Santander Consumer USA is a financial services company that specializes in consumer lending, particularly auto financing and personal loans. The company provides retail financing solutions and works with dealers and consumers to facilitate vehicle purchases and other consumer credit needs. As a subsidiary of Santander Bank, it focuses on serving the U.S. consumer lending market through various financial products and services.
Santander Consumer USA receives mixed feedback from customers, with both praise and criticism present. Positive notes frequently include payment, easy, account, help.
Critical feedback often cites account, company, santander, worst. Overall sentiment is balanced at 2.6 stars based on 60 reviews.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 2.6 | 60 | 100% | +0.2 | ● Low |
Monthly average rating from reviews written by people · latest review Aug 2025.
| Month | Average | Reviews |
|---|---|---|
| Apr 25 | 3.1 | 12 |
| May 25 | 1.8 | 9 |
| Jun 25 | 3.4 | 9 |
| Jul 25 | 2.5 | 13 |
| Aug 25 | 2.4 | 17 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Great site, easy to navigate and most information readily available”
“One customer service person says it goes back ACH to the checking account used”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Electronics & Technology.
| Company | Overall | Legit | Website & app | Service | Value | Trend | Reviews |
|---|---|---|---|---|---|---|---|
Santander Consumer USAThis company | 2.6 out of 5 (poor) | 100 out of 100 | 2.1 out of 5 (poor) | 2.3 out of 5 (poor) | 1.0 out of 5 (poor) | — | 60 |
| 4.1 out of 5 (good) | 100 out of 100 | 4.1 out of 5 (good) | 4.6 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 | |
| 4.5 out of 5 (good) | 100 out of 100 | 4.3 out of 5 (good) | 4.8 out of 5 (good) | 4.3 out of 5 (good) | — | 1,060 | |
| 4.7 out of 5 (good) | 100 out of 100 | 3.5 out of 5 (good) | 4.6 out of 5 (good) | 4.9 out of 5 (good) | — | 1,000 | |
| 4.0 out of 5 (good) | 100 out of 100 | — | 3.7 out of 5 (good) | — | −1% | 1,000 |
Bottom line: Santander Consumer USA is #5 of 5 on overall rating in this group. On value, DigitalLicense scores higher (4.9 vs 1.0).
60 reviews of Santander Consumer USA. Filter by what matters to you.
Over a year ago
1) Collected 3,385.00 of my money plus went every where to see where I got my money. Then came and removed the car and said maybe the bank got it.
Over a year ago
No one can explain why a refund takes 35 to 60 days to get and how you will get it. The original vehicle deal was unwound. All the paperwork was done to unwind the deal which occurred shortly before... See more
Over a year ago
Following up on my previous review. They are the worst of the worst steer clear. I made a horrible mistake of taking out an auto loan with them because I had no choice. Just to give you an idea my rat... See more
Quick answers to the questions people ask most.
Santander Consumer USA is a consumer finance company that provides auto loans, personal loans, and retail financing services. They specialize in helping customers finance vehicle purchases and other consumer goods through partnerships with dealerships and retailers.
Santander Consumer USA offers auto loans for new and used vehicles, motorcycle financing, RV loans, and retail financing for consumer electronics and other products. They work with dealerships and retail partners to provide point-of-sale financing options.
You can make payments online through their website, by phone, by mail, or through automatic payments. They also offer a mobile app for convenient payment management and account access.
Customer service is typically available Monday through Friday from 8:00 AM to 8:00 PM Eastern Time, and Saturday from 8:00 AM to 5:00 PM Eastern Time. Hours may vary by department, so it's best to check their website for specific service hours.
You can contact customer service by calling their main number at 1-888-222-4227 or by logging into your online account to send a secure message. They also provide customer support through their mobile app and website chat feature.
Yes, you can typically pay off your loan early without prepayment penalties. Contact customer service to get your exact payoff amount and instructions for making the final payment.
Contact Santander Consumer USA customer service as soon as possible to discuss your situation. They may offer payment assistance options, loan modifications, or alternative payment arrangements to help you manage your account.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Polarized pattern: few middle ratings. 35% of recent reviews are 4–5★ and 55% are 1–2★.
1) Collected 3,385.00 of my money plus went every where to see where I got my money. Then came and removed the car and said maybe the bank got it.
No one can explain why a refund takes 35 to 60 days to get and how you will get it. The original vehicle deal was unwound. All the paperwork was done to unwind the deal which occurred shortly before the end of July. One customer service person says it goes back ACH to the checking account used. Another says it’s by check. Which is it? The account shows a zero balance. Then on 08/25/2025 (Monday), I get a threatening collection letter dated 08/21/2025 (Friday) that says I need to pay the last 3 payments— which, by the way is the amount of the refund. Your computers should never have sent that letter because the account had a zero balance days before. It’s obvious they don’t talk to each other. This is why I think your customer service is terrible.
Following up on my previous review. They are the worst of the worst steer clear. I made a horrible mistake of taking out an auto loan with them because I had no choice. Just to give you an idea my rate was 20.02%. They are absolutely a predatory lender. I sold my car to Carvana in June 2024.They sent a payoff to Santander. Santander accepted the payoff closed the loan, released the title and sent me a paid in full receipt. The loan was closed on my credit report. Two months later I start getting late notices from Santander. Carvana shorted the payoff so I called them and asked them about it. They indicated they sent the full amount and even sent me a receipt. Meanwhile Santander REOPENS the loan on my credit and reports two late payments for Sep and Oct even though I sold my car and they told me it was paid off in June. Finally filed complaints on Carvana and they came back and said it was their mistake and they would send the money. I have all of this correspondence so I sent it to Santander obviously it was Carvana's mistake. I sent it to the executive resolution team and they refused to do anything. I have sent multiple follow ups to the executive resolution team and they don't even respond to my email. Steer clear of this company unless you want to pay thousands of dollars in excessive interest and your credit ruined. DO NOT BORROW FROM SANTANDER!!!
Bad experience, they are different groups, which not communicating internally
I created an account online and it wouldn't let me log in. It immediately locked me out. When attempting to get my account unlocked, I was advised that I couldn't be helped until the next day because my account was just created. All I want to do is pay my bill online. NOT talk to a customer service rep.
Our salesman Shawn Streeter worked very hard to make this deal happen for my daughter and I and we appreciate his patience and commitment.
signing into this website sucks balls
I really needed help with changing the date of my car payment she was more than just help she was able to change my due date to the date I needed I needed to know where to pay my bill gave me my acct #then I can pay close by and sending all info to my address thx
I need to talk to a customer service representative about my account. I have not been able to thru your phone system. I am very concerned about my account an the inability to speak to a rep. Please call me at 512-809-1987
The site is overall complete and simple/basic to set up. Great site, easy to navigate and most information readily available. A critique is, your methods of payment, you should supply the name/address /phone number for those of us who choose to use OUR own banks bill pay to make payments, other than that good site.
They lied about everything they said the truck passed inspection that was a lie the windshield was brok
I bought a Nissan back in March 2022.The amount of interest accured after buying the vehicle was twice time the amount before purchasing the vehicle.When you apply for an extension.you pay 6 payments before your monthly payment catch back up.For one year Santander had me locked out of my account.i had to call the finance company for 1 full year.They didn't take responsibility of it was their fault.I kept calling every month.They really wanted to take the vehicle away from me.Please ,please Santander is the biggest rip off Company I've ever seen.I tried getting into another vehicle they made sure the interest rates was so high,the bank wouldn't sale a vehicle to me.The antichrist is tied to all this mess.The matrix,they refuse to sale vehicles to us,they kept interfering with my credit so it wouldn't go over 530.They all in it together the banks are incorporated with the matrix.Santander will repossessed your vehicle in a heart beat.Please don't buy from this company.I am 60 years old I have no reason to lie to anyone.I just wanna save somebody from be so rushful,the headache and ass ache.We don't know what bank give the loan .make sure you ask if it's Santander Customer U.S.A.
Great services
If I could give you a ZERO I would. I have called several times about an issue on YOUR end We paid on time, you cashed our check and didn't apply it to our account and now I get a card and to use it to pay the past due balance we'd have to pay a fee. THIS IS STUPID AND THIS IS THE LITERAL WORST CUSTOMER SERVICE I HAVE EVER EXPERENCED. I HATE YOUR COMPANY. I HATE ALL THE WORK I'VE HAD TO DO TO PROVE AFTER MORE THAN THREE YEARS OF PAYMENTS THAT WE'RE DOING THE RIGHT THING. I put one date for my experience, but there were several others that I could complain about. You suck, I will never use your company again and I would NEVER recommend you to anyone, in fact I will work hard to make sure everyone knows how awful your call center is. Get some competent people who know how to do their job.
This is our second Outlander, and our second time going through Santander Consumer USA. Both times our experiences have been incredible, I cannot recommend Mitsubishi products, or their financing, enough!
Your site is not user friendly. Having attempted to initiate my account, I was immediately locked out due to “incorrect” credentials after three attempts using the information I had just provided.
Santander Consumer USA are the worst of the worst. They take the payment anytime they want; they wait until weeks are gone by then take money. It's usually a dollar or fifty cents short and then your charged with insufficient funds to your account. I tried to make a payment, they said my account was closed and called back, spoke with another agent and Luis too the payment, said I need to add two zeros in front of the account number.
I tried to set up an account to make payment for a new car i purchased. The system will not allow me to create a pin number for such an account, thus not allowing me to make a payment for this new car. I called my local Santander branch in Neptune, NJ and they cannot help me either. I'm going to wind up losing this car because I don't know how to make a payment. I'm so done with this!!!!
The best bank in the Word
You can access your account by visiting their website and logging in with your username and password. If you haven't registered yet, you'll need your account number and personal information to create an online account.
Yes, Santander Consumer USA reports payment activity to major credit bureaus. Making on-time payments can help build your credit score, while missed payments may negatively impact your credit rating.
Typically, you'll need proof of income, identification, proof of residence, and information about the item you're financing. Specific requirements may vary depending on the type of loan and your credit situation.
Santander Consumer USA is a financial services company that specializes in consumer lending, particularly auto financing and personal loans. The company provides retail financing solutions and works with dealers and consumers to facilitate vehicle purchases and other consumer credit needs. As a subsidiary of Santander Bank, it focuses on serving the U.S. consumer lending market through various financial products and services.
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