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Partner With Us

Santander Consumer USA is the leader in consistent, fast funding for finance deals across the credit spectrum.

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Overview

  • $7 billion portfolio originated from a pool of more than 10,000 dealers and from consumers via the Internet
  • Leading provider of finance programs that cover the entire non-prime spectrum
  • Strong operating platforms in originations, funding and servicing, supported by a highly-developed analytics team
  • Owned by Santander, a top 10 global bank
  • Executive management with decades of direct dealership experience

Multi-tiered Underwriting

  • Consistent approach to deal structuring
  • Every application is processed by our proprietary, risk-based scoring and pricing model
  • Simplified “one stop” approach offering B-D tier programs
  • Non-recourse (franchise stores only)

Dealer-Friendly Underwriting

  • Automatic approvals
  • Complete deal structuring
  • Extended hours (M-F until 7 p.m. Central, Saturdays and most holidays)
  • 24/7 decisioning
  • One-on-one communication with a dedicated buyer

Funding with Consistency and Support

  • 48- to 72-hour purchasing for clean deal packages
  • Assistance in gathering stipulations
  • Online tools to review status of deals
  • Electronic funds transfer
  • Listed on DealerTrack and RouteOne as “Drive” and “Santander Auto”

Sales and Marketing Support

  • Expert program education for dealership personnel (F&I, sales and accounting)
  • Dedicated field sales representative
  • Dealer incentive programs
  • Hands-on problem resolution

Financial Strength and Stability

  • Track record of success in a highly fragmented industry
  • Incomparable financial backing; billions in assets
  • Consistent, profitable growth across varying economic cycles
  • An industry leader for more than a decade

Contact Our Sales Department

Dealer Shaking Hands

Full-Spectrum Finance

Santander Consumer USA has programs that will help you sell more cars to more customers. We offer competitive rates and fast funding, and can finance customers with any credit profile. We are the industry leaders in special finance and can often offer approvals for your customers who have been declined by other banks. In addition to our indirect finance solutions, we offer a unique leads program through our RoadLoans.com platform, and back-end products through our S-Guard line.

Please view our Dealer FAQ section for an overview of what it's like to work with us. Each deal is unique, and deal specifics are developed by our underwriting staff and the dealer.

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