Wrong loan amounts nearly $4000.00 more…
Wrong loan amounts nearly $4000.00 more than dealer agreement
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.
Wrong loan amounts nearly $4000.00 more than dealer agreement
I can not get logged in
Very easy accommodating and giving hope to those that were victim of circumstances. Thank you.
This company was rude and Repossessed my vehicle with no warning. they refused to work with me although I was willing to pay my past amount. they told my pay at the full price of the vehicle or nothing. I will never work with his Company again. If I see there name I will walk away. I understand I defaulted but at least work with me or attempt to. interest was outrageous and they seemed to eager to take the vehicle. I will report these people to the better business burro if they don't work with me and will tell everyone I see to stay away
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★.
You sent me an email that doesn’t show as important. I’ve NEVER heard of you before. 15 days later my lease is delinquent. Not a single piece of US Mail. HOW WAS I SUPPOSED TO KNOW. I had already provided bank account information to Tesla… apparently you never received it. UPDATE: received a call today from a very helpful person who said she was in the executive office. Started with a sincere apology. Double checked my information and it turns out that somewhere between Tesla and Santander, my house number was wrong. They had sent a statement but it was returned as undeliverable. She also confirmed that my payment (made yesterday) had been processed and that the account is current. She went on to verify that no negative credit information had been reported. Well done!
This bank doesn’t care about their customers, they only care about their F-K money. And stealing it.
Paid off car in December 2024 has not and will not electronically release title and has disabled my account can't contact
It’s a struggle for many days to use their website.. wasted time and energy just trying to log in to their online account
This is a company with NO humanity at all. GREEDY! This was my 2nd car I bought thru them, first one paid off. They got paid by my car insurance and GAP. It wasnt enough, I still owed $2,200. I chose NOT finance with them on a new car due to the RUDE people in their call center. Calling me "sir". I am a female, no transgender here. They laughed, getting their jollies from pissing off a customer! What fun that is! They got paid $23,000 from my insurance. I still owed, and they ramped on me, took my credit score into the toilet. Calling me at all hours, texting, emailing and mail. even tho this car was paid off 5 years ahead of time, they still harassed me endlessly even tho I told them to STOP! I struggled to make car payments on my new car along with this wrecked car. Accident cases take months to settle, so they added late fees. I asked them to remove it now that the case is finally settled and I can pay off what I owe. and NEVER do business again with them! They decided not to take off the late fees. Bye bye forever and I will tell everyone I meet not to finance thru them!
Me siento complacido y agradecido por la atención y creo que seré un cliente fiel a futuro
I called twice to set up my account online, but it tells me my email is already connected to an account. I tried to reset my password, but it tells me my account is locked. I spoke with a rep, and they tell me there is nothing they can do. All i got was we are sorry. So I'm stuck with no online account
This has to be the absolute WORST banking experience I’ve ever had to deal with. My vehicle had been totaled and they have been insanely difficult on getting my insurance the information needed to pay off the loan. Finally after weeks of no response from Santander my insurance finally gets the paperwork they need and issue the check to pay it off. But now I’m stuck in limbo waiting for anyone competent enough apply the check towards my account. Now I’m stuck paying money towards a totaled car every month until someone can fix this. I have had my autopay setup and they gladly pulled the money from my account but then tell me that I’m past due. So now I’m losing money on this car and this bank is going to ruin my credit because they can’t properly post the money I paid ON TIME to my account. Their customer service is little to no help at all. The website is horrible and provides very minimal information. I would avoid having to do business with this bank at all costs !
Got an email to set up an account. Filled in the information, got a 6 digit security code. Entered the code, the website didn't proceed. Just spun and reset. I'm a little concerned this was a scam because the welcome message also used the wrong car, but eventually it let me log in and set up autopay with the correct car on the 3rd attempt. It's fine.
I was locked out of my account and the woman I talked to was very helpful of getting me unlocked
I just got with this bank, but I’m so blessed that they gave me a chance. I will not have one late payment!!!
They were nice and professional. Explained things and easy and Quick.
I spoke with customer service and they are the most professional group of people you would recommend to everyone you know too do business with. I have 2025 Silverado Trail Boss and Santander owns the loan. All your questions and concerns are very satisfactory and if you feel you didn’t quite understand they break it down to your level of understanding. No one is felt out of order. Before ending your call your are definitely satisfied and at ease.
I have been put on a spam list after getting this loan. I am anxious to refinance with another lender.
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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