NorthWestern Financial Review

Santander Consumer USA

Santander Consumer USA Overall rating: ★☆☆☆☆ 1.4 based on 10 reviews.
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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

Santander Consumer USA Reviews

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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