Santander Consumer USA Reviews 

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!

Tried to claim they tried to contact me after wrongfully repoing my car. Only once. Spoke with the lady, she didn’t care. Stay away from this place if you care about your sanity. They wrongfully took my car, refused a payment plan that was told to be ok. Paying 700 a month when I only get 1000 in social security and took my car. Ruined my credit. I later found through various dealerships that they prey on the poor with 33 state wide class action lawsuits one being wrongful repossession practices. I know now.

Cant get logged in to create an account

They didn't find any thing for me

The service representative was very helpful.

It has been three weeks that I can't login to my account. It says that my account is locked due to multiple failed logins and to contact customer service. I have been calling several times for three weeks and no one fixes the issue. My car payment is now late because of it, and I don't trust making my payment over the phone with someone that doesn't even speak English.

I just called now and still no help from this shady auto loaner.

FIX THE DAMN LOGIN ISSUES ALREADY.

And to the Santander employee replying to messages on Trustpilot, STOP LYING TO CUSTOMERS. There is no customer service helping anyone but your own damn pockets.

Customer service was excellent

Incredibly difficult lender. I have a different experience every time I log in. Sometimes I have to log in 2-4 times just to access my account. No matter how many times I put in my cell number, it never remembers it.

It is also extremely difficult to make payments to principal. I've never had an issue with any lender on being able to make principal payments. All of their support team is overseas and does a horrible job of communicating. I was told I could make principal payments over the phone, and I've been on hold for over 30 minutes now being told I can't. I can pay months ahead and pre pay that interest though. Scam of a lender and I can't wait to move my car note off of them.

Santander consumer USA is the worst financial institution I have ever dealt with. They charge you fees by getting you to agree to an agreement that says you may incur fees. Then at the end of your loan they slap almost 2,000 of extra fees on to your account with not a single statement showing how they came to the amount they charged you. Where I lived was hit hard by hurricane ida we had no electricity for over a month. Homes were destroyed, people couldn't work, businesses were destroyed, I was out of work for over a month after losing all my food having damage to my belongings. I called to get my payment deferred and I agreed to the recorded statement saying I may incur fees. Then a month after Ida came I lost my 13 year old son and had to pay for a funeral also. So I was actually out of work almost 2 months. Had to get September and October payments deferred. A year later my daughter passed away and I was out of work again got that payment deferred. Fast forward to about a year left in my loan I noticed that the amount wasn't adding up. My monthly payment and the amount of months left was about 2,000 less then what they was saying I owed with the extra 3 months added to the end of the loan. I called to find out why it wasn't adding up to be told that when my loan ended in June of 2026 I would have a balance of over 1,800 dollars remaining that would have to be paid in full at the time of the end of the loan. That was the first I heard of this amount being added to my loan. So I'm trying to figure out where they got this number from not one person I talked to could tell me how they came up with almost 2,000 worth of fees for deferred payments. I still had to pay the note plus the interest for the month and then I had to pay an extra 1,800 something dollars to get my title. I had been making double payments every month for about 8 months until I noticed I was being charged interest on the extra payment so half my payments was being eaten up by interest instead of the entire amount being put towards my principal only to be told that the only way I can apply my payment to my principal is if I make the payments on the same day so I lost approximately 2,000 of money to interest rather then it being put toward my principal to lower my principal. They never sent me a single statement with the new balance added onto it they never showed me what the fees were and how they got the amount. I highly recommend that if you can finance with another financial institution you do it. DO NOT FINANCE WITH SANTANDER CONSUMER USA they are the worst.

Easy to create my account. Tesla recommended you for my new car loan. I've never heard of you before- I'm impressed!