Santander Consumer USA Holdings Inc.
Santander Consumer USA Holdings Inc.
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.
Santander Consumer USA does not prominently publish a general public corporate switchboard on its current consumer contact page.
For customers:
888-222-4227.
888-222-4227
Monday through Friday: 7:00 AM to 9:00 PM CT
Saturday: 7:00 AM to 5:00 PM CT.
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.
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.
Santander Consumer USA Inc.
P.O. Box 961245
Fort Worth, TX 76161-1245
United States.
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.
Auto Finance, Consumer Lending, Loan Servicing, Vehicle Financing and Dealer Financial Services
1997
Santander Consumer USA began originating retail installment contracts in 1997.
David McClelland
Santander Consumer announced his appointment as Head of the Santander US Auto business in January 2026.
Santander Holdings USA, Inc.
Banco Santander, S.A.
Santander Holdings USA is wholly owned by Banco Santander.
Wholly owned subsidiary
Santander Consumer USA is part of Santander’s U.S. auto business.
Santander Consumer USA has historically reported:
More than 3 million customers
across the U.S. auto finance market.
Santander Consumer USA’s sales and dealer relationship teams cover:
All 50 U.S. states.
Santander Consumer USA does not publish public walk-in hours for its Dallas headquarters.
Customer Service hours are listed above.
https://santanderconsumerusa.com/
https://www.santanderus.com/investors-shareholders/
https://santanderconsumerusa.com/our-company/careers
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.
Santander provides financing for qualifying used vehicles through its dealer network.
The company specializes in serving a broad range of consumer credit profiles.
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.
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 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.
Customers can enroll eligible accounts in automatic recurring payments.
Auto Pay can be managed through MyAccount.
Eligible customers can request changes to their payment due dates through Santander’s account-management tools.
Approval depends on account status and applicable terms.
Customers can review payoff information through MyAccount.
Dealer and payment documentation also supports payoff processing through Santander’s payment addresses.
Santander provides title-processing support for financed vehicles.
Current Titles support number:
800-526-0157.
Customers moving between states can request title-related changes.
Santander’s current title guidance explains separate processes for electronic and paper titles.
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.
Santander provides credit decision support for participating automotive dealers.
Current dealer Credit number:
866-552-2528.
Santander provides funding support for approved dealer contracts.
Current Funding number:
800-877-4696.
Dealer Advocacy helps participating dealers with escalated dealer questions.
Current number:
866-557-8428.
Dealer Operations provides servicing support to dealership partners.
Current number:
855-763-2448.
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.
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 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.
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.
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.
No separate universal public corporate switchboard is prominently published.
Customer routing:
888-222-4227
Not publicly listed as a separate current headquarters line.
For customer service:
888-222-4227
No separate universal public corporate-office number is currently promoted.
888-222-4227.
Monday through Friday: 7:00 AM to 9:00 PM CT
Saturday: 7:00 AM to 5:00 PM CT.
800-526-0157
Monday through Friday: 7:00 AM to 6:00 PM CT.
214-237-3549.
866-552-2528
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.
800-877-4696
Monday through Friday: 8:00 AM to 7:00 PM CT.
866-557-8428
Monday through Friday: 8:00 AM to 5:00 PM CT.
855-763-2448
Monday through Friday: 8:00 AM to 5:00 PM CT.
Primary Customer Service:
888-222-4227
Santander does not publish a separate billing-only line.
Use:
888-222-4227
Customer Service:
888-222-4227
Payment mailing address:
P.O. Box 660633, Dallas, TX 75266-0633.
Santander Consumer USA
3000 Kellway Drive, Suite 120
Carrollton, TX 75006.
media@santanderconsumerusa.com.
For California privacy requests:
877-768-2265.
Santander Consumer USA no longer operates as a separately traded public company.
Investor matters are handled at Santander US and Banco Santander levels.
No universal public HR number is prominently listed.
Careers are available through Santander Consumer USA’s employment pages.
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 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.
David McClelland
He was appointed Head of the Santander US Auto business in January 2026.
Santander Holdings USA, Inc.
Santander Consumer USA is one of Santander US’s key operating businesses.
Banco Santander, S.A.
Banco Santander is headquartered in Spain and owns Santander Holdings USA.
Santander Consumer USA is:
Wholly owned
and is no longer separately publicly traded.
Santander US currently operates across:
Auto Lending
Retail and Digital Banking
Commercial Banking
Corporate and Investment Banking
Wealth Management.
Santander US currently describes itself as a:
Top-10 U.S. auto lender.
Santander Consumer USA has served:
More than 3 million customers
across the credit spectrum.
Santander’s sales and relationship-management teams operate across:
All 50 states.
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.
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.
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.
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.
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.
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.
Ramona Tire is an automotive service company that provides a wide range of tire and…
Car-X Tire & Auto is a well-known automotive service chain in the United States, specializing…
Curo Financial Technologies Corp. is a company that provides a range of financial services, primarily…
Enova International, Inc. is a financial technology (fintech) company that provides online financial services to…
Community Choice Financial Inc. (CCFI) is a financial services company that provides a variety of…
Smile Brands Inc. is a leading provider of business support services to dental practices in…
This website uses cookies.