Partner With Us

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


  • $40 billion portfolio originated from a pool of nearly 14,000 dealers …
  • Leading provider of finance programs that cover the full spectrum of credit
  • Strong operating platforms in originations, funding and servicing, supported by a highly developed analytics team
  • Owned by Banco Santander (NYSE: SAN), a global bank with a presence in 52 countries
  • Executive management with decades of direct dealership experience
  • Become a Dealer Partner

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
  • Nonrecourse (franchise stores only)

Dealer-Friendly Underwriting

  • Automatic approvals
  • Complete deal structuring
  • Credit hours Monday to Friday until 6 p.m., plus Saturdays and most holidays
  • 24/7 decisioning via the dealer Extranet
  • 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 "Santander Auto"

Sales and Marketing Support

  • Expert program education for dealership personnel (F&I, sales and accounting)
  • Dedicated field sales representative
  • 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

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