Santander Consumer USAReviews of santanderconsumerusa.com

I truly love this company! I was so happy know that we were able to get with Santander. I look forward to proving our credit worthiness and hopefully in the near future lower my monthly payment. This company has been so good to us in the past and we look forward to working with them again! I highly recommend this company!! Gloria B

Update: the state of Missouri received the title on September 2. I want to reiterate that this is NOT the correct process for state to state title transfer in Missouri. They also made my life miserable for SIX MONTHS. I have been fighting Santander Consumer USA for SIX MONTHS over what should be a routine state-to-state title transfer, and I am absolutely furious. I moved from Florida to Missouri and needed Santander, as the lienholder, to provide the documentation required to title and register my vehicle in Missouri. On March 10, 2026, I faxed Santander Missouri Form 5834, properly completed, signed, and notarized. On March 16, Santander returned that exact form to me, signed and notarized by their own representative, with the box checked stating that my title was held electronically. You would think a company whose business involves financing vehicles could handle a state title transfer from there. Apparently not. On May 4, after I began chasing them for the necessary title documentation, I was specifically told it would be emailed to me WITHIN AN HOUR. It never came. I continued calling. And calling. And calling. I was hung up before even speaking to a rep multiple times. I received conflicting information depending on which Santander representative I happened to speak with. At one point, I was actually told Santander had NEVER RECEIVED MY REQUEST. I have a form that SANTANDER SIGNED AND NOTARIZED on March 16 in response to that request. So clearly they received it. Eventually, Santander gave me another explanation: they were supposedly going to contact Florida, have the electronic title converted to a paper title, and have that title sent directly to the Missouri Department of Revenue in Jefferson City. I was told this could take approximately four to six weeks. There were TWO problems with that. First, THAT IS NOT WHAT MISSOURI TOLD ME SANTANDER NEEDED TO DO. Missouri gave Santander two options: provide me with the title itself or proof/receipt of the title, OR provide me with a letter on Santander letterhead explaining why they would not provide the title or proof/receipt of the title. Santander did neither. Secondly, SANTANDER NEVER SENT THE TITLE TO JEFFERSON CITY EITHER. The "four to six-week" timeframe has long since passed. Not a single time during this entire six-month ordeal has Santander sent the title to me, sent me proof/receipt of the title, provided the required letter explaining why they would not send it, OR actually sent the title to Jefferson City like they repeatedly claimed they were going to do. I finally became so fed up that I filed a formal complaint with the Missouri Attorney General. And what did Santander say in response? They essentially repeated the same story about having Florida issue a paper title to Missouri. THE TITLE STILL WAS NOT SENT. Think about that. I escalated a routine title-transfer problem all the way to the STATE ATTORNEY GENERAL, Santander formally responded by saying what it supposedly intended to do, and then I STILL did not get the title transfer completed. I have done everything asked of me. I obtained the Missouri form. I completed it. I had it notarized. I sent it to Santander. I followed up repeatedly. I contacted the DMV. I documented my calls. I waited through Santander's own estimated processing time. I explained exactly what Missouri required. I filed a complaint with the Missouri Attorney General. I have had to have two state inspections so far and will likely require another before this ordeal is over. What exactly is the customer supposed to do after all that? The constantly changing information has made this infinitely worse. Don't tell a customer a document will arrive within an hour if it isn't going to arrive. Don't tell a customer you never received a request when your own notarized signature is sitting on the returned form proving otherwise. Don't insist you're going to send a title somewhere it isn't supposed to go—and then FAIL TO SEND IT THERE ANYWAY. If you have a Santander auto loan and plan to move to another state, DOCUMENT EVERYTHING. Save every form. Keep your fax confirmations. Write down dates. Keep copies of everything Santander signs. Take notes during every phone call. Do not assume that because a representative tells you something has been handled, it actually has been handled. Better yet, if you have a choice, do NOT use Santander for your vehicle loan in the first place. I certainly never will again. I STILL do not have my Missouri title transfer completed. My registration expired in May and I have a useless vehicle sitting in my driveway. Absolutely unacceptable.

We are not paycheck people, so sometimes our money comes in a little bit late. But we know that it's coming. And Santander is excellent about not charging us a late fee. The simple interest is as fair as there can be. And I don't see any. Problem dealing with this company. Their rates were the best I was offered.

The Gentleman I spoke with was very helpful and informative. He is very nice and spoke to me like a friend.

Y'all are amazing I love that yall very nice an very helpful Cecilia castello your number one and we will be seeing you more love vandergrift Chevrolet

Stress free

Thank you very much for helping me set up my account. The 2 Customer Service Representatives were most helpful, courteous and friendly. Have a nice day!

Santander Consumer USA — Extremely Disappointing Experience Santander has been one of the worst financial companies I have ever dealt with. Their interest rates are outrageous, and when you are going through a serious financial hardship, they do not seem willing to work with you or provide meaningful solutions. I recently experienced a medical emergency and am currently out of work after having a kidney transplant. I contacted Santander to explain my situation and requested a deferment because I am temporarily unable to work and am dealing with significant medical and financial circumstances. Unfortunately, I was told they could not provide a deferment or offer me a reasonable solution. What was even more frustrating was trying to communicate with a representative who I had difficulty understanding because of their limited English. During an already stressful and serious situation, I needed someone who could clearly explain my options and help me find a solution—not make the situation more frustrating. I eventually told them that if they could not work with me, they could come pick up the car because I am not going to put my health and peace of mind at risk stressing over a car payment while I am dealing with a major medical situation. My advice to anyone considering Santander: Think twice before financing a vehicle through this company. I understand that people sometimes need secondary financing when they are trying to get a car, but there are other options worth exploring. I would encourage people to shop around, carefully compare interest rates and terms, and make sure the lender has reasonable hardship options before signing anything. I would not recommend Santander based on my experience. When someone is going through a serious medical and financial hardship, you would hope a financial company would at least try to help find a workable solution.