Never accept a car loan from santander. when i took my loan i was told i could refinance after 1 year of on time payments and get a better rate.after 1 year i called them and was told that they never refinance.also everyone banks and pays online these mdays and i pay my auto loan online. they take the money right out of my checking account that same day and all they charge me is $10.95. that's right you pay them to take your money. this company is a ripoff and they will stick it to you in every way every day, and in 4 years i have never been late or missed a payment. always pay ontime and still get the shaft read full review »