Overview

Santander Consumer USA is a major auto lender. They offer SCRA rate caps on vehicle financing originated before active duty.

Contact Information
Customer Service
1-888-222-4227
Fax
1-214-237-9020
Mailing Address
Santander Consumer USA
Attn: SCRA
P.O. Box 961245
Fort Worth, TX 76161

Eligible Products

Santander offers SCRA benefits on the following products when the account was opened before your active duty service began:

  • Auto Loans: Vehicle financing through Santander

How to File Your Claim

  1. 1

    Call Santander

    Contact customer service for SCRA benefits.

  2. 2

    Submit Orders

    Fax or mail your military orders.

  3. 3

    Confirm Processing

    Verify rate reduction on your account.

Required Documents

Document Checklist
Military Orders — Showing active duty start date
Account Number — Santander loan account number

Processing Time

Santander typically processes SCRA requests within 21-30 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, Santander will calculate all excess interest paid since your service start date and issue a refund, typically as a statement credit or check.

Tips for Success

Pro Tips
  • Rate cap applies to pre-service auto loans
  • Request retroactive refund explicitly

Get the 6% Rate Cap — We File for You

We handle the paperwork, calls, and follow-ups. One $59 filing covers Santander and all your other lenders.