Payment Options

Choose a payment option below that best meets your needs.

To help you make your payment on time, we offer a variety of payment options.

Auto Pay

Auto Pay is fast, easy and FREE.

Sign up for Auto Pay and your monthly payments will be automatically deducted from your personal checking or savings account and credited to your account on the payment due date. Please note, your account must not be past due on payments to be eligible for the Auto Pay program.

Enroll Online

Once your Auto Pay enrollment has been accepted, your account will be updated to reflect Auto Pay participation in approximately five to seven business days. Auto Pay enrollment will remain in effect until canceled. Refer to your authorization enrollment disclosures for all instances in which Auto Pay may be canceled.

Pay Online

Log in to MyAccount to use one of these payment options.

Make a free one-time ACH payment
Enter your checking or savings bank account information and complete the payment details.

Pay by debit card
Add debit card information then complete your payment details to make a same-day payment.
A fee of $3.28 will apply to payments made using a debit card.*

Use Apple Pay, Google Pay, PayPal and Venmo
Select your preferred option and follow the easy steps to make your payment.
A fee of $3.28 will apply to debit payments by Apple Pay and Google Pay, and a fee of $6.75 will apply to payments by PayPal and Venmo.*

*Please note that Santander Consumer USA’s third-party payment processing partners charge a fee to process your payment. Santander Consumer USA retains no part of these fees.

MyAccount

Pay by Phone

Call our automated system at (888) 222-4227 to make a free payment using your checking or savings bank account. Make sure you have your Santander Consumer USA account number and your checking or savings bank account information ready when you call. Paying with a checking or savings bank account is free, but a fee of $3.28 will apply to debit card payments made by the automated phone system or with a live agent.*

These payments are effective on the day that the payment is made, though it is common for a bank to take 24 to 48 hours to withdraw the funds. Please make sure that any funds you commit to paying remain in your checking or savings bank account until the transaction has been completed.

*Please note that Santander Consumer’s third-party payment processing partners charges a fee to process your debit card payment made by the automated phone system or with a live agent. Santander Consumer USA retains no part of that fee.

Pay by Mail

If you wish to pay with a personal check, cashier’s check or money order via regular mail, please make the payment payable to Santander Consumer USA and send it to the address listed on the pay stub attached to the bottom of your monthly statement.

We accept mailed money orders, cashier’s checks and personal checks. We do not accept credit cards, third-party checks, title-stipulated drafts, checks with restrictive endorsement, checks issued by a foreign bank or cash if received by mail.

Your monthly statement includes a payment stub complete with correct mail-to address, amount due and your account information. For prompt and accurate processing of your payment, please make your payment payable to Santander Consumer USA, write your 7-digit account number on your check and return it with your payment stub in the envelope provided with your statement.

Please note that it takes seven to ten business days for a payment to process via mail. For this reason, it is inadvisable to send a late payment via regular mail. If your payment due date is fast approaching, or a holiday or weekend is near, you may want to consider one of the alternate payment options provided.

All mailed payments, including overnight and certified payments, generally post to your account within three business days after the payment is received.

Santander Consumer USA
P.O. Box 660633
Dallas, TX 75266-0633

If you wish to send a payment in the form of a personal check, cashier’s check or money order via overnight mail, certified mail or next-day air, please make it payable to Santander Consumer USA and send it to:

Santander Consumer USA
3000 Kellway Drive, Suite 120
Carrollton, TX 75006

Cash and in-person payments are not accepted at these locations

Make a cash payment at 7-Eleven, CVS Pharmacy or other stores nationwide. It is easy and convenient!

Pay Santander Consumer USA with cash at a location near you. Use PayNearMe to make a cash payment at 7-Eleven, CVS Pharmacy or other stores nationwide – most open 24 hours a day, 7 days a week. PayNearMe may charge a fee* for retail locations.

3 Simple Steps:

  1. Click the Get your PayCode button below to get your Payment Code printed or texted to your phone.
  2. Take your Payment Code and cash to a nearby 7-Eleven, CVS Pharmacy or many other stores nationwide and show it to the cashier. See all PayNearMe payment locations.
  3. Make your cash payment at the cashier and keep your receipt for proof of payment.

Get Your PayCode

A fee of $3.99 will apply to payments made using cash.*

*Please note that the third-party payment processing company, PayNearMe, may charge a fee to process your payment. Santander Consumer USA retains no part of this fee.

Need to get your payment in quickly to avoid further interest accrual on your account?
To complete this transaction, please go to Western Union online, or take cash payment to a Western Union agent near you, or use the Quick Collect by Phone service with a VISA or MasterCard debit card. Call toll-free at (800) 325-6000 for assistance. Western Union may charge a fee* for transactions.

You will need the following information:

  • City Code: Pitstop
  • State Code: TX
  • Your Account Number

*Please note that the third-party payment processing company, Western Union, may charge a fee to process your payment. Santander Consumer USA retains no part of this fee.

Use MoneyGram® ExpressPayment® service to make your payment at approximately 33,000 MoneyGram agent locations nationwide including Walmart and CVS Pharmacy. MoneyGram may charge a fee* for all retail locations.

Click here to find the MoneyGram agent nearest you or call 1-800-MONEYGRAM. To make a same-day**, guaranteed payment with MoneyGram, use Receive Code 1544.
For many MoneyGram locations, including Walmart, please start by completing a blue ExpressPayment form with the following information:
Receive Code: 1544
Account Number: Your Santander Consumer USA account number
Company Name: Santander
City/State: Dallas, TX

See a blue ExpressPayment form Sample

For FormFree® locations such as CVS Pharmacy, please follow these steps:

  • Locate the MoneyGram kiosk or phone and follow the instructions provided.
  • When prompted for the transaction type, select Pay A Bill from the menu list.
  • Enter your telephone number.
  • You will be instructed to confirm your telephone number, name, address, account number, the amount of your payment and the receive code of the recipient (Santander Consumer USA receive code is 1544).
  • You will receive key information which you will want to write down.
  • Take all key information to the cashier at the retail location. The cashier will collect the cash and the MoneyGram fee and complete the payment.

*Please note that the third-party payment processing company, MoneyGram, may charge a fee to process your payment. Santander Consumer USA retains no part of this fee.
**Payment notification is made to Santander Consumer USA each day.

When time is of the essence, Santander Consumer USA accepts payment through CheckFreePay, the largest processor of walk-in bill payments in the United States.

The service enables customers to walk into any one of nearly 25,000 retail locations nationwide to make their monthly car payment the same day (depending on when payment is made), next day or within three days. All you need to do is take the bottom portion of your statement and cash payment to the nearest CheckFreePay location where they will process your payment. CheckFreePay may charge a fee* at retail locations. For your convenience, the CheckFreePay service is located in large retailers, convenience stores and grocery stores.

Find the nearest location easily and quickly at the CheckFreePay website.

*Please note that the third-party payment processing company, CheckFreePay, may charge a fee to process your payment. Santander Consumer USA retains no part of this fee.

When your account is past due, if applicable, late fees may be assessed to your account in accordance with your contract and state law. You may also accrue additional interest since interest accrues on a daily basis.

message bubble

Can’t find what you need? See payment-related FAQs