Santander Consumer USAReviews of santanderconsumerusa.com

Consumer BEWARE this is a very predatory lender. THE WORST FINANCE COMPANY i have ever dealt with. They don't have "customer service " all they have is agents who are strictly collection agents. They're not there to help their customers in any way. Only thing they're interested in is your payment point blank

In 2024, I purchased a 2020 Honda at CarMax in Chicago to use for my livelihood. Despite having a good credit rating and being a loyal, returning customer with a perfect on-time payment history, Santander USA hit me with a shocking 16.98% interest rate. Because I drive for a living and needed the vehicle immediately, I felt forced to accept these predatory terms. Paying on time or paying ahead means absolutely nothing to this greedy company. They use a deceptive online payment system designed to trap you. When I tried to make extra payments toward my principal balance to stop the daily interest from compounding, the system gave no option to do so. When I called customer service, it was a nightmare: The first representative gave me completely incorrect information. The manager I spoke with refused to offer better rates or terms, never once thanked me for my business, and told me, "You are OK because you always pay on time."To actually pay down the principal, the manager forced me to jump through hoops, requiring me to set up an automatic payment and then manually make an extra payment on that same day. Update (May 2026): Through immense personal sacrifice and strict financial discipline, I used my Social Security checks to make eight aggressive payments of $2,000 each. I have officially PAID OFF this loan and eliminated my debt, saving myself from their predatory daily interest charges. Santander USA targets working-class Americans for profit. While their loans are easy to get, they are an absolute ripoff designed to keep you in debt. Do not finance your vehicle with this bank—find a local credit union or save money and pay cash instead.

If I could give Santander zero stars, I would. Their my account.santanderconsumerusa.com is totally useless if your account has been paid in full, as you will have no access whatsoever to your account info. Their 800 numbers are just as useless, as you will never access anyone. If you enter your last 6 digits of your SSN or your account number and they are not found, you will not be connected to anyone or anything. You will enter your info over and over and nothing will happen. Santander is pure trash. After two days of almost 3 hours trying to contact a live person, I finally was able to talk to one person who is an absolute 5. His name is Winner (did not get his #), and he was incredibly helpful. He was abkdd we to locate my account (that the mechanical person could not), took the time to listen to my request, and to get to a positive resolution. I have been having a very trying time this past week, and was fortunate that Winner answered my call. I was able to have my issue resolved, after being told last week that it would by somebody else and nothing had been done. AI may be the rave, but sometimes a live real person makes a huge difference in the experience we have as consumers. The response contained the same useless number I had attempted several times and where the only response is an automated voice that takes you NOWHERE. The response gets a DOUBLE ZERO!

When I called to speak to a customer representative about my account they instructed me to call back because they were having problems accessing my account. When I called back later in the morning, I would just get disconnected"?"

I want to set up my account but your system is silly.ill wait

HARD TO SIGN UP

HORRIBLE!!! Please avoid at all cost. TESLA, please dont do business with tI cant even enumerate what is wrong because everything about the company is bad!

I guess this company purchased my auto loan from LendingClub. There was no communication, no customer service. Had I not just happened to notice that the payment didn't get auto drafted, I would have missed a payment. I ended up trying to initiate contact and ended up finally getting my auto pay set up. Their system wouldn't allow me to auto set up a higher payment or a principle payment. My loan pays off in a few months and I will not use Santander. To the company, if you want to leave a reply that is fine. I am NOT taking time out of my day to contact you. I am not responding to any communications from you. You had your chance and blew it. If you want to know how to do better then maybe hire someone to help you.