Frequent Contributor
fuzzybean
Posts: 304
Registered: ‎04-04-2012
Re: Santander consumer

We had them when we needed a car loan 2 years after our bankruptcy.  While the rate was far too high, we had absolutely no problem with them at all.  I never paid online so I cannot comment on that.  I always paid through my bank two weeks prior to the due date and it was always posted on time.  When we refinanced with another lender, they were very helpful and everything went smoothly.  It shows paid as agreed on the credit report. 

 

From what I've read, as long as you stay current you'll be fine.  However, if you miss a payment things can go south and fast.