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Santander Consumer USA

8585 N Stemmons Fwy Ste 1100, Dallas, TX, 75247, USA
(888) 222-4227


Previously owned by CitiGroup Inc as CitiFinancial Auto, Santander Consumer USA offers auto financing online through exclusive dealerships. Customer service is available by mail or over the phone.

Credit Bureau Reporting
Loan Amount$5K - $75K
Payment Options:
APR:Starting at 1.99%
Min APR:
Max Loan Term (Months)72
Checking Account Required?
Lend To Military?
Immigration Status Considered:U.S. Permanent Resident
Minimum Age:18
Verification Documents Required:
Driver license (or other photo ID)
Proof of citizenship/residence
Customizable Payment Dates
Joint Loans Available
No Origination Fee
Pre-Approved Soft Credit Inquiry
Approval Speed (Hours)24
Deferred Payments
No Late Fees
No Prepayment Fee
1-7 days
Same Day
2-4 weeks
Application Fee
Lease Purchase
Institution TypeOther
New Loan
Used Car Loan is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


November 01, 2017

I would love to share my own experience I had with Santander Consumer USA. Cuz of some personal reasons I struggle financially but they are willing to work with you. Bradley Moore, who I appreciate sincerely and thank kindly again! Bradley was very helpful, professional, well mannered and very patient at the same time. I do believe that customer satisfaction is a key differentiator in a sea of other companies or businesses!

October 25, 2017

They are a rip off!!! Never consider them, even if you really need to finance for an auto loan. Be warned!!

September 25, 2017

I’ve paid more than half of my car off in a year. Yet because of errors on Santander’s end, in the same year my car has been repossessed twice. They don’t send any notification prior, just take the car and sort it out later.

September 17, 2017

I bought a 2007 Pontiac, $6000.00 Feb 2016. I made a deposit of $2000.00. I was never late even had it deducted out of my account monthly. I received a letter stating that I still owe $6914.26.,I said that's impossible because I have a statement where I made 19 payments in the amount of $245.07. Why hasn't the principal decreased. I was told that I was being charged 22.9 0/0 daily. I still owe the entire principal I started with after 18 months payment. That I'm on a simple interest contract. They then informed me the car will be paid off in 2022. By then, the car will be 15 years old. This company needs to be investigated by the BBB. They are unscrupulous, fraudulent, dishonest, liars and thieves. No matter how badly you need/want a car. Run from SANTANDER!!! Run like you're running for your life!!!!!!!!!!!! Because you are!!!!!!!

By  Anonymous

September 01, 2017

I started my auto loan in 2013, I had never had a car loan or any credit history at all so I knew I would pay a higher rate. For all of you complaining about that rate, this is how it works: for the first half of your loan you pay more to interest, as it is a loan which calculates on your daily principle. However, when you get to the halfway point, you will find that more and more of your payment goes straight to principle, until the last few payments go almost completely to the principle. Due to a death in the family, I was given a deferment....during that time you will find that you don't make a payment but your interest will continue to accrue. This is basic finance, not a scam. Recently they have gone over to western union to handle their payments, so those "mystery fees" that were actually credit and debit accounting, add then subtract, will disappear. During a deferment they charge you 5 a month for extra admin fees, also reasonable. Since most of the time you call you will get a call center, these people who answer the phone don't know these things and can only send a msg to supervisors. The only reason I know is that I'm a book keeper. That being said, I am sure there are circumstances that can't be explained by this review. All I can say is that with the exception of a scam for "instant delivery" that the dealership tried to pull (which santander helped me straighten out) I have had no problems with this company or my loan. I hope to do business with them again.

August 26, 2017

They scam you. They add extra fees that are not noticed till a lot of careful review. They even add interest to some days twice. I paid a lot in BS. I am looking into these class action lawsuites I heard about them

Money hungry. Worst experience in my life. You pay at least 3x's more by time you pay the car off

We have been paying for a travel trailer for the past 10 years...... they have received ALL of the purchase price plus SUBSTANTIAL INTEREST. Current balance is $16,200........ As the travel trailer is a lousy trailer - the manufacturer has gone out of business... and we have come upon financial and health issues...... we sold funeral plots and offered them $14,000 to pay off the trailer..... this would have in affect paid them $46,375 for a travel trailer that was less than $30,000......... MORE THAN ENOUGH...... We went through telephone calls, emails, etc. and they finally told us to make a formal written request. We did so and never heard back....... We finally contacted them again and they said "it is company policy that we do not negotiate pay-off amounts." We said - so you would rather pick up a travel trailer that is worth less than $1,000 - have it fall apart in transit - NOT receive a total of $46,375 (with the pay-off amount we are willing to pay you) and get nothing because you are forcing us into bankruptcy (and we will use our $14,000 NOW to pay on something else - to someone else) and you will not get any of it? Their answer: SORRY......... It is not like we were asking them to negotiate anything more than about $2200 off the balance of the loan. We have 5 years left to pay on the loan..... The only difference for them TODAY is $2200.......... THIS COMPANY IS CROOKED - AS MANY PEOPLE HAVE STATED......... I will ensure that horrible reviews are blasted ALL over the internet, Facebook, and any other portal that I can possibly find. I hope they enjoy this piece of junk as they pick up the pieces of it as it falls apart on it's way to Dallas....... you can't squeeze blood from a turnip...... and we have nothing else to give...... no savings, nothing............ cancer has wiped out most everything.... and here we are trying to do our part...... SHAME ON SANTANDER CONSUMER USA.


May 28, 2017

I financed a car through Santander USA and honestly it's a good place to start if you have bad credit, need a car, and plan on refinancing the car within a few months to a year after buying it. I can not stress enough however, DO NOT STAY WITH THIS LENDER LONG TERM. They do not allow you to pay on the principal of the vehicle, only on the interest which, is far too high for you to ever actually pay off the car. I have never missed a payment or been late making a payment in almost a year and I still owe almost the entire value of the car. The amount of interest I have to pay on this car is almost as much as the amount I owe on the car. I bought my car for 10,000, I'm paying about 7,000 in interest. Though, I have never made a late payment I have read enough horror stories to make even the most financial savvy person forgo buying groceries for the month just to make the car payment.


April 19, 2017

Hi I pay 745 a month at 19 percent intrest but when I get my bill I pay almost $600 a month in intrest only $150 towards principal I don't understand they just give me bs never a straight answer I'm very disturbed with santander

SHADY, DO NOT TRUST. I have had an auto loan with them for the past 15 months and in the $3800+ I have paid them they applied $2200 to INTEREST, and $1600 to the principal so my principal balance doesnt decrease at the rate it should..... I tried to call and resolve but the reps and managers only make excuses and say what they are doing is not illegal. DO NOT TAKE A LOAN WITH THEM. They also refuse to re-finance the loan and say they do not refinance their loans. and I have been building up credit so I could refinance. so at a 19% interest rate where do they think its ok to put $2200 to interest and $1600 to principal (rounded numbers) I am paying more than the normal required balance and making regular payments on time. This is 100% completely unsatifactory.


April 02, 2017

Good afternoon, I have never bought a car to start. The dealership ran my credit with a fici score of 650 through 10 places and because I have never had a car loan I was denied each time. The last option was this bank. I got the car I wanted at a interest rate that is a little high but resonable to me. I say this because if I was a lender and the person before me hand not established a clear history of credit or owned a previous car I would not help. Today I walked out with the car I wanted. I look at the positives because I know that paying this loan off will increase my chances later on if I ever want a new car and that is a given once the life of my car comes to an end. We may not always get what we want and sometimes you pay the cost to be the boss but the benefits gain and the end result is always the same better options the next go round. Be positive in the knowledge a company financed you when you had no other option. Reflex on why that is and take that blessing as a lesson learned preparing for the next time you purchase a car.

I had a car loan that was bought by Santander USA. I had not problems with their customer service department. Was I late with payments? Yes! Did they call me in regards to the late payments? Yes! Did they always try to help me find a solution to the problems? You bet! In the remaining years of my loan, I must say hat I never spoke with anyone who was rude or inconsiderate. Never! They were always nice and considerate even when they were not able to meet my request!

February 18, 2017

I had a car loan with Santander for almost 3 years. When I decided to switch for a lease and the loan balance was paid off I couldn't use the website to make a stop the automatic monthly payments from my checking account. Unfortunately they drafted one more monthly amount of $325 and when I called them they told me a prepaid visa card will be mailed with that amount in a month. I spend several minutes arguing asking for a check and finally they told me they will. A week after another person called me telling me that is impossible to send a check but that I will be able to get cash from that prepaid card. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan) they want to keep my money for longer time and keep earning fees everytime I use this prepaid car because they will charge it to every business I buy from!!

February 02, 2017

I work in finance and understand how simple interest calculations work. I am shocked to see some of the reviews that I am seeing on here. Many of these reviews start out with...well I was only 15 days behind...or....I lost my job and.....or.....I became sick and could not make my payments.... REALLY? What would any creditor do when a loan is late?? For those who state they hate the high interest rates...ummmmm did you read the contract BEFORE you signed it? Probably not because you were too in love with the new car smell. Listen....if you had to get financed through Santander then you obviously had credit issues. In fact you are lucky someone out there would actually trust you with a loan. Wake up being given to credit worthy borrowers are risky let alone someone that has multiple repossessions or super low credit scores. The bank is NOT going to just give you 3.9%!! You are the credit risk....not the bank. Let's stop whining about high rates and phone calls when you don't make your payment and learn what credit is all about. When I was down Santander helped me when no one else would. Was the rate high? Yes! But....did I get a new car that was safe and reliable? Yes!! Credit works like an old girlfriend. How many times can you break the trust factor and still go out with her? People...take some responsibility. If you don't like risky car finance companies then clean up your credit and go to your local bank. Otherwise....I will see you in traffic just like the other millions of Americans that needed a second chance. Good luck and wake up....


November 07, 2016

I was desperate for a car. Hunday on rt 22 sold me a used car. They scam Santander they sold me a 2014 Hyndai sonata and the interest rate is sky high. I pay 379.00 for a used car and only 15. dollars is being applied to the loan everything else is interest. I have to find a way to get rid of them. DON"T use them they are a bunch of crooks!!!!!!


October 23, 2016

I had issues reaching an agent over the phone, but the chat option is great. I requested a small modification due to job loss and BAM!! It was approved inmediately. Thank You Guys.

September 28, 2016

they charge $5 a day for finance and interest which is illegal, you already have a contract that says that you should only pay 5% or $50 if your payment is late but they are making $20000 in illegal finance charges and interest plus other miscellaneous fees they create which add up another $10000 ($30000 in finance chgs) for a vehicle that only costs $20000, they steal in front of you, they want you to pay $50000 for a vehicle that was not worth $20000, wish dept of justice, attorney general and legal Aid of North West Texas get them out of business and close their doors, they are stealing from many people every where.


August 28, 2016

Santander gave me a loan when only a few others would accept me, and they actually gave me the better interest rate of 18% which is still high but in my situation is not much else to expect. of course I don't buy a very expensive cars like everybody else seems to but they can't afford. I took less than the amount they offered and got a nice car and if you're behind in your payments any companies going to call and look for their money


June 12, 2016

I have paid 15 months on the car loan and $4,000 has been applied to interest and only $1,000 to the principle. I thought the lower the car balance the less interest I should pay. Santander is a scam and I would never get a loan with them again. Currently filing a lawsuit against them.


May 20, 2016

I have just signed a car loan note with Santander and I thank god that there are some banks like these around. Even with a Great Crediable Co-Signer I couldnt get Financed Threw anyplace but this one. I understand and have read alot of the negative reviews as a person that deals in finances daily. The Customer Service may not be highly great but in saying this, When you have a company that deals With high high risk loans like these guys do, you cant allow late payments or derferments, They are here helping all of us get reestablished and giving us all a second chance or in some cases 3rd or 4th chance to correct our credit. Would you if it were your company that deals in high risk loans wanna be the one getting a phone call saying i am sorry i cant pay you this month even though you took a chance on me sorry, doesnt seem right. I by all means knows what it is like to be in a bad situation Financially and know what it is like to struggle, But something to remember when choosing to not make your payment at all or on time, you just dissed the one company that had enough decency to give you one more chance...Keep that in mind all when making complaints about being harrassed for your payment or being harressed about making even a partial payment. These guys could have been like all the rest of the banks and also said NO to us............


April 17, 2016

I had my car loan with this company and I got sick and I coulnt make the payments I told them not to send two of these payments thru my bank and they did anyway so I called them and they said they coulnt do anything I would have to call my bank to get my money back. so tis is what I did, what aa company I would not suggest anybody doing business eith them.


April 05, 2016

I had my vehicle loan serviced by Santander since July 2011 and paid off the loan last month of March 2016 on a 60 month note. I had a terrible experience with them and if you could give a negative rating, I would have. They do not refinance and because they are sub-prime lender, you will likely have a difficult time getting any vehicle refinanced with a third party. That would you are stuck with them until the end. After a $504 monthly payment for the last 18 months of the loan before payoff, they sent the notice of zero balance and title to the co-signatory's address who NEVER paid on the loan! Was going to surprise the wife for Easter with the notice, but they somehow "do not have record" of the primary borrower's address? Interesting how that is after I sent payment with my address posted on both the front of the envelope and the money order for 18 months! They are unprofessional and full of crap. Not only will I never use Santander Consumer USA ever again by I highly recommend others stay far away from this predatory and screwy lender. Not worth the stress.


March 24, 2016

Can someone reach out to me and really tell me about this company. I'm contemplating getting a car loan with them but I'm a little worried from the reviews.


March 24, 2016

for all you people doing business with santanders, WATCH OUT they do creative bank keeping!!!!!! contact you bank commissioners and file a complaint. when they hold your payment until after the due date and add fees is creative bank keeping people


March 22, 2016

I'm giving Santander 5 stars based on the fact that they gave me a loan when nobody else would and I've had zero problems with dealing with them. In saying that, I have to knock them because I'm paying a 25% interest rate and even nearly 2 years into my loan and making $425 payments, the interest for this past month was $278, so only $140 is going towards my principal and like someone else said how they feel trapped, that's how I feel. My principal is currently higher than the cars value and I've been paying on it since July 2014 so ibcant currently refinance it. The reason why I still gave Santander 5 stars is because I DID know what my interest rate was going in, its not like it's a surprise, but I guess I didn't realize just how much that is, I can't knock them for that, they've been holding up their end of the deal.


March 04, 2016

I got a loan from this bank I haven't gotten their paper work but what I understand is you can make "principal "payment to the account this would help the interest go down when the interest is down your payment is still same but more money goes to principals( that how much you own for car) not the interest ..idk if some you guys are inform about paying different payment for principal besides you monthly payment am going to do it am going to keep records n keep you guys up date it if this bank is making fraud I my self going to find every one that has been or still is a victim. We can all file a lawsuit towards this bank..


February 18, 2016

My only issue is that my interest rate is high, but i can't blame them. I consider myself blessed that they took a chance with me and financed a $45000 car for me. With that being said, i am in the midst of finding someone else to refi my car to lower my car payment and interest rate. I haven't had any issues with them. Kinda surprised at the reviews.


April 27, 2015

NEVER AGAIN will I do business with Santander! They are literally the worst company EVER. Around the holidays an agent from Santander called and offered me a deferment. I thought it was normal practice to help out their customers during the holidays. Nope! My deferment offer was apparently denied, even though I never REQUESTED it! It screwed my credit, too!


April 17, 2015

Santander is the worst company ever! I spoke with my loan representative about getting a deferment, and they agreed to it. I guess they didn't put it in the system or something because I got a late notice on a payment. This is now showing on my credit score! They are the worst!!


April 17, 2015

If you have a loan through Santander, be sure to check your account often. After a while I noticed various “miscellaneous” fees on my account. They weren't specified at all, and I have never been late on my payments. They are just fees so the company gets more money.


March 23, 2015

I cannot explain how much of a headache this company has caused me. I am the ideal customer- I make all my payments just before the due date. Their crappy system locks my payment and doesn't process until DAYS after the due date. THEN they charge me with late fees, even though they caused it! Unbelievable.


March 12, 2015

The interest Santander charges is ridiculous! I have been paying them for over two years and still my loan amount is incredibly high. I feel trapped with no way out. I am planning on refinancing soon because I really can't take paying SO much every month and having only a small portion of it go to principle.

I had my auto loan through Santander. I had questionable credit, but they were still able to offer me a decent rate on a loan. Unfortunately, life sometimes hapens and I lost my job and I couldnt afford my car payments for a while. Every time I called their customer service team, they were able to help me make a small payment or other payment options - even when I was 3 months behind! They are a great company that will always work with you!


January 30, 2015

The people at Santander are so inconsiderate. After making ONE late payment, they had the audacity to call my job and while trying to get ahold of me, mentioned my late payment to the coworker who answers the phone. How rude and inconsiderate of them! They also call you a million times a day and refuse to leave you alone.


January 07, 2015

Horrible, horrible customer service! My wife had an issue and contacted them through the customer service line. After various attempts to get past the automated robot, my wife encountered a rude customer service rep. This rep was so horrible to the point where my wife got so frustrated and began tearing up. Never again.


September 30, 2014

Working with Santander has honestly been just one big nightmare. They “accidentally” put the incorrect car in my loan contract, which made the interest and payments higher. Customer service apologized and offered to fix it, but nothing has been changed on my account yet. Worst company ever.


May 12, 2014

I wish in my heart of hearts that I could give Santander Consumer negative stars. Yes, they are that bad. Due to recently losing my job, I got behind on my payments. I let them know right away when it happened. They ended up calling every single person on my reference list, including people I hadn't seen in years. So embarrassing and so awful of a company to do.


May 02, 2014

How hard is it to hire employees that speak English so your customers can actually get some assistance? It is the most frustrating thing when you call customer service, sit on the line waiting for a rep, and then get someone you can't even understand! Why Santander, why?


January 01, 2014

Santander is great when buying a car! Mine recently broke down and I needed a new one. Santander approved me instantly! I even got a pretty good rate, considering my credit score is only average. Their customer service department is pretty helpful too. I'm a satisfied Santander customer.


December 21, 2013

Santander decided to give me a pre-paid debit card instead of a check when they owed me some over-paid money. I didn't opt for the pre-paid card, but got it anyway. Also, it took over 30 days for me to get it in the mail. I even got my title before I got the card!


September 03, 2013

I have to say I've been pretty happy with Santander Consumer USA. I am close to paying off my loan, and so far, they've been nothing but helpful. I needed to defer a few payments over the length of my loan, and they were fine with it. I'd recommend Santander for car loans, and would use them again in the future.


June 04, 2013

Soon after I completed paying off my loan, I realized that I had over paid! Even including interest, I paid a little too much. They also have yet to update my information, so it continues to say that my loan is open and not paid off yet in my credit history.


October 25, 2012

A company doesn't get more dishonest than Santander Consumer USA! I made my payments monthly, and they assured me that a portion of those payments was going towards the principle. Little did I know, they put in a bunch of fees in, and that's where my money was going! They never informed me and outright lied.


October 16, 2012

If you're having troubles with them, don't even bother trying to utilize their online chat feature. I tried to speak with a representative and they obviously have no clue what they're doing. They also are not the nicest people to speak with. They are there to help you with issues on the website, and they do just the opposite.


October 02, 2012

Just an awful company. I was told that I could make my payment a few days late, and BAM! They call me anyway demanding my payment. They have awful communication because whoever told me paying a few days late didn't inform anyone else in the company. I can't wait until I don't have to deal with them.


May 16, 2012

Why is it impossible to get through to a live human being on their customer service line!! I am trying desperately to see when my title will be sent to me, but the automated robot I've been speaking with is no help at all. It seems impossible to get through to anyone!


April 14, 2012

These people have honestly no problem harassing you if you are slightly late on one payment. I needed to pay a week after the due date when something else came up, and they literally called me twenty times in one day. No exaggeration. What company harasses their paying customers like that??

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