Santander Consumer USA Reviews | Read Customer Reviews of santanderconsumerusa.com

Santander Consumer USA Reviews | Read Customer Reviews of santanderconsumerusa.com

Santander Consumer USA reviews

Showing 31 reviews with 2 stars · Clear filters

Theodore J.
Oct 8, 2026
High *** interest Rate for a short term…
High *** interest Rate for a short term loan took 9k turned it into 17k+ had I Know It Would jump That High I would've Chosen a Higher priced vehicle w/all my Preferred options... Is this Better
Response from Santander Consumer USAOct 9, 2026
Hello Theodore! Thank you so much for taking the time to provide your feedback. Santander establishes the contract rate based on factors including the down payment, vehicle value, the applicant’s credit worthiness and credit rating. Once approved, we then provide contract terms for the applicant, which they can either accept or reject at the time of the application approval. 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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T. F.
Sep 22, 2026
Santander Consumer call centers are…
Santander Consumer call centers are suspicious. I called Santander Consumer USA 3 times this month; each time I called, it sounded like the same person with an accent. The 3rd time, I asked to speak with someone who spoke English fluently; I was told there was no one available, hmmm. The representative had a regional accent. I had to keep asking the Rep. to repeat themselves - it was frustrating. I get that banks and companies outsource their calls to other countries, but they need people who can speak English w/o and accent; Santander Consumer USA, this includes YOU!
Response from Santander Consumer USASep 22, 2026
Hello there! Thank you for taking the time to share your feedback. We hate to hear your experience hasn't met your expectations. We appreciate you bringing your concerns to our attention and will make sure your feedback is passed along to the appropriate team for review. Have a great day!
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Linda L.
Sep 10, 2026
Too complicated
Too complicated! So many steps to set up an automatic payment. That makes it very confusing. Even the phone number I called had so many options before getting to a representative. As soon as they answered, there was a pause then laughing.
Response from Santander Consumer USASep 10, 2026
Hello Linda! Thanks for taking the time to provide your feedback and we hate that you feel this way. We offer a free automatic payment option to eligible customers, known as Auto Pay. Your account must be current in order to be eligible for Auto Pay. Your monthly payments will be automatically deducted from your personal checking or savings account and credited to your account by the payment due date. To check to see if you are eligible for Auto Pay, Login or Register for MyAccount by clicking here https://myaccount.santanderconsumerusa.com/login. Once logged in: 1. Select Set Up Auto Pay 2. Follow the on-screen prompts to enter your payment details and schedule your payments Note: The system will default to drafting your regular scheduled monthly payment on your due date. If you would like to have Auto Pay draft an amount higher than your regular monthly payment amount, then uncheck the “Always pay regular monthly payment amount” box and enter a custom payment amount in the “Payment Amount” field that appears. If you're still needing assistance once you've tried signing up online, Trustpilot has sent you an email requesting additional info. Please review your email at your earliest convenience. Have a great day!
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Stephenie C.
Aug 28, 2026
No option for any customer service…
I would have given five stars if there was any way to converse with a LIVE person. I have questions and they do not respond to, “leaving them a message”. Other than lack of human touch, this company could be great.
Response from Santander Consumer USAAug 28, 2026
Hello Stephenie! 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!
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Kev
Aug 26, 2026
I keep having a late fee every month a…
I keep having a late fee every month a $30 late fee and I keep paying it and they say that it won’t be on the next bill, but it keeps being a recurring thing every month
Response from Santander Consumer USAAug 26, 2026
Hello Kev! Hello! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers and we'll be happy to have one of our specialists look into this for you. 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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veronica P.
Aug 24, 2026
Takes way to long to remove funds from…
Takes way to long to remove funds from bank account.
Response from Santander Consumer USAAug 25, 2026
Hello Veronica! 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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Anna M.
Aug 19, 2026
UPDATE with Santander Consumer USA
UPDATE: August 18, 2026. I have been contacting Santander and you hold on 30 minutes and then they hang up. I just wanted assurance that they would take all 3,000 of my back payment and not give me the car back. As I previously stated I NEED the car to attend my doctor’s visits which are numerous. I am paying the money now, and I pray that they won’t back stab me. I have had a problem securing employment because my disability requires accommodations.
Response from Santander Consumer USAAug 19, 2026
Hello Anna! 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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MC
Jul 31, 2026
No email communication nothing in writing
After first review about calling in and getting the poorest of indistinguishable English, finally getting a reply and a rep with proper English, I did receive some help for that I would go from 2 to 2.5 stars, but I can’t. Issue for me there is no option to simply email “ customer service”….. so if you’re hoping to get what they say confirmed in writing - it doesn’t happen. Yes, maybe internally they have a CRM type system but that still leaves the customer with nothing communicated in writing. Also, I wish I put this in my first review but with an at the time 860 credit score - you get stuck well over a 7% rate ?? Come on ……. I have many other future choices……. they’re not retaining this customer like that.
Response from Santander Consumer USAJul 31, 2026
Hello MC! Thank you for taking the time to share your feedback. We hate to hear your experience hasn't met your expectations. Trustpilot has sent you an email requesting additional information. Please review your inbox at your earliest convenience, or if you prefer, you can contact us at 888-222-4227. We're here to help and appreciate the opportunity to assist. Have a great day!
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