I had a terrible time(@30 minutes) before being able to talk to a person. I had tried to use on-line banking and it changed to Dovenmuhle rather than SANTANDER. I downloaded Santander app and it was... See more
Company replied
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Review summary
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Reviews shaping this summary
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 sy... See more
Company replied
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 uni... See more
Company replied
Representative sounded like she was drunk or high on drugs. Kept repeating herself. I finally asked if there was anything else she needed since I already had my answer. Finally said goodbye to her and... See more
Company replied
Company details
Written by the company
Santander Consumer USA Inc. - Specializes in automotive financing for dealers and consumers. We offer a wide array of finance and auto-related products plus a robust loan servicing operation. Part of global banking leader Santander. Through its Drive®, RoadLoans® and Santander Auto Finance brands, Santander Consumer USA Inc. offers automotive financing through a network of dealer partners. Our finance programs help consumers with a wide range of credit situations purchase quality vehicles.
Contact info
P.O. Box 961245, 76161, Fort Worth, United States
- (888) 222-4227
- www.santanderconsumerusa.com
2.3
Poor
278 reviews
Replied to 99% of negative reviews
Typically replies within 24 hours
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January 19, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Donna! Thank you so much for taking the time to provide your feedback and we appreciate your business. If you have any questions or concerns, please don't hesitate to give us a call at 888.222.4227. Have a great day!
Financing through Santander has been a…
Financing through Santander has been a headache. Setting up the online account was difficult and confusing, and getting help was frustrating. For a large bank, the process feels outdated and poorly supported. I would not recommend them based on my experience.
January 18, 2026
Unprompted review
Reply from Santander Consumer USA
Hello there! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Thank you so very much for your…
Thank you so very much for your kindness and help.
January 13, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Tommy! Thank you so much for taking the time to provide your feedback and we appreciate your business. If you have any questions or concerns, please don't hesitate to give us a call at 888.222.4227. Have a great day!
Horrible!
Horrible!! I can't even make a payment because Santanders system is so messed up!
January 14, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Cyndi! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Car payment
I sent my car payment on the 5th of january,2026 and a week later it was sent back to my bank so then I had to resend it today the 13th of january,2026 which makes no sense and was a waste of my time and could have costed me a late fee and or a bad report to my credit bureau
January 13, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Mary! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
payment ahead of due date
Customer should be given a choice to pay for monthy payment a few days or a week before the actual due date.
That option is not there.
It is frustrating !!!
January 11, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Arun! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Have a great day!
Interest Rates are ridiculous!
Interest Rates are ridiculous!! Basically buying 2 cars!! Its absurd and greedy!! Definitely looking to refinance ASAP
December 19, 2025
Unprompted review
Reply from Santander Consumer USA
Hello PJ! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Have a great day!
Thank you, Pamela, for the quick response! We have sent your information over to one of our specialists and someone will be reaching out to you within the next 24-48hrs. Have a great day!
Frustrating website
The website kept giving directions to go to MyAccount but that never showed up no matter what I did. This one of the most unintuitive websites I have encountered
January 8, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Robert! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Terrible Online Service
After you create an account on your website, it will not let you log in again! I have been paying on my loan for 5 years and I still cannot get into the website. I have called customer service seven times asking for my monthly bill to be mailed and I still have not yet received my paper bills! I will never finance a vehicle through this bank again! 😡
January 3, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Karen! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
LOST MY PAYOFF CHECK
I submitted a payment check for my car payoff, following the company's instructions. The company received the check, credited my account, and then reversed the transaction. They never contacted me to explain the reason or to provide notification. They claim my check was returned, but it has been over two weeks, and I have not received the check. This is unacceptable.
January 2, 2026
Unprompted review
Reply from Santander Consumer USA
Hello Armando! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. We have sent your information over to one of our specialists for review and someone will be reaching out to you within the next 24-48hrs. Have a great day!
I paid off my load and there was a…
I paid off my load and there was a small $330.00 ish overpayment that was returned via check. The check was misplaced and is now stale dated and customer service said they would reissue the check. That was over a month ago and now I cannot speak to a live person.
November 7, 2025
Unprompted review
Reply from Santander Consumer USA
Hello Joey! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
This company falsely reported to my…
This company falsely reported to my credit that I was 30 days late on a payment when I was not.
Payments due on 18th of each month.
I paid on the 4th.
There has never been a 30 day late Payment.
November 9, 2025
Unprompted review
Reply from Santander Consumer USA
Hello! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
I've been locked out of my account…
I've been locked out of my account after talking to 2 different people trying to setup automatic payment.
December 20, 2025
Unprompted review
Reply from Santander Consumer USA
Hello Val! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
Please read before financing a car through Santander
I know some people might read this and think I made a bad decision, and that’s fair. I’m not writing this review to argue with anyone or avoid responsibility. I’m sharing my experience so that others don’t rush into the same situation I did.
I financed a 2024 Ford Mustang through Santander. My credit was not perfect, but it also wasn’t terrible. I put $5,000 down, had good income, and was approved quickly. What I didn’t fully understand at the time was that the loan came with a 22.56% APR. That number was never clearly explained while signing. The entire process focuses on excitement—driving the car, feeling accomplished—until paperwork is placed in front of you and you’re rushed to sign.
My monthly payment was over $900, and after months of paying, I realized I was mostly paying interest. My balance barely moved, and I still owed more than $35,000. It honestly felt like I was working hard every month just to stay in the same place financially. At one point, my on-time payments also stopped appearing consistently on my credit report, even though I was told everything was being reported.
I fully accept that I signed the contract, but approval does not mean the loan is fair or reasonable. Looking back, I should have walked away, bought a used car, improved my credit, and waited. That option isn’t exciting, but financially it makes much more sense.
After improving my credit, I refinanced with another bank at under 10%, and the difference was huge. The stress disappeared, and it showed me how damaging this loan really was.
I’m posting this to warn others. Please slow down, read every number, ask questions, and don’t let excitement push you into a decision that can follow you for years. If this helps even one person think twice, then it’s worth sharing.
December 26, 2024
Unprompted review
Reply from Santander Consumer USA
Hello Sumeet! We appreciate you taking the time to provide your feedback. Please keep in mind that the type of loans that we offer are simple interest which could be very beneficial depending on how payments are being made throughout the life of the loan. Please click here https://santanderconsumerusa.com/learning-center to check out our "How Simple Interest Contracts Work" video in our Video Gallery. We hope this helps at understanding simple interest. Anytime you feel a payment isn't affordable, or an APR is too high, you have the option to reject the offer, or you can try and negotiate the cost of the vehicle with the dealership directly. We hope this information helps for any future purchases. Have a great day!
The gentleman was very helpful and…
The gentleman was very helpful and answered all my questions to the best of his ability. Thank you!!
December 17, 2025
Unprompted review
Reply from Santander Consumer USA
Hello Holly! Thank you so much for taking the time to provide your feedback and we appreciate your business. If you have any questions or concerns, please don't hesitate to give us a call at 888.222.4227. Have a great day!
Title problems
Recently refinanced my truck through Santander. In Missouri, the original title is kept by the vehicle owner and the lienholder is named on the face of the title. When the lien is satisfied, the lender sends a lien release. Santander received my title and will not send it to my DMV without some form being faxed to them from the DMV. I have bought and sold dozens of vehicles in my life and have never went through this. Santander will eventually be named in a class action suit by all the people who they have held titles for. * Cue automated response from Santander requesting I call their title team. Just to get in front of that, I have already spent an hour of my day on the phone with them and it does no good. This is going to be a long process of talking to people in India who cannot tell me where my title is.
December 15, 2025
Unprompted review
Reply from Santander Consumer USA
Hello Chance! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 888.222.4227. Please review your email at your earliest convenience. Have a great day!
They keep gatekeeping my loan contract…
They keep gatekeeping my loan contract and promissory note for me to submit my gap insurance. I have been reaching out for 3 weeks and they keep telling me to wait a week for this document that they have NOW. I have paid off the car and they still will not provide me the documentation needed for me to get a new car. The worst customer service they will not provide results. They will answer your complaints with generic messages and will not try to resolve issues. Please avoid doing business with this company because they will not help and the AI chat will not provide results just will give you a run around about the issue.
November 24, 2025
Unprompted review
Reply from Santander Consumer USA
Hello Bri! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. Trustpilot has sent you an email requesting additional info, or you may contact us at 877-222-4227. Please review your email at your earliest convenience. Have a great day!
Unable to log in
Unable to log in. I set up my account and followed all of the instructions. I was sent a passcode and it wouldn't work. I was resent another passcode, that too did not work and now I am locked out.
December 13, 2025
Unprompted review
Reply from Santander Consumer USA
Thank you for the information, Tiffany, and we apologize for the delay. We have sent your information over to one of our specialists and someone will be reaching out to you within the next 24-48hrs. Have a great day!
System update needed
This company needs a better contact system such as emails, fax number and phone number.
September 5, 2025
Unprompted review
Reply from Santander Consumer USA
Hello Tbreeze! Thanks for taking the time to let us know your thoughts. We appreciate the feedback, and we'll be sure to pass this over to the right team. Have a great day!
Reply from Santander Consumer USA
Hello Paul! Thank you so much for taking the time to provide your feedback and we appreciate your business. If you have any questions or concerns, please don't hesitate to give us a call at 888.222.4227. Have a great day!
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