I don't know what the deal is with Santander. We went through a bankruptcy and Santander let us pick any car we wanted. Interest was low compared to other banks. We had a problem with the first payment(gave wrong info by mistake) and the payment was denied. We fell 3 days behind before we realized what happened. We got it figured out and Santander was EXCELLENT! They were very nice over the phone and even waived the $10.95 Processing fee. It's been six months now and have yet to have any problems with them. Everytime we call them with a question they are curtious and will try to answer your questions. My last auto loan was with M&T with a 720+ credit score and we had more problems with them than we have with Santander.