaining why they would not provide the title or proof/receipt of the title.

Santander did neither.

Secondly, SANTANDER NEVER SENT THE TITLE TO JEFFERSON CITY EITHER.

The "four to six-week" timeframe has long since passed.

Not a single time during this entire six-month ordeal has Santander sent the title to me, sent me proof/receipt of the title, provided the required letter explaining why they would not send it, OR actually sent the title to Jefferson City like they repeatedly claimed they were going to do.

I finally became so fed up that I filed a formal complaint with the Missouri Attorney General.

And what did Santander say in response?

They essentially repeated the same story about having Florida issue a paper title to Missouri.

THE TITLE STILL WAS NOT SENT.

Think about that. I escalated a routine title-transfer problem all the way to the STATE ATTORNEY GENERAL, Santander formally responded by saying what it supposedly intended to do, and then I STILL did not get the title transfer completed.

I have done everything asked of me. I obtained the Missouri form. I completed it. I had it notarized. I sent it to Santander. I followed up repeatedly. I contacted the DMV. I documented my calls. I waited through Santander's own estimated processing time. I explained exactly what Missouri required. I filed a complaint with the Missouri Attorney General. I have had to have two state inspections so far and will likely require another before this ordeal is over.

What exactly is the customer supposed to do after all that?

The constantly changing information has made this infinitely worse. Don't tell a customer a document will arrive within an hour if it isn't going to arrive. Don't tell a customer you never received a request when your own notarized signature is sitting on the returned form proving otherwise. Don't insist you're going to send a title somewhere it isn't supposed to go—and then FAIL TO SEND IT THERE ANYWAY.

If you have a Santander auto loan and plan to move to another state, DOCUMENT EVERYTHING. Save every form. Keep your fax confirmations. Write down dates. Keep copies of everything Santander signs. Take notes during every phone call. Do not assume that because a representative tells you something has been handled, it actually has been handled.

Better yet, if you have a choice, do NOT use Santander for your vehicle loan in the first place. I certainly never will again.

I STILL do not have my Missouri title transfer completed. My registration expired in May and I have a useless vehicle sitting in my driveway.

Absolutely unacceptable.

We are not paycheck people, so sometimes our money comes in a little bit late. But we know that it's coming. And Santander is excellent about not charging us a late fee. The simple interest is as fair as there can be. And I don't see any. Problem dealing with this company. Their rates were the best I was offered.

The Gentleman I spoke with was very helpful and informative. He is very nice and spoke to me like a friend.