Santander Consumer USA Holdings Inc.
About Santander Consumer USA
Santander Consumer USA Inc., often abbreviated as SC, is a major U.S. automobile finance company headquartered in Dallas, Texas. The company provides financing for new and used vehicles, loan servicing, dealer financing programs, manufacturer-partner financing, small-business vehicle finance, and other automotive financial services.
Santander Consumer USA began originating retail installment contracts in 1997. It has grown into a nationwide automotive lender serving consumers across a broad range of credit profiles and maintaining dealer relationships throughout all 50 states. Recent company materials describe Santander Consumer USA as serving more than three million customers.
Santander Consumer USA is no longer an independently traded public company. It is a wholly owned subsidiary of Santander Holdings USA, Inc., which itself is wholly owned by Banco Santander, S.A. Santander US describes auto lending as one of its five core U.S. businesses.
Quick Information
Corporate Phone Number
Santander Consumer USA does not prominently publish a general public corporate switchboard on its current consumer contact page.
For customers:
888-222-4227.
Customer Service Number
888-222-4227
Current support hours
Monday through Friday: 7:00 AM to 9:00 PM CT
Saturday: 7:00 AM to 5:00 PM CT.
Corporate Office Address
Santander Consumer USA Inc.
1601 Elm Street, Suite 800
Dallas, TX 75201
United States
Current Santander dealer and legal materials continue to use this Dallas address.
Headquarters Address
Santander Consumer USA Inc.
1601 Elm Street, Suite 800
Dallas, TX 75201
United States
Santander Consumer USA’s current company page states that its corporate headquarters is in Dallas.
Customer Mailing Address
Santander Consumer USA Inc.
P.O. Box 961245
Fort Worth, TX 76161-1245
United States.
Payment Address
Santander Consumer USA Inc.
P.O. Box 660633
Dallas, TX 75266-0633
United States.
Santander Consumer USA does not publish a universal unsecured consumer Customer Service email.
Current specialized contact:
Media: media@santanderconsumerusa.com.
Industry
Auto Finance, Consumer Lending, Loan Servicing, Vehicle Financing and Dealer Financial Services
Founded / Began Originations
1997
Santander Consumer USA began originating retail installment contracts in 1997.
Current Head of Santander US Auto
David McClelland
Santander Consumer announced his appointment as Head of the Santander US Auto business in January 2026.
Parent Company
Santander Holdings USA, Inc.
Ultimate Parent Company
Banco Santander, S.A.
Santander Holdings USA is wholly owned by Banco Santander.
Ownership
Wholly owned subsidiary
Santander Consumer USA is part of Santander’s U.S. auto business.
Customer Scale
Santander Consumer USA has historically reported:
More than 3 million customers
across the U.S. auto finance market.
Geographic Coverage
Santander Consumer USA’s sales and dealer relationship teams cover:
All 50 U.S. states.
Corporate Office Hours
Santander Consumer USA does not publish public walk-in hours for its Dallas headquarters.
Customer Service hours are listed above.
Website
https://santanderconsumerusa.com/
Parent Company Investor Relations
https://www.santanderus.com/investors-shareholders/
Careers Page
https://santanderconsumerusa.com/our-company/careers
Santander Consumer USA Products & Services
New Vehicle Financing
Santander Consumer USA finances new-vehicle purchases through participating automobile dealers.
Financing structures and eligibility depend on applicant credit, vehicle, dealership, manufacturer program, and other underwriting factors.
Used Vehicle Financing
Santander provides financing for qualifying used vehicles through its dealer network.
The company specializes in serving a broad range of consumer credit profiles.
Retail Installment Contracts
A core Santander Consumer product is the retail installment contract used to finance vehicle purchases.
Santander began originating these contracts in 1997 and continues to purchase and service qualifying contracts through dealers.
Auto Loan Servicing
Santander Consumer USA services vehicle-finance accounts and provides tools for customers to make payments, update account details, request due-date changes, view statements, and monitor payoff information.
MyAccount
MyAccount is Santander Consumer USA’s online account-management platform.
Customers can make payments, enroll in Auto Pay, access statements, review payment history, update information, check payoff amounts, and communicate with support.
Auto Pay
Customers can enroll eligible accounts in automatic recurring payments.
Auto Pay can be managed through MyAccount.
Due Date Change Requests
Eligible customers can request changes to their payment due dates through Santander’s account-management tools.
Approval depends on account status and applicable terms.
Loan Payoff Information
Customers can review payoff information through MyAccount.
Dealer and payment documentation also supports payoff processing through Santander’s payment addresses.
Title Services
Santander provides title-processing support for financed vehicles.
Current Titles support number:
800-526-0157.
State Title Changes
Customers moving between states can request title-related changes.
Santander’s current title guidance explains separate processes for electronic and paper titles.
Insurance Claim Support
Customers can access insurance-claim information and account tools through MyAccount.
This can help when a financed vehicle is damaged or involved in an insurance loss.
Dealer Credit Services
Santander provides credit decision support for participating automotive dealers.
Current dealer Credit number:
866-552-2528.
Dealer Funding
Santander provides funding support for approved dealer contracts.
Current Funding number:
800-877-4696.
Dealer Advocacy
Dealer Advocacy helps participating dealers with escalated dealer questions.
Current number:
866-557-8428.
Dealer Operations
Dealer Operations provides servicing support to dealership partners.
Current number:
855-763-2448.
Manufacturer Finance Partnerships
Santander Consumer USA has maintained automotive-finance partnerships with manufacturers and automotive brands.
Recent official materials reference partnerships with companies including Mitsubishi, Lotus, INEOS, and Stellantis.
Small Business Vehicle Financing
Santander expanded its small-business vehicle finance program to participating dealers.
The program is designed to support businesses purchasing vehicles for commercial use.
Drive Together
Drive Together is a Santander digital program that helps participating dealerships connect with pre-qualified consumers generated from web traffic.
The program was highlighted in a July 2025 Santander Consumer announcement.
Digital Auto Finance
Santander continues to invest in digital retailing and automotive-finance technology.
Its programs are designed to connect online vehicle shoppers, dealers, financing options, and account-management tools.
Third-Party Loan Servicing
Santander Consumer USA also services qualifying auto loans originated or owned by third parties.
The company has historically described third-party servicing as one of its core businesses.
Santander Consumer USA Corporate Phone Numbers
Corporate Phone Number
No separate universal public corporate switchboard is prominently published.
Customer routing:
888-222-4227
Corporate Headquarters Number
Not publicly listed as a separate current headquarters line.
Headquarters Number
For customer service:
888-222-4227
Corporate Office Number
No separate universal public corporate-office number is currently promoted.
Customer Service Number
888-222-4227.
Customer Service Hours
Monday through Friday: 7:00 AM to 9:00 PM CT
Saturday: 7:00 AM to 5:00 PM CT.
Titles Number
800-526-0157
Hours
Monday through Friday: 7:00 AM to 6:00 PM CT.
Titles Fax
214-237-3549.
Dealer Credit Number
866-552-2528
Hours
Monday through Friday: 7:00 AM to 9:00 PM CT
Saturday: 7:00 AM to 5:00 PM CT
Sunday: 12:00 PM to 4:00 PM CT.
Dealer Funding Number
800-877-4696
Hours
Monday through Friday: 8:00 AM to 7:00 PM CT.
Dealer Advocacy Number
866-557-8428
Hours
Monday through Friday: 8:00 AM to 5:00 PM CT.
Dealer Operations Number
855-763-2448
Hours
Monday through Friday: 8:00 AM to 5:00 PM CT.
Toll-Free Number
Primary Customer Service:
888-222-4227
Billing Number
Santander does not publish a separate billing-only line.
Use:
888-222-4227
Payment Support
Customer Service:
888-222-4227
Payment mailing address:
P.O. Box 660633, Dallas, TX 75266-0633.
Overnight Payment Address
Santander Consumer USA
3000 Kellway Drive, Suite 120
Carrollton, TX 75006.
Media / Press Email
media@santanderconsumerusa.com.
Privacy Number
For California privacy requests:
877-768-2265.
Investor Relations Number
Santander Consumer USA no longer operates as a separately traded public company.
Investor matters are handled at Santander US and Banco Santander levels.
Human Resources Number
No universal public HR number is prominently listed.
Careers are available through Santander Consumer USA’s employment pages.
How to Reach a Real Person at Santander Consumer USA
For an existing auto-finance account, call 888-222-4227. Live support is available Monday through Friday from 7:00 AM to 9:00 PM Central Time and Saturday from 7:00 AM to 5:00 PM Central Time. Existing customers can also log into MyAccount for live chat, payments, Auto Pay, statements, payoff information, account changes, and insurance-related tools.
For title matters, call 800-526-0157. Dealers should use the dedicated Credit, Funding, Dealer Advocacy, or Dealer Operations numbers instead of consumer Customer Service. Using the specialized line is generally the fastest way to reach the correct department.
Santander Consumer USA Headquarters & Corporate Office Address
Dallas Corporate Headquarters
Santander Consumer USA Inc.
1601 Elm Street, Suite 800
Dallas, TX 75201
United States
Santander’s current corporate information identifies Dallas as the company’s headquarters, while dealer and legal materials continue to use 1601 Elm Street for official business.
Current Head of Santander US Auto
David McClelland
He was appointed Head of the Santander US Auto business in January 2026.
Parent Company
Santander Holdings USA, Inc.
Santander Consumer USA is one of Santander US’s key operating businesses.
Ultimate Parent
Banco Santander, S.A.
Banco Santander is headquartered in Spain and owns Santander Holdings USA.
Current Ownership Status
Santander Consumer USA is:
Wholly owned
and is no longer separately publicly traded.
Santander US Business Structure
Santander US currently operates across:
Auto Lending
Retail and Digital Banking
Commercial Banking
Corporate and Investment Banking
Wealth Management.
U.S. Auto Market Position
Santander US currently describes itself as a:
Top-10 U.S. auto lender.
Customer Scale
Santander Consumer USA has served:
More than 3 million customers
across the credit spectrum.
Nationwide Dealer Coverage
Santander’s sales and relationship-management teams operate across:
All 50 states.
Former Public Company Status
Santander Consumer USA Holdings Inc. was previously publicly traded.
Santander Holdings USA later acquired the outstanding shares it did not already own, making the consumer-finance business fully owned within Santander’s U.S. structure.
How to File a Complaint Against Santander Consumer USA
Step 1: Contact Customer Service
Call 888-222-4227 and explain the problem clearly. Have your account number, vehicle information, payment history, dates, disputed amounts, and any prior case information available. If the issue involves a payment, due date, payoff, insurance claim, or account update, MyAccount can also provide supporting records and account-management functions.
Step 2: Use the Appropriate Specialized Department
For title complaints, call 800-526-0157. Dealers should use Santander’s dedicated Credit, Funding, Dealer Advocacy, or Dealer Operations numbers. Specialized routing can be especially important for title-release delays, funding disputes, dealer-contract issues, payoff processing, or vehicle-document concerns.
Step 3: Request Supervisor or Account Escalation
If the first representative does not resolve the complaint, ask for additional account or supervisor review. Keep the original case number, payment confirmations, account statements, title records, letters, and notes showing the dates and names of previous representatives. Explain exactly what remains unresolved and what correction you are requesting.
Step 4: Send Formal Written Correspondence
Customer correspondence can be mailed to:
Santander Consumer USA Inc.
P.O. Box 961245
Fort Worth, TX 76161-1245
For formal legal correspondence, Santander’s current site terms use:
Santander Consumer USA
1601 Elm Street
Dallas, TX 75201
Attention: Legal Department.
Include copies of statements, payment confirmations, title information, previous complaint correspondence, and any other supporting records.
Step 5: Use the Appropriate External Complaint Process
If a consumer-finance complaint remains unresolved, the appropriate external channel can depend on the issue and jurisdiction. Auto-lending or servicing complaints may be submitted to the Consumer Financial Protection Bureau, while state banking or consumer-finance regulators and state Attorneys General may also have jurisdiction. Credit-reporting disputes can involve the applicable credit bureaus, and payment disputes may involve the financial institution used to make the payment. Keep complete account statements, case numbers, correspondence, and Santander responses before filing externally.
