NorthWestern Financial Review

Santander Consumer USA

Santander Consumer USA Overall rating: ★☆☆☆☆ 1.2 based on 14 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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Santander is a finance provider for consumers who purchase a quality pre-owned vehicle through a dealership. The company is owned by Santander Bank, a bank founded in 1857 and based in Wilmington, DE. Their services are available in 48 states. Their APR ranges from 1.99%.

Company name Santander Consumer USA
Founded 1995
Address 1010 W. Mockingbird Lane, Suite 100. Dallas, TX 75247
Phone number
(888) 222-4227
Email  Unknown (contact form available)


  • Works with thousands of dealerships
  • Not immediate decision
  • All credit types accepted
  • A wide variety of repayment methods


  • Not a direct lender
  • A loan origination fee
  • A late payment penalty fee
  • An early repayment fee
  • Not immediate funding
  • Bad user reviews
  • Limited information online
  • A maximum term of 72 months

Bottom line

Santander Consumer USA does not offer any loans directly but through its subsidiaries RoadLoans and Chrysler Capital. Borrowers with poor or no credit may be able to get approved for a loan. But if you’re looking for a lender that enjoys great reputation and is more definite with its terms, compare other car loan options to find the best solution.

Types of loans

Santander Consumer USA doesn’t offer car loans directly but connects you to lenders that offer:

  • New car loans;
  • Used car loans;
  • Car loan refinancing;
  • Cashback refinancing.

Car financing auto loan amounts range between $5,000 and $75,000.

Loan requirements

To get approved, you must comply with the following eligibility criteria:

  1. be at least 18 years of age
  2. be employed full-time part-time / be retired / self-employed / other;
  3. be a U.S. permanent resident
  4. have a driver license (or other photo ID)
  5. have credit score ranging between 650 – 850
  6. maximum vehicle age: 7 years
  7. military status: active duty military / non-military

Category: Online Loans

Tags: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

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Santander Consumer USA Reviews

This company is horrible to use. I brought a car back in 2013 for $11,000. Over the years I paid over $14,000 on the car before volunteering to give it back due to lack of employment for health reasons. They sold the car, wrote off $10,000, reported it to the IRS as a cancellation of debt. I had to pay taxes on it because they filed it as an 1199C and was considered part of my income and they are still trying to collect over $12000 from me. This should be considered tax fraud. After 11 years they are still reporting it negatively to my credit report. Don't use these crooks there are better companies out here that will work with people with bad credit. Santander Consumer company are horrible money hungry company
- khosen

This company is the most user UNFRIENDLY crap to exist. You can’t pay online easily. And every payment option comes with a $3-$10 fee. Making your monthly payments even higher. Their customer service is trash and the phone system sucks. It takes 20mims. of navigation to MAYBE reach a person. F this company. 0 out of 10. WOULD NEVER RECOMEND! They are AWFUL!
- Unhappy

On March 27th, 2015 I started my car loan with Santander, Each 27th of a month I was charged 287.93$ for my car payment. All my payments paid on time with no late fees/issues. Since I open my bank account (2011), I DIDNT change any of my Banking information. All those years my payments received on time and I didn’t receive any call regarding payment issues from Santander. On March 18th, 2021, I noticed that on my Santander online profile I have a late fee of 4.93$. I called Santander customer service and I was told that thanks to my payment history they will process a waiver to that fee and will charge the balance as they always did. On March 24th, 2021, I checked again my online profile to make sure the fee waived and noticed that fee again. I called Santander customer service, and I was told that the reason I saw the same amount again was because the manager views my file and waived the fee. I asked the representative what my balance, he replies 98.77$ and I authorized him to charge my account for the last payment, He congratulates me on my final payment and I understand it a done deal and my account is good. On April 2nd, 2021, I received a call from a Santander representative that told me my car was towed, I asked him why the towing company called him if I paid my car in full, He replies that its taking time to release their name as a lean holder (up to 30 days) and that’s the reason the towing company called him and not me. The morning after I released my car from the towing company and paid them in full. On April 16th, 2021, I received an email that my credit score got decreased and when I logged in to my Credit Score account I saw a late fee with my car payment. I called Santander customer service to understand why (If I already authorized to charge my account for 98.77$) they report a late payment to the credit companies. The representative went over my history and told me that he can see that I always paid on time (Even in 2020 that I was unemployed ) and there’s no manager in to take my call and to try again during the week. On April 22nd, 2021 I called Santander and asked for a manager, Nicole answered me and told me as well that my history looks good, and then she transfers me to the executive manager (because she can’t help me with credit reports), I was waiting for 5-10 minutes, then Nicole got to the phone again and tried to push my complaint to another day or to wait 24-48 hours for a call back from them, I insist and asked to keep waiting and speak to executive manager, after 5-10 someone pick up the call and checked my file.. He said that because they (as a lown company) authorize to charge the same amount only (287.93$) and my balance was different from the amount above they couldn’t charge my account and this is why it became a late payment and that he cannot help me with my complain.
- moran

The company is just a complete scam!! I canceled my Gap insurance 1 year after I purchased a vehicle, and went with another company who had better rates. Santander received a credit statement and had to write me a check or issue a statement credit, but they just stole $500 from me, making me pay interest on them for another 3 years. When my car was paid off, they sent me a $27 check for unused Gap. All my attempts to prove that it was canceled in 2017 failed, they even ignored a letter from my Gap company confirming the cancelation.
- Alex Garcia

Santander will ruin your credit history with just 1 late payment. Their customer service is rude and unprofessional. Never take a car loan through this company!
- Clara Clyburn

They will take your money and your property. They take cars from disabled veterans like myself. Their customer service has horrible and racist.
- Timothy Exley

They are not accredited by the BBB for bad quality service and taking advantage of other people. This is a scam company . If you are looking for a legit car loan from an accredited lender, stay away from Santander.
- Christian Xu

Ripoff company!!! Paying $50,000 for a $25,000 car!!! So unfair! NEVER USE THEIR SERVICES.
- Marvin Cook

Santander Consumer USA is the worse creditor. I had a car loan with them. Yes, I made two late payments due to delayed paychecks. The loan was paid in full since 2017. To my surprise, they ontinue to report late payments to this day! My credit score suffered a lot! It is simply impossible to contact them and fix the problem. This is the worse lending experience in my life. Do not do business with them. And watch out for your credit score.
- Jon Ruffin

They are horrible. Do not finance a vehicle throught this company They are a JOKE!!!!!
- Katharina Green

I will not recommend this lender! The whole process is tricky and interest rate was extremely high. My payment on the vehicle wasn't moving at all as all my payments came to interest. Their Customer Service in very bad. I will never recommend Santander to anyone. I need to sue them.
- Norma Valdez

Their APR is crazy and they do not help their clients after making timely payments to improve their credit history! They are making money off people and do not care at all! Please do not deal with companies like this.
- Robert Green

This is not a fair company. When I purchased my car in 2019, my interest rates was 27%. I think that was VERY high considering I had good credit. I've already repaid the, and still owe loan and it turned out more than the value of the car!!! That's ridiculous. Never use them!
- Kevin Glennon

I had a great experience with Santander. They are very nice to work with I was their client for 3 years and never had one issue…
- Juanita Mojica

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