Santander Consumer USAReviews of santanderconsumerusa.com

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 wasn’t functioning. I felt like I was being scammed.

Horrible experience trying to set up online account. Had to call because nothing was working. Still unable to log in

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.

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 hung up

Website hard to find information you are looking for. Payment didn’t come out on day set. Still trying to figure it out. Not user friendly

***Update 9/ 15/2025***My issue was resolved with Santander. I spoke with Krista from the Executive Office. She was very helpful and understanding. She actually treated me like a person and not like a " number or just another customer " which was very much appreciated. She even discussed with me options to handle something that I'm facing medically in the next couple of months. This is all that we want. In this world it's not that we don't want to pay our bills sometimes things happen I thank this lady again for her time and prompt attention and patience she has been very helpful and exceeded my expectations. I entered a payment agreement with this company paid the first 2 installments. Today I get an email saying that I was behind on my payments. That's impossible if I am abiding by the arrangement they set. To make a longer story short, they wanted me to pay them 693.75 today. I spoke to 4 different agents saying different things. 2 agents told me to pay 473.15 which would be Septembers bill. Taking off that extra fee that I had no idea existed. ( I kept getting disconnected that's why the 4 agents it was them not me) The last one was very very uncut. From India or something telling me that after I paid that I needed to pay more money. I just paid 591.00 on 8/27 then again today 9/4 I paid the 473.15 they asked. What happened to the payment arrangement? They kicked me off of it and made me pay everything upfront with added fees. Then wanted to act as if I didn't know what I was talking about. Telling me that I didn't pay when clearly I have receipts it was paid through their system and it was recorded. The way that customers are treated is ridiculous. I would rather walk before I choose Santander as a finance company again. Oh yeah they still want me to pay more money on 9/30/25!

1) Collected 3,385.00 of my money plus went every where to see where I got my money. Then came and removed the car and said maybe the bank got it.

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 unique code embedded?