Santander Consumer USA responds to Coronavirus impact on customers

We Care at Santander Consumer USA

Santander Consumer USA (SC) is taking the spread of Coronavirus (COVID-19) seriously as it affects our customers in many communities.

We are committed to doing everything we can to help our customers who might be affected by Coronavirus, because we understand that hardships may arise.

SC’s customer service team is standing by to review accounts of customers who need assistance and to explore potential options to help during this time. We have programs in place to help customers experiencing difficulty due to the impact of the virus.

Here is assistance customers can expect:

Requesting assistance online through MyAccount

Retail customers may qualify for an extension, which allows you to delay one payment by extending the term of your loan and moving that payment to the end of your loan. Please note that interest will continue to accrue during the period in which your monthly payment is delayed.

If an account meets certain requirements*, then an Extension Request button will appear within MyAccount so that customers can request extensions easily online without talking to an agent. If a button does not appear, you may call 1.888.222.4227.

To request assistance online through MyAccount, please follow these steps:

  • Click on the “Extension Request” button found on the Account Summary page.
  • Select your reason for the extension request from the “Extension Reason” dropdown and click Continue.
  • After submitting the reason for extension, you will see a link displayed that will download/open the extension agreement document. Print a copy of this agreement for your records.
  • Once you consent to the Terms in the agreement and the E-Sign Disclosure And Consent Notice, click on both check boxes.
  • Once the check boxes are chosen, the Submit Request button will appear. Click Submit Request.

Once you click Submit Request, your extension request will be complete and we will process your one- month extension. If you need to request an extension for longer than one month, you can log back in to MyAccount the following month and follow the same process, or call in and speak to an agent.

* Accounts will not be able to see the Extension Request button if they fit the following:

  • Customers residing in states that require a contract: MI, MA, PA and WI
  • Customers who have had a recent modification on their account within a rolling 30- day period
  • Customers who have had a recent extension request within a rolling 30- day period
  • Customers who have had 11 or more months extended within the life of their loan
  • Customers whose vehicle is out for repossession
  • Accounts that are charged off or not active
  • Accounts in bankruptcy

How to make a payment

Please be aware that we no longer are able to accept payments via agent, so please use one of our self-service options:

  • Make an ACH or debit card payment on our website, or through our interactive voice system. Additional fees may apply.*
  • Enroll in our Auto Pay program in which your monthly payment will be electronically drafted directly from your checking/savings account. Complete enrollment by logging in at
  • Mail your payment to Santander Consumer USA, P.O. Box 660633, Dallas, TX 75266
  • For additional payment options, visit Additional fees may apply.*

* A third-party payment processing company may charge a fee to process your payment

Other self-service options are available through MyAccount, where you can manage your account using online tools – live chat, make a payment, get your payment history and due dates, obtain payoff information or update your account information.

For other questions, please look for answers in the FAQ section of our website. Many of your questions will be answered there, and you will help keep phone lines free and wait times shorter for callers with the most urgent needs.

If you still need help or have questions regarding your Santander Consumer USA account resulting from the Coronavirus outbreak, you can reach us by phone at 888-222-4227.

Stay protected from scams!

Cyber criminals already have started to distribute Coronavirus phishing emails and scam calls that include decoy health advisories, Coronavirus cures, stimulus payments and health supplement in attempt to steal money and personal information. We suggest you follow these cybersecurity guidelines, as they may help keep your information secure:

  • Keep your software up to date on all your devices.
  • Regularly check your privacy settings.
  • Open or respond only to emails from known email addresses.
  • Keep your passwords safe.

Reminders on staying healthy

Meanwhile, it’s important we all take precautions to prevent the spread of germs during this outbreak. The CDC recommends that everyone:

  • Wash your hands often with soap and water for at least 20 seconds, especially after going to the bathroom; before eating; and after blowing your nose, coughing, or sneezing.
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
  • If soap and water are not readily available, use an alcohol-based hand sanitizer with at least 60% alcohol. Always wash hands with soap and water if hands are visibly dirty.
  • Avoid close contact with people who are sick.
  • Stay home when you are sick.
  • Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.

Help from the CDC

Visit the CDC website for more information on Coronavirus, including what you should know about the virus, prevention and symptoms, as well as situation updates in the U.S. and worldwide.

Our leadership team continues to monitor the situation closely and is following guidance from relevant authorities, including the Centers for Disease Control and Prevention (CDC), the World Health Organization (WHO) and various state and local governments.

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