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.
Santander Consumer USA (santanderconsumerusa.com) has 495 customer reviews on Five Star Index, with an average rating of 2.4 out of 5.
Also known as
santanderconsumerusa.com
Website
santanderconsumerusa.com
Category
Investments & Wealth
Location
Fort Worth, Texas
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 99% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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Horrible website & unable to save payment information! EVERY SINGLE TIME I LOG IN TO MAKE A PAYMENT I HAVE TO RE-ENTER ALL OF MY ACCT INFORMATION! A car I had 6 years ago is still listed on my account - even though it's been sold & that loan was paid off in 2021 - but the inability for Santander to remove this vehicle from my current loan is causing issues! I can't update any contact information & when I called, the representatives don't speak good English at all and can't help!!! VERY FRUSTRATING & I WOULD 100% NOT RECOMMEND them!
Response from Santander Consumer USAMay 29, 2026
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!
SK
Samantha Kat C.
I spent an hour on the phone just…
I spent an hour on the phone just trying to change my phone number, but since my account number has eight digits. I was told my account wasn't valid, so they locked me out of my account. I spent an hour just trying to talk to someone, even trying to bypass the prompts, to speak to a person to update my phone number. I had all of my login information correct, but they blocked my account. To get help, by the time I talked to a real person, as I was having a meltdown and crying over the phone, someone at their bank got me to a live agent to change my phone number and update and refresh the account that they locked me out of. I reviewed my account number, and I had that number, my login information, and everything was correct in my notes on every payment I make. I've never been late, and I usually pay my bill early. The agent I got ahold of helped me so nicely, and I'm grateful that she helped me. My issue is that there HAS to be a way for folks to be able to call in and talk to a person to update or access their accounts. I shouldn't talk to a customer service agent in tears since they're dealing with enough already. I understand keeping accounts secure, but this whole experience was just so totally insane to me, that I couldn't just talk with someone about what I needed to do, that I tried for a hour to reach a person to update my phone number. Not a single bypass of the menu options let me to a person. The first time I got a person, they didn't talk at all, but the 2nd person I talked to handled everything great. Like I said, I've never made a late payment with them, but if this happens again, I might just skip their payment, and go for a shopping spree. Quit screwing around with folks like this. Stop telling them that their account info is wrong when it isn't. I knew my account information, but I feel like I got gaslit by my own car lender...
Response from Santander Consumer USAMay 29, 2026
Hello Samantha! 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!
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Derek D.
Very shady
What a bunch of scum bags ! At a loan I paid on for 2 years not a single missed payment at 13% truck gets totaled in a accident go to finance thru them again same credit score same 9,000 cash down and now they say 19% fuc*ing pathetic
Edit post santander response: apparently they can't read folks same credit score same 9k cash down the reviews tell you everything you know and they feel the need to try to come on here to defend themselves 🤣
Response from Santander Consumer USAMay 29, 2026
Hello Derek! We appreciate you considering us for your financing needs, unfortunately Santander Consumer USA establishes the contract rate based on factors including the down payment, vehicle value, the applicant’s credit worthiness and credit rating. We provide contract terms for the applicant which they can either accept or reject at the time of the application approval. 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. We hope this information helps. If you have any additional questions, please feel free to call our Customer Service Center toll-free at (888) 222-4227. This line is available Monday through Friday 7:00 AM to 9:00 PM, Saturday 7:00 AM to 5:00 PM Central Standard Time and closed Sunday.
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Nate
Terrible company to work with
I have been trying to get the title of my vehicle sent to my DMV for over 3 months. This is quite possibly the worst customer service I've ever dealt with. They decided to send a letter that said they "know I own the vehicle" instead of the actual title even though I told them multiple times that the DMV requires the actual title. Each phone call to this company feels futile. No one has answers only "it takes time to get through the system"
Response from Santander Consumer USAMay 28, 2026
Hello Nate! 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!
JE
Jessie
Terrible customer service
Terrible customer service and impossible to get answers that match what previously was said or told that I could have happen.
Was left on hold for over 40 minutes and then never got back to because it was the end of their business hours and they left me on hold... I called way before the end of their business hours and could have been helped but they didn't
Them saying they’ll mark my review as not genuine is also a reflection of their company. You get told so many different things by different agents. No one is ever on the same page or helpful.
They source their customer support to other countries and the barrier is obvious when trying to communicate and understand them.
Response from Santander Consumer USAMay 28, 2026
Hello Jessie! 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!
JC
James C.
Customer service is terrible
I have made repeated attempts to contact customer service to ask a simple question. I have gotten the "thank you for contacting us, we week get back to you shortly" but nothing else. Calling customer support is a hassle as well.
Response from Santander Consumer USAMay 28, 2026
Hello James! 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!
AM
Amanda
Ridiculous
Ridiculous! We have spent the last 3 Tuesday’s trying to get our registration for jeep . We moved from Texas to SOuth Carolina. The DMV requires a copy of the title with lien holders name on it . They told us the title was under maintence at our state DMV . So we called Tx DMV . She stated our title was mailed to Santander 4 years ago ! So I’ve spent close to 8 hours on the phone with so called supervisor agents trying to get them to even send it directly to SCDMV . So here we are once again sitting out in the car on hold with Santander again , because we can’t get them to send it . Oh wait I forgot they did send a letter to us via email stating we own the vehicle. And of course SCDMV won’t accept . It’s not like we are trying to scam them , we are just people who need to drive back and forth to work everyday . Send it directly to DMV I don’t care . You are costing us money , with tickets , gas time . I would not recommend this company and will be sure to let anyone I know this . Unreal
Response from Santander Consumer USAMay 27, 2026
Hello Amanda! 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!
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Steve
I am not able to set up my account
I am not able to set up my account. I have spoken to 3 customer service representatives and the last person told me that she could not help me and forwarded my concerns to a supervisor. That supervisor was supposed to contact me and nobody has reached out to me. It’s a sad day when a financial institution ignores a customer. I will make sure to review this terrible service on Google and other social media platforms.
Response from Santander Consumer USAMay 27, 2026
Hello Steve! 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!