Santander Consumer USA Reviews 278

TrustScore 2.5 out of 5

2.3

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

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
4-star
3-star
2-star
1-star

Replied to 99% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Easy online payment setup!!

2 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Michael! 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 could not log in even though I…

I could not log in even though I accessed my info through my phone to be sure. I have been with this company for one week and it has happened twice.

4 July 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello CJ! 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 3 out of 5 stars

Because it don’t have an app for it

29 June 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Ambur! Thank you so much for taking the time to provide your feedback. You are correct, we do not have an app for our auto loan customers but please feel free to click here https://myaccount.santanderconsumerusa.com/Home/SignIn and save our link to your favorites, so that you can access your online account anytime. We hope this helps and have a great day!

Rated 5 out of 5 stars

I really appreciate all the help Angel…

I really appreciate all the help Angel Amonte did for me in order to buy the car I have now. He made me feel like I was home and made me think I made the best choice in my life. If I had to do it all over again, I’d go to the same place and look for him again.

16 June 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. If you have any questions or concerns regarding your Santander auto loan, please don't hesitate to give us a call at 888.222.4227. Have a great day!

Rated 5 out of 5 stars

Excellent Service

CJ and Brittney was very helpful and made this experience a reality for me and my family. Brittney was a new employee but was very eager to learn. Their team work was excellent service!

13 June 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hi Debbie! 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 3 out of 5 stars

Website Features

In their mailed literature, they listed a feature in their web portal that was non existent. I mentioned in a message on the site and I was told I would receive an e-mail reply. Never happened.

By calling Santander, I found out that California law does not let residents make their communications privacy choices on line. I had to fill out the paper form under state law. Bureaucracy!

16 June 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Stephen! Thank you so much for taking the time to provide your feedback. 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 5 out of 5 stars

Extremely Happy

The moment I arrived to Royal Mitsubishi felt like A Royal Queen experience! Everyone and everything was absolutely amazing. I’m so In love with my brand new Mitsubishi eclipse cross. I highly recommend Royal Mitsubishi they definitely have your best interest at heart.

7 June 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. 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

this company is the worst of the worst…

this company is the worst of the worst to get a car loan with. they won't help you if you fall into trouble, and the worst is the loan is paid in full, closed and they won't take it off as a charge off, even though it is paid. this is a disgusting way to do business now ,I have crap on my credit for 7 yrs and they wont budge . it says charge off, and I have a letter from them saying said in full.

15 April 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Brent! Thank you so much for taking the time to provide your feedback and we hate that you feel this way. We will 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 3 out of 5 stars

Initial first time sign up not user…

Initial first time sign up not user friendly can't sign up for first time can't find company help access info

3 June 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello John! 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 1 out of 5 stars

It won't let me set up an account

It won't let me set up an account

2 June 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Sharon! 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

Horrible company who preys off of poor…

Horrible company who preys off of poor people

29 May 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

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

Wrong loan amounts nearly $4000.00 more…

Wrong loan amounts nearly $4000.00 more than dealer agreement

28 May 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Jason! 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 1 out of 5 stars

I can not get logged in

28 May 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Glenn! 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

Very easy accommodating and giving hope…

Very easy accommodating and giving hope to those that were victim of circumstances. Thank you.

8 May 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Winter! 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

This company was rude and uncareing

This company was rude and Repossessed my vehicle with no warning. they refused to work with me although I was willing to pay my past amount. they told my pay at the full price of the vehicle or nothing. I will never work with his Company again. If I see there name I will walk away. I understand I defaulted but at least work with me or attempt to. interest was outrageous and they seemed to eager to take the vehicle. I will report these people to the better business burro if they don't work with me and will tell everyone I see to stay away

13 May 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, and we'll be more than happy to have one of our specialists look into this for you. We have sent your information 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

Horrible lease initiation —FIXED

You sent me an email that doesn’t show as important. I’ve NEVER heard of you before. 15 days later my lease is delinquent. Not a single piece of US Mail. HOW WAS I SUPPOSED TO KNOW.

I had already provided bank account information to Tesla… apparently you never received it.

UPDATE: received a call today from a very helpful person who said she was in the executive office. Started with a sincere apology. Double checked my information and it turns out that somewhere between Tesla and Santander, my house number was wrong. They had sent a statement but it was returned as undeliverable. She also confirmed that my payment (made yesterday) had been processed and that the account is current. She went on to verify that no negative credit information had been reported. Well done!

10 May 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. We have sent your information over to one of our specialists to review and someone will be reaching out to you within the next 24-48hrs. Have a great day!

Rated 1 out of 5 stars

This bank doesn’t care about their…

This bank doesn’t care about their customers, they only care about their F-K money.
And stealing it.

12 May 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Taulant! 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 hate that you feel this way. We have sent your information over to one of our specialists to review your concerns and someone will be reaching out to you within the next 24-48hrs. Have a great day!

Rated 1 out of 5 stars

Can’t log on to my account and will not…

Can’t log on to my account and will not accept security questions

7 May 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hi Vicki! 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

Paid off car in December 2024 has not…

Paid off car in December 2024 has not and will not electronically release title and has disabled my account can't contact

5 May 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Justice! 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 specialist for review and someone will be reaching out to you within the next 24-48hrs. Have a great day!

Rated 1 out of 5 stars

It’s a struggle for many days to use…

It’s a struggle for many days to use their website..
wasted time and energy just trying to log in to their online account

29 April 2025
Unprompted review
Santander Consumer USA logo

Reply from Santander Consumer USA

Hello Irene! 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. We've sent your information over for review and someone will be reaching out to you within the next 24-48hrs. Have a great day!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look