Santander Consumer USA Reviews 290

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! 😡

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.

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.

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.

I've been locked out of my account after talking to 2 different people trying to setup automatic payment.

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.

The gentleman was very helpful and answered all my questions to the best of his ability. Thank you!!

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.

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.

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.

This company needs a better contact system such as emails, fax number and phone number.

GREAT! Very good experience.

They were Wonderful and Expedient! They worked verywell with my finance person at Napleton Maserati Andrew.
Best experience purchasing a car!

Mobile app sucks and won’t even let me log in. Or send me codes every time I click resend it never does.

The website was very easy to download and use to scan through.

I’m back once again family. Financed my vehicle purchase and Santander Consumer USA is my company once again. Thanks for providing financial services to my for my purchase. Created my new account information today. The process is easy as 1,2,3. Done

It was easy & fast very simple and straightforward.

When I tried to create an online account, it would not work & I was immediately locked out. So, I tried to call customer service, waited for 45 minutes for someone to answer, only for the line to disconnect. Tried again and the line seemed down. Their website chat was useless, too. So, I sent a check to pay my loan off and received an email saying I need to log into my inaccessible account to confirm my mailing address for final reconciliation and so I can get my title. Not sure why they need my address again since they sure knew where to mail the bill. Now I'm just crossing my fingers that they mail me my title since it's impossible to reach a human. The absolute worst customer service I've ever experienced. Absolutely incompetent company & I'm genuinely shocked they're still in business. I will never in a million years ever do business with them or a dealership that does again.

this companies and there affiliates chrysler capitals lack of consumer well anything is appauling to say the least. have an issue with the vehicle and dealership and kept them in the loop and informed them of the deceptive and fraudulent practices and defective vehicle and they do nothing. since august ive informed them i never signed the contract whats there response they sent me an identity theft pamphlet and this didnt come from the customer service group IT CAME FROM THE EXECUTIVE OFFICE GROUP. after i do everything that the customer service group manager said i needed to do tells me "im sorry you were misinformed". so i send them proof and the ceo as well proof of the fraud committed by the dealership it went unnoticed and THE EXECUTIVE OFFICE wouldnt even open the said email refusing to acknowledge the fraud committed which violates not only moral but federal guidelines as it pertains to consumer protection. but they dont care that was apparent by the reply that was made to the cfpb complaint i filed where they posted my contract unredacted with sensitive information showing to the public complaint disclosing my personal information for all to see. STAY AWAY FROM ANY DEALERSHIP THAT ENCOURAGES THE USE OF THIS LENDER OR AFFILIATES. they prefer monetization from you and your data then you as a consumer and the protection of your data