Santander Consumer USA Reviews 

Y'all are amazing I love that yall very nice an very helpful Cecilia castello your number one and we will be seeing you more love vandergrift Chevrolet

Thank you very much for helping me set up my account. The 2 Customer Service Representatives were most helpful, courteous and friendly.

Have a nice day!

Santander Consumer USA — Extremely Disappointing Experience

Santander has been one of the worst financial companies I have ever dealt with. Their interest rates are outrageous, and when you are going through a serious financial hardship, they do not seem willing to work with you or provide meaningful solutions.

I recently experienced a medical emergency and am currently out of work after having a kidney transplant. I contacted Santander to explain my situation and requested a deferment because I am temporarily unable to work and am dealing with significant medical and financial circumstances. Unfortunately, I was told they could not provide a deferment or offer me a reasonable solution.

What was even more frustrating was trying to communicate with a representative who I had difficulty understanding because of their limited English. During an already stressful and serious situation, I needed someone who could clearly explain my options and help me find a solution—not make the situation more frustrating.

I eventually told them that if they could not work with me, they could come pick up the car because I am not going to put my health and peace of mind at risk stressing over a car payment while I am dealing with a major medical situation.

My advice to anyone considering Santander: Think twice before financing a vehicle through this company. I understand that people sometimes need secondary financing when they are trying to get a car, but there are other options worth exploring. I would encourage people to shop around, carefully compare interest rates and terms, and make sure the lender has reasonable hardship options before signing anything.

I would not recommend Santander based on my experience. When someone is going through a serious medical and financial hardship, you would hope a financial company would at least try to help find a workable solution.

This company is absolutely terrible and I would avoid doing business with them at all costs!!! I have been paying off an autoloan on time for 2 years using my banking account and all of a sudden they blocked my banking account. Ive tried calling customer service but they just give me the run around and blame my bank. I spoke to the bank and they confirmed that it’s not on their end. I tried to speak to a supervisor and Shun (Employee #101119791 ) hung up in my face after waiting on hold for 30 min. So they’re essentially trying to force me to use their “paynearme” service that charges an extra 4 dollars per payment which might not be a lot but I’m already paying them thousands of dollars in interests.this is ridiculous and predatory and I will be contacting a lawyer. Also spoke to Rain (Employee #129234) who was also no help.

I would have given five stars if there was any way to converse with a LIVE person. I have questions and they do not respond to, “leaving them a message”. Other than lack of human touch, this company could be great.

0I've been receiving late payments since I got the car I've sent in 2 checks at one time one says car payment the other says late fee but they didn't put it towards the late fee , the car 13,000 the book value is half of that , I've paid in almost 18,000 that's 5 thousand more that I agreed too but they also want another $9000 which would make it be $27,000 for a 2016 chevy malibu lt , I went too the court house n they said take them too court ,n will assist me with all the proper paperwork but they also said too send santander a release my title letter which will be soon, this company is a scam n if I don't get the title soon, when I get in court I'm suing for alot more that the car title, all the money over, court costs, ect and what ever the judge will give too the max n I've already called that number several times too only get put on hold , then they hang up ! Your email n phone number means nothing at thus point I'm taking u too court , I just checked my email, no email from them at all more lies that I can show the judge too help my case so thanks for lying about some email but u have the info u need

I would not recommend Santander Consumer USA based on my experience.

My account is currently in good standing and nearly paid off. I contacted Santander regarding a recent credit-reporting issue and attempted to resolve it directly. After getting nowhere through normal customer service, I escalated the matter through the CFPB hoping someone with actual decision-making authority would review it.

The response was extremely disappointing. Santander denied the requested relief, provided no identifiable person or meaningful escalation channel to discuss the decision, and ultimately directed me back to the same general customer-service number that had already been unable to resolve the issue.

My biggest problem is not simply receiving an answer I disliked. It is how difficult Santander makes it to reach anyone empowered to exercise judgment or meaningfully review a customer concern. Even after a formal CFPB complaint, the process felt like another layer of scripted customer service rather than an actual escalation.

After this experience, I would not voluntarily finance another vehicle through Santander.

I keep having a late fee every month a $30 late fee and I keep paying it and they say that it won’t be on the next bill, but it keeps being a recurring thing every month

I have financed several vehicles through Santander and it has always gone smooth. Dont be late or you will hear from them until you pay. But have been there for me when I needed them always.

Takes way to long to remove funds from bank account.

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.