Credit Cards Center Credit cards from our partners
Reply
New Member
Posts: 8
Registered: ‎09-14-2012
0

Santander consumer

Any info on this company is appreciated. How easy are they to get auto finance for poor credit?  Intrest rate?  Thanks for the info

Regular Contributor
Posts: 169
Registered: ‎03-29-2012
0

Re: Santander consumer

They deal specifically with poor credit.  I've seen people get financed for up to 30%.  I had below average credit and got 16 percent


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Regular Contributor
Posts: 150
Registered: ‎06-20-2012
0

Re: Santander consumer

I have had an auto loan with santander and they were there when my credit was bad, but everytime you login to make an online payment it costs 10.95. Crazy.... I was at 18 percent on my loan before i refinanced with a credit union. They get a really bad rap in the comunity - and i was embarassed to tell anyone who it was financed through. If it is your last resort I would say go for it and refinance when your credit improves!

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
0

Re: Santander consumer

If you type in Santander in the search bar right under the orange letters at the top right of the screen, you can see what people have to say about them.

New Member
Posts: 8
Registered: ‎09-14-2012
0

Re: Santander consumer

Thanks azheather, just saw it. Im new to the forum scene

Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
0

Re: Santander consumer


Foreman500 wrote:

Thanks azheather, just saw it. Im new to the forum scene


Welcome!  Everyone here is extremely helpful and supportive, so don't be afraid to ask questions. 

Good Luck!

Established Contributor
Posts: 506
Registered: ‎02-29-2012
0

Re: Santander consumer

I have them. Been with them since 10/11/2011, still with them. I pay 19% interest.  They gave me credit when no one else would I was in the 400's. I had to put 1800 down on my 2010 Versa SL.  I will refi in Nov/Dec. Yes the 10.95 is a pain but that can be avoided if you set up direct debit.

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Highlighted
Regular Contributor
Posts: 150
Registered: ‎06-20-2012
0

Re: Santander consumer

you know, looking back on things I should have joined a credit union to start out with. Even wells fargo denied me for auto financing... and i have a 679 transunion. after having santander - I paid on a loan for a year and paid down the principal by only 1000 bucks. after making 12 - 400 dollar payments. I could have bypassed all of this mess had a joined a CU right away. just my .02

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Established Contributor
Posts: 506
Registered: ‎02-29-2012
0

Re: Santander consumer

WF denied me last year too.  I guess I have been lucky enough that my principal has gone down more the 1k in the 11 months I have had it. It is now at 1400 paid down in 11 months. I have been paying 350.50.

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Established Contributor
Posts: 586
Registered: ‎07-20-2008
0

Re: Santander consumer

Santander is ok if you are credit challenged.  I received a 5 yr $20k 12.9% with an auto enhanced score of 605 I think.  Wish I'd gone the CU route however.  Hoping to refi around Dec of this year.  They are ok, if you pay on time and you can skirt the payment fee with auto pay.

Sigh... Starting over... OpenSkycc $300 08/15 *Chap7 discharged 7/29/15
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.