Servicemembers Civil Relief Act (SCRA)

Couple with SUV

The Servicemembers Civil Relief Act (SCRA) is intended to ease the burden of military service, providing specific benefits and protections when a Servicemember is called to active duty.

Santander Consumer USA recognizes the compromises and sacrifices you make for our country as a U.S. Servicemember. That's why we are committed to serving you by providing a SCRA program that goes beyond the minimum requirements.

We start by conducting regular searches of the Defense Manpower Data Center (DMDC) database to identify eligible customers. Once identified, the accounts are placed in SCRA status and account owners are notified of the benefits they will receive. If you are a Servicemember, you should also notify Santander Consumer USA of your active duty military service to ensure that you receive the SCRA protections you are entitled to receive.

Benefits of the Santander Consumer USA SCRA program include:

  • An interest rate of six percent for the period of active duty
  • No servicing-related fees assessed on accounts approved for SCRA protection
  • Protection from repossession of collateral unless a court order or written waiver is obtained
  • The option to terminate a motor vehicle lease without an early termination fee if:
    1. You enter a period of military service or deployment of 180 days or more, or
    2. You are already in active duty service and receive qualifying orders:
      1. for a permanent change of station from a location in the United States to a location outside of the continental United States or from a state, territory, or possession of the United States outside the continental United States to any location outside that state, territory, or possession of the United States, or
      2. to deploy with a military unit, or as an individual in support of a military operation, for a period of 180 days or more.

In connection with the above SCRA program, Santander Consumer USA has extended the rights granted to a Servicemember under the SCRA for an additional 90 days after the end of active duty service.

Protections for SCRA Ineligible Servicemembers with TCS Orders

The Santander Consumer USA SCRA program extends SCRA protections, including the six percent interest rate, when applicable, no service related fees assessed on accounts, and the protection against repossession, to otherwise ineligible Servicemembers who receive temporary change of station orders after they enter into their contract with Santander Consumer USA. Typically the SCRA only provides limited benefits and protections for contracts entered into prior to military service. If you receive temporary change of station orders, you may obtain additional benefits by providing a copy of those orders to Santander Consumer USA.

SCRA Eligibility

If Santander Consumer USA does not obtain active duty information from the DMDC, at least one of the following documents must be provided in order to establish eligibility for protection under the SCRA.

  1. Deployment orders
  2. Letter from a commanding officer that includes the following:
    • Drafted on official letterhead
    • Contact information for the officer writing the letter
    • Your full name and Social Security number or date of birth
    • The period of military service and either that the service is indefinite or the date on which the military service ended or is scheduled to end
  3. Guard/Reservists call to duty or ordered to active duty
  4. Enlistment or initial active duty for Training (ADT) orders
  5. Annual training orders, including amended annual training orders, for Reservists and National Guard
  6. Temporary Change of Station (TCS), Temporary Duty (TDY) and Temporary Additional Duty (TAD) orders
  7. Permanent Change of Station (PCS) orders
  8. Leave and Earnings Statement (LES)
  9. Extension or continuation orders
  10. Any other official document prepared exclusively by a branch of the military, the Department of Defense (DOD) or a commanding officer that indicates you are on active duty

Santander Consumer USA conducts regular reviews of the DMDC and grants SCRA protections when customers are eligible for SCRA protections, but sometimes the DMDC does not accurately reflect a Servicemember's active duty status. If you are an active duty Servicemember and have not already been granted a six percent interest rate reduction, you should submit a request to Santander Consumer USA for a six percent interest rate reduction. Please include one of the eligible documents outlined above so that you will be eligible for a six percent interest rate reduction even if the DMDC does not confirm your active duty service. Your request for the interest rate reduction must be received within 180 days of the end of your active duty period in order to qualify for the six percent interest rate reduction. Benefits will be applied retroactively to your account for eligible active duty service before the date on which the interest rate reduction is granted. If you have questions regarding this process, please contact our SCRA team of specialists at (888) 222-4227.

Non-contracted spouse or dependent of an eligible servicemember (if applicable), whom can produce a copy of active orders and either

  • A marriage certificate and a copy of the military identification or
  • A power of attorney

Dependent coverage may also require a copy of tax returns, validating dependent status.

SCRA Credit Bureau Reporting

Santander Consumer USA will not report to the credit bureau for all SCRA-protected accounts. Upon request, we will provide a letter of good standing to Servicemembers subject to SCRA protections with a transaction history reflecting timely payments or a SCRA waiver to reinstate credit bureau reporting.

Contact Us

Email
SCRATeam@SantanderConsumerUSA.com

Phone
Our dedicated team of SCRA specialists at (888) 222-4227 can be reached from 7 a.m. to 7 p.m. CST, Monday through Friday.

Fax
(214) 615-3999

Mail

Santander Consumer USA
Attn: SCRA Department
P.O. Box 882517
North Richland Hills, TX 76180

Overnight Mail

Santander Consumer USA
5201 Rufe Snow Drive, Suite 400
North Richland Hills, TX 76180

SCRA FAQ

  1. What is the Servicemembers Civil Relief Act (SCRA)?

    The Servicemembers Civil Relief Act (SCRA), formerly known as the Soldiers' and Sailors' Civil Relief Act (SCRA), is a federal law that provides protections to individuals in military service. The law's purpose is to postpone, suspend, terminate or reduce the amount of certain civil obligations so that members of the armed forces and certain other individuals can focus their full attention on their military or professional responsibilities without adverse consequences for themselves or their families.

    At Santander Consumer USA, we are proud to provide our Servicemembers with a SCRA program that goes beyond the minimum requirements.

  2. If I am receiving SCRA benefits, do I still need to make a payment?

    Yes, payments are still required on accounts receiving SCRA benefits.

  3. Who is eligible for SCRA benefits under the Santander Consumer USA SCRA program?

    Servicemembers called to active duty with one of the following branches:

    • Army, Navy, Air Force, Marine Corps or Coast Guard (including each respective Reserve Component)
    • National Guard

    In addition, SCRA extends protection to include:

    • Active, commissioned officers of the Public Health Service or National Oceanic and Atmospheric Administration
    • U.S. citizens who are members of an allied nation's military service
    • Draft inductees ordered to report for induction into the military, beginning on the date they receive their orders
    • Spouses and dependents of eligible active duty Servicemembers, producing the proper, required documentation
  4. What documents are required to receive SCRA benefits with Santander Consumer USA?

    Although Santander regularly searches the Defense Manpower Data Center (DMDC) to determine Servicemember status and grant SCRA protections to eligible borrowers, sometimes the DMDC has incorrect or incomplete information. In order to ensure that all SCRA benefits are provided, at least one of the following documents should be provided:

    • Deployment orders
    • Letter from a commanding officer that includes the following:
      • Drafted on official letterhead
      • Contact information for the officer writing the letter
      • Your full name and Social Security Number or date of birth
      • The period of military service, including the start date and either that the service is indefinite or the date on which the military service ended or is scheduled to end
    • Guard/Reservists call to duty or ordered to active duty
    • Enlistment or Initial Active Duty for Training (ADT) orders
    • Annual training orders, including amended annual training orders, for Reservists and National Guard
    • Temporary Change of Station (TCS), Temporary Duty (TDY) and Temporary Additional Duty (TAD) orders
    • Permanent Change of Station (PCS) orders
    • Leave and Earnings Statement (LES)
    • Extension or continuation orders
    • Any other official document prepared exclusively by a branch of the military, the Department of Defense (DOD) or a commanding officer that indicates you are on active duty
  5. Are all of my accounts eligible for SCRA benefits?

    While the SCRA provides benefits and protections for contracts entered into prior to military service, the Santander Consumer USA SCRA program offers assistance with any account where you provide a copy of your TCS, TDY or TAD orders reflecting a temporary change of station after you entered into your contract.

  6. Who do I contact to receive SCRA benefits?

    Email
    SCRATeam@SantanderConsumerUSA.com

    Phone
    Our dedicated team of SCRA specialists at (888) 222-4227 can be reached from 7 a.m. to 7 p.m. CST, Monday through Friday.

    Fax
    (214) 615-3999

    Mail

    Santander Consumer USA
    Attn: SCRA Department
    P.O. Box 882517
    North Richland Hills, TX 76180

    Overnight Mail

    Santander Consumer USA
    5201 Rufe Snow Drive, Suite 400
    North Richland Hills, TX 76180

  7. Will my account be reported to the credit bureau?

    Santander Consumer USA will not report to the credit bureau for all SCRA-protected accounts. Upon request, we will provide a letter of good standing to Servicemembers subject to SCRA protections with a transaction history reflecting timely payments or a SCRA waiver to reinstate credit bureau reporting.

  8. What is the Defense Manpower Data Center (DMDC)?

    A database maintained by the Department of Defense DOD, the DMDC contains information to help determine a Servicemember's eligibility for SCRA benefits and protection. Santander Consumer USA conducts searches of the DMDC database to identify and contact customers who qualify for the Santander Consumer USA SCRA program.

  9. Where can I go to get more information about the SCRA?

    If you have questions or want more information regarding your rights under the SCRA, contact your unit's judge advocate or your installation's legal assistance officer. A military legal assistance office locator for all branches of the armed forces is available here.

    You can also find information at Military OneSource. A comprehensive online resource for the U.S. Department of Defense's DOD information, Military OneSource can also be reached by phone at (800) 342-9647 within the United States Dialing instructions for areas outside the United States are specific to your international location and can be found on the website.