My account…
I have tried several times and cannot get into my account
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.
I have tried several times and cannot get into my account
Lots of emails. Nothing that I can have those and bring up a browser on my banking PC to go login and create an account, etc. How hard is it to give a URL or other directions? Even if with some unique code embedded?
It would not take the pass code you sent me so I could not set up my account. It locked me out. Called and got excellent help. Thank you.
I do not have a Jeep Patriot
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.
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Polarized pattern: few middle ratings. 35% of recent reviews are 4–5★ and 55% are 1–2★.
Well it says I have a Dodge Ram something or rather and I am a 70 yr old with a Tesla
I have already set up automatic payment with you in a very efficient, impressive way. So, I thought I was done with all this. Why am I getting emails asking me to do it again? Please check your system before asking again ... So, this review was questioned, for more clarity. I tried to provide that, but I was confused by the Trustpilot response system. Thus, I called Santander to stop any more emails that request me to set up automatic payment. I have already completed that process.
Can’t get my online banking account and can’t reach an operator
I had previously set up my account when I completed the transaction with Tesla. So your email requesting the same was a duplication of efforts and not necessary. My biggest complaint however is the picture that was included in the email request. I found it to be offensive. I live in the United Sates and am an american citizen.
Easy online payment setup!!
I could not log in even though I accessed my info through my phone to be sure. I have been with this company for one week and it has happened twice.
Because it don’t have an app for it
I really appreciate all the help Angel Amonte did for me in order to buy the car I have now. He made me feel like I was home and made me think I made the best choice in my life. If I had to do it all over again, I’d go to the same place and look for him again.
CJ and Brittney was very helpful and made this experience a reality for me and my family. Brittney was a new employee but was very eager to learn. Their team work was excellent service!
Nos atendieron con amabilidad, fue una experiencia bonita poder estar y habernos traído nuestro carro nuevo le agradecemos al vendedor por su paciencia y amabilidad, todos asen un buen equipo y todos los trabajadores se coordinan bien en todo lo que asen y más cuando se trata de atender un cliente, gracias
In their mailed literature, they listed a feature in their web portal that was non existent. I mentioned in a message on the site and I was told I would receive an e-mail reply. Never happened. By calling Santander, I found out that California law does not let residents make their communications privacy choices on line. I had to fill out the paper form under state law. Bureaucracy!
The moment I arrived to Royal Mitsubishi felt like A Royal Queen experience! Everyone and everything was absolutely amazing. I’m so In love with my brand new Mitsubishi eclipse cross. I highly recommend Royal Mitsubishi they definitely have your best interest at heart.
this company is the worst of the worst to get a car loan with. they won't help you if you fall into trouble, and the worst is the loan is paid in full, closed and they won't take it off as a charge off, even though it is paid. this is a disgusting way to do business now ,I have crap on my credit for 7 yrs and they wont budge . it says charge off, and I have a letter from them saying said in full.
Initial first time sign up not user friendly can't sign up for first time can't find company help access info
It won't let me set up an account
Horrible company who preys off of poor people
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.
This profile hasn't been claimed by the business owner.