Santander Consumer USA Opiniões 343

I received a message that my first car payment was not able to go through from my bank. So, I as a concerned customer called to rectify the situation. My auto pay was set up on my savings account and doesn't pull from the checking account; I didn't know this at the time I set it up. I called to correct the issue, but was me with employee's who thought they knew what they were taking about, but didn't. They keep saying that you can't connect it to a savings account. I kept trying to tell them otherwise, but they would not listen. I also kept trying to tell them, my payment was denied. But they kept saying that it was not denied, and has been processed. I think this should be something that should be discussed in your next board meeting. To inform your employees what they DO NOT KNOW. Not sit there an tell a customer who already knows who is trying to inform them. So, that they can fix the problem, and go on about their daily activities known that their payment was successfully made. This is by far the worst auto loan company I have ever dealt with, and i'm fifty five years old.And had a lot of car payments! Let's see if they hear the customer's voice.

mobile app refuses to let me sign in.

Run run run from this company they are crooked. Someone who works for Santander got into my bank account and zelled 900.00 out of my account. Santander was of no help. Horrible customer service. I filed police report and Bank of America tracked the zelle to an employee. Crooked liars. Never get a loan from these thieves.

Santander Consumer USA uses dishonest business practices and horrible customer service. I made my first car payment without issue when my second payment was returned for some unknown reason forcing me to make a debit card payment which resulted in added fees. The payment was from the same account which caused my frustration. The dishonest customer service agent claims that because my payment was allegedly returned that I must make other payments resulting in extra fees. DISHONEST.

Financing through Santander has been a headache. Setting up the online account was difficult and confusing, and getting help was frustrating. For a large bank, the process feels outdated and poorly supported. I would not recommend them based on my experience.

Thank you so very much for your kindness and help.

Horrible!! I can't even make a payment because Santanders system is so messed up!

I sent my car payment on the 5th of january,2026 and a week later it was sent back to my bank so then I had to resend it today the 13th of january,2026 which makes no sense and was a waste of my time and could have costed me a late fee and or a bad report to my credit bureau

Customer should be given a choice to pay for monthy payment a few days or a week before the actual due date.
That option is not there.
It is frustrating !!!

Interest Rates are ridiculous!! Basically buying 2 cars!! Its absurd and greedy!! Definitely looking to refinance ASAP

The website kept giving directions to go to MyAccount but that never showed up no matter what I did. This one of the most unintuitive websites I have encountered

After you create an account on your website, it will not let you log in again! I have been paying on my loan for 5 years and I still cannot get into the website. I have called customer service seven times asking for my monthly bill to be mailed and I still have not yet received my paper bills! I will never finance a vehicle through this bank again! 😡

I submitted a payment check for my car payoff, following the company's instructions. The company received the check, credited my account, and then reversed the transaction. They never contacted me to explain the reason or to provide notification. They claim my check was returned, but it has been over two weeks, and I have not received the check. This is unacceptable.

I paid off my load and there was a small $330.00 ish overpayment that was returned via check. The check was misplaced and is now stale dated and customer service said they would reissue the check. That was over a month ago and now I cannot speak to a live person.

This company falsely reported to my credit that I was 30 days late on a payment when I was not.
Payments due on 18th of each month.
I paid on the 4th.
There has never been a 30 day late Payment.

I've been locked out of my account after talking to 2 different people trying to setup automatic payment.

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.

The gentleman was very helpful and answered all my questions to the best of his ability. Thank you!!

Recently refinanced my truck through Santander. In Missouri, the original title is kept by the vehicle owner and the lienholder is named on the face of the title. When the lien is satisfied, the lender sends a lien release. Santander received my title and will not send it to my DMV without some form being faxed to them from the DMV. I have bought and sold dozens of vehicles in my life and have never went through this. Santander will eventually be named in a class action suit by all the people who they have held titles for. * Cue automated response from Santander requesting I call their title team. Just to get in front of that, I have already spent an hour of my day on the phone with them and it does no good. This is going to be a long process of talking to people in India who cannot tell me where my title is.