Santander Consumer USASantander 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.
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Investments & Wealth · Austin, Texas
Excellent
Investments & Wealth · Austin, Texas
Excellent
Investments & Wealth · Austin, Texas
Excellent
Investments & Wealth · The Woodlands, Texas
Excellent
495 approved reviews, newest moderated first
Ricardo K.
Automated system is garbage website has the same process so it’s the same garbage
Response from Santander Consumer USAMay 8, 2026
Hello Ricardo! 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!
Marsha
If your EVEN considering Santander DON'T !!! What a mess for a company !! Thinking about a Class A Suit .... Been on Social Media Trying to get enough Signed up for this !!! Contact me if you have the many issues that so many are having with this Company. First off they need ACTUAL CUSTOMER SERVICE instead of call centers full of people that can't understand you NOR you understand them !! WORSE COMPANY OUT HERE !!!!!For 2 days The site is down and I can't access my account.Calling in all I get are call center employee's that I struggle to understand because their English is not well !! I have been told The site is Glitching then told its updating then told its maintenace going on !!! 2 days of this And No One can help !! Rediculous to say the least !!!!
Response from Santander Consumer USAMay 7, 2026
Hello Marsha! 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!
John H.
The information on the interest rate , length of notes , didn’t explain why note so high and my credit score. Just had me signing without explaining the contract
Response from Santander Consumer USAMay 7, 2026
Hello John! Thanks for taking the time to provide your feedback, and we hate that you feel this way. Please be advised that Santander establishes a 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 additional questions or concerns, please don't hesitate to give us a call 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. Have a great day!
Bryan M.
Your account establishing system is not working. I have it recover my username, it tells me, I enter my username to recover my password, and it says the username is not valid. THE EXACT SAME USERNAME YOU JUST GAVE ME. Update: 58 mins on the phone with Sago and I'm no closer to logging in to my account. I can tell him exactly what the website bug is, but he has no power to escalate or log a tech support ticket.
Response from Santander Consumer USAMay 6, 2026
Hello Bryan! 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!
Eric K.
I appreciate the ability to secure the loan quickly and easily. But the dealer told me if I paid off the loan in full within the first month there would be no interest charged. First I was not permitted to pay more than $12999 online and then I was charged an extra $100 for something.
Response from Santander Consumer USAMay 6, 2026
Hello Eric! Thanks for taking the time to provide your feedback and we hate to hear about any miscommunication. The type of loans that we offer are simple interest loans and interest starts accruing the day a contract is signed. 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. If you are looking to pay off your auto loan. Please click here https://santanderconsumerusa.com/support#/articles/where-do-i-mail-payoff-checks----2d6bb74e-fab1-4cda-9b62-622fccdf77fe to view payoff address info. If you have any additional questions, please don't hesitate to give us a call at 888-222-4227. Have a great day!
Stuart S.
Not at all impressed. To opt out of information sharing, I was instructed to go to my account online. When I did, all that was available was the privacy policy itself. There was no option to opt out. Then I called the support number, and an operator I could barely understand told me I had been automatically opted out. However, the instructions in the Santander intro packet specifically said I had to opt out intentionally. When I raised this disconnect, the operator was clueless about what to do. I am not happy with Santander. They're all hat and no cattle, as the saying goes.
Response from Santander Consumer USAMay 6, 2026
Hello Stuart! 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!
Skip R.
Santander was very helpful and gave us a great rate. 2.99%. The dealership made an error on our loan that didn't get caught until 16 months into the loan. Santander was great about working with us to resolve the issue. We ended up having to get another brand new (2025) car. Santander pre-approved us without even applying again and even gave us a 3.49% APR. I did give a 5 star, because Santander did an incredible job of fixing the problem. I highly recommend them.
Response from Santander Consumer USAMay 5, 2026
Thank you so much for taking the time to provide your feedback and happy to hear we were able to help! 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!
Margarita De J.
I recently tried to set up a new account with Santander Consumer USA and had a very frustrating experience. I spoke with four different representatives during the process. During two calls, I requested to speak with a supervisor multiple times (at least eight), but my request was repeatedly denied, which ultimately led me to end the call. On a later call, I spoke with a representative named Mohit, who was professional and explained that wait times for supervisors can be long. He attempted to assist before escalating, which I appreciated. My date of birth was put incorrectly in the system and that's what prevented me to set up an account. They want me to send them my drivers license, but don't they have that already? However, the overall experience was inconsistent and difficult. Based on my experience, I cannot recommend Santander Consumer USA due to poor customer service and lack of proper escalation support.
Response from Santander Consumer USAMay 4, 2026
Hello Margarita! 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. Please review your email at your earliest convenience. Have a great day!