Santander Consumer USA Reviews 278

TrustScore 2.5 out of 5

2.3

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Review summary

Created with AI, based on recent reviews

Evaluating 173 reviews, most reviewers were unhappy with their experience overall. Many people encountered significant issues with payment processing, including difficulties with automatic payments, unexpected charges, and problems with payments being applied incorrectly or not on time. Reviewers also frequently reported negative experiences with customer service, citing unhelpful representatives, long wait times, and a lack of resolution for their concerns. The website was often described as difficult to navigate and use, leading to frustration when trying to set up accounts or make payments. Conversely, some people were satisfied with the assistance they received from staff, particularly when it came to setting up accounts or making payment arrangements. A few other people also felt that the website was simple to set up and appreciated the financial services provided.

What people talk about most

Payment

Reviewers express significant dissatisfaction with the payment process. Many customers report difficulties... See more

Customer service

Reviewers highlight significant dissatisfaction with customer service. Many consumers report issues such as... See more

Service

People report negative experiences with service. Many consumers express frustration with hidden charges,... See more

Staff

Consumers find staff to be ambiguous, with experiences ranging from highly positive to extremely negative.... See more

Website

Clients share negative opinions on website functionality. Many reviewers report significant difficulties... See more

Reviews shaping this summary

Rated 2 out of 5 stars

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 was... See more

Company replied

Rated 2 out of 5 stars

I have already set up automatic payment with you in a very efficient, impressive way. So, I thought I was done with all this. Why am I getting emails asking me to do it again? Please check your sy... See more

Company replied

Rated 2 out of 5 stars

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 uni... See more

Company replied

Rated 2 out of 5 stars

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... See more

Company replied


Company details

  1. Car finance and loan company

Written by the company

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.


Contact info

2.3

Poor

TrustScore 2.5 out of 5

278 reviews

5-star
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1-star

Replied to 99% of negative reviews

Typically replies within 24 hours

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Rated 1 out of 5 stars

signing into this website sucks balls

13 August 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello there! Thank you so much for taking the time to provide your feedback and we hate that you feel this way. 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!

Rated 5 out of 5 stars

I received all info and help with some of my issues

I really needed help with changing the date of my car payment she was more than just help she was able to change my due date to the date I needed I needed to know where to pay my bill gave me my acct #then I can pay close by and sending all info to my address thx

11 August 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Patricia! Thank you so much for taking the time to provide your feedback and 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!

Rated 1 out of 5 stars

I need to talk to a customer service…

I need to talk to a customer service representative about my account. I have not been able to thru your phone system. I am very concerned about my account an the inability to speak to a rep. Please call me at 512-809-1987

9 August 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Susan! Thank you so much for reaching out to provide your feedback and we'll be more than happy to have one of our specialists look into this for you. Your information has been sent over for review and someone will be reaching out to you within the next 24-48hrs. Have a great day!

Rated 4 out of 5 stars

Good site but 1 Pay Avenue Missing

The site is overall complete and simple/basic to set up. Great site, easy to navigate and most information readily available. A critique is, your methods of payment, you should supply the name/address /phone number for those of us who choose to use OUR own banks bill pay to make payments, other than that good site.

8 August 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello There! Thank you so much for taking the time to provide your feedback and we appreciate your business. For all payment options including addressed, please click here https://santanderconsumerusa.com/payments to visit our website. We hope this helps and if you have any questions or concerns, please don't hesitate to give us a call at 888.222.4227. Have a great day!

Rated 1 out of 5 stars

They lied about everything the windshield was broke alignment they said they fix and now the spayer for windshield wipers is broke when they put new windshield in tires are bad…

They lied about everything they said the truck passed inspection that was a lie the windshield was brok

1 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Penny! Thanks for taking the time to provide your feedback and we hate to hear about your experience. 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!

Rated 5 out of 5 stars

Great services

Great services

28 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Ulber! Thank you so much for taking the time to provide your feedback and 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!

Rated 1 out of 5 stars

If I could give you a ZERO I would

If I could give you a ZERO I would. I have called several times about an issue on YOUR end We paid on time, you cashed our check and didn't apply it to our account and now I get a card and to use it to pay the past due balance we'd have to pay a fee. THIS IS STUPID AND THIS IS THE LITERAL WORST CUSTOMER SERVICE I HAVE EVER EXPERENCED. I HATE YOUR COMPANY. I HATE ALL THE WORK I'VE HAD TO DO TO PROVE AFTER MORE THAN THREE YEARS OF PAYMENTS THAT WE'RE DOING THE RIGHT THING. I put one date for my experience, but there were several others that I could complain about. You suck, I will never use your company again and I would NEVER recommend you to anyone, in fact I will work hard to make sure everyone knows how awful your call center is. Get some competent people who know how to do their job.

29 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello there! Thank you so much for taking the time to provide your feedback and we hate that you feel that way. 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!

Rated 5 out of 5 stars

This is our second Outlander

This is our second Outlander, and our second time going through Santander Consumer USA. Both times our experiences have been incredible, I cannot recommend Mitsubishi products, or their financing, enough!

16 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Elizabeth! Thank you so much for taking the time to provide your feedback and 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!

Rated 1 out of 5 stars

Your site is not user friendly

Your site is not user friendly. Having attempted to initiate my account, I was immediately locked out due to “incorrect” credentials after three attempts using the information I had just provided.

3 August 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello David! 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!

Rated 1 out of 5 stars

Santander Consumer USA are the worst of…

Santander Consumer USA are the worst of the worst. They take the payment anytime they want; they wait until weeks are gone by then take money. It's usually a dollar or fifty cents short and then your charged with insufficient funds to your account. I tried to make a payment, they said my account was closed and called back, spoke with another agent and Luis too the payment, said I need to add two zeros in front of the account number.

30 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Elizabeth! 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!

Rated 1 out of 5 stars

The online payment system is terribly flawed

I tried to set up an account to make payment for a new car i purchased. The system will not allow me to create a pin number for such an account, thus not allowing me to make a payment for this new car. I called my local Santander branch in Neptune, NJ and they cannot help me either. I'm going to wind up losing this car because I don't know how to make a payment. I'm so done with this!!!!

28 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello there! Thank you so much for taking the time to provide your feedback. If you are still having issues, please give our customer service team a call at 877-768-2265 8:00 a.m. – 8:00 p.m., Monday - Saturday ET. Hope this helps and have a great day!

Rated 5 out of 5 stars

The best bank in the Word

The best bank in the Word

25 June 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Ana! Thank you so much for taking the time to provide your feedback and we appreciate your business. If you have any questions or concerns regarding a Santander auto loan, please don't hesitate to give us a call at 888.222.4227. Have a great day!

Rated 3 out of 5 stars

My account…

I have tried several times and cannot get into my account

22 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Judy! 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!

Rated 2 out of 5 stars

Lots of emails.

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?

1 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

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!

Rated 2 out of 5 stars

Pass code problem

It would not take the pass code you sent me so I could not set up my account. It locked me out.

Called and got excellent help. Thank you.

18 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Becky! 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!

Rated 5 out of 5 stars

I do not have a Jeep Patriot

20 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Rebecca! Thank you so much for taking the time to provide your feedback. If there is something we can look into or help you with 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!

Rated 2 out of 5 stars

Well it says I have a Dodge Ram…

Well it says I have a Dodge Ram something or rather and I am a 70 yr old with a Tesla

16 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Karen! 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 more than 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!

Rated 2 out of 5 stars

I have already set up automatic payment…

I have already set up automatic payment with you in a very efficient, impressive way. So, I thought I was done with all this. Why am I getting emails asking me to do it again? Please check your system before asking again ...
So, this review was questioned, for more clarity. I tried to provide that, but I was confused by the Trustpilot response system. Thus, I called Santander to stop any more emails that request me to set up automatic payment. I have already completed that process.

11 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Perry! 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 more than happy to have one of our specialists look into to this. 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!

Rated 1 out of 5 stars

Can’t get my online banking account and…

Can’t get my online banking account and can’t reach an operator

7 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Scarlett! Thank you so much for taking the time to provide your feedback. This isn't the experience we want for any of our customers. We've sent your information over to one of our specialists for review and someone will be reaching out to you within the next 24-48hrs. Have a great day!

Rated 3 out of 5 stars

I had previously set up my account when…

I had previously set up my account when I completed the transaction with Tesla. So your email requesting the same was a duplication of efforts and not necessary.

My biggest complaint however is the picture that was included in the email request. I found it to be offensive. I live in the United Sates and am an american citizen.

8 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Nancy! Thank you so much for taking the time to provide your feedback and we hate that you feel this way. This isn't the experience we want for any of our customers. We've sent your information over to one of our specialists for review and someone will be reaching out to you within the next 24-48hrs. Have a great day!

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