When Santander took over my auto loan from HSBC, I called to ask if I could get a lower rate as my credit had inproved. I also had a cosigner with excellant credit. They told me there were no options to refinance, even with a cosigner with a 740 credit score. I am paying a 10.6 percent loan, and am seeking to finance the balance of $9000 of my $25000 loan at a lower rate. I did not ask for Santander to take over my auto loan. read full review »