Social & Sustainable Capital (SASC) Reviews

Today, I finished paying off my car! I bought my car in 2017, a 2014 Nissan Rogue. They never repossessed my car, even after missing so many payments. All I had to do was call them, and they would work with me, at times deferring my payments. They are the best! If I ever buy a car through a bank, I hope Santander allows me to buy through them. I loved them so much! But I am happy this car is finally paid off.

I made double and triple payments throughout the year. They say I am past due for June. According to their records, I have 23 payments left, but if I pay the monthly amount, I have 14 payments left, which they agree with. How am I late?

They add random money to your bill. I screenshot all my bills; they add extra money and don't say where it comes from, and they don't speak English. Ridiculous

Please don't do it. This is one of the worst companies in the world, so unprofessional. I paid off a car in January, but it hasn't been reported to any of the credit bureaus. I've been calling, asking them to report it to the bureaus, but they told me they don't report when a vehicle is paid off. What a scam. This is so unheard of. I do not recommend this company to anyone, so please be aware of what you are facing when you finance through this company.

Santander is one of the worst finance companies to work with. Their customer service is awful. I don't even have my car anymore, as it was totaled. Yes, I had gap insurance, and the insurance company covered it. However, I still had to pay over $1,000 on top of that. I made a settlement agreement, and they didn't honor it in the end. I had to pay an additional $200. When I called about it, I was told it was all paid off and when I checked to make sure it was after the time frame that they said it was still there, and I was told there was nothing they were willing to do. When I made a payment, I would call, but everything has to be done through the portal, and you're charged an additional fee as well. I would recommend finding a different finance company by any means necessary, as they do not try to assist or offer any solutions. They are just a money-hungry company and couldn't care less about anyone. They try to wring every penny they can from you with practices that are unfair to the public. They should just close their doors and go bankrupt with the way they treat people. I don't understand how they stay in business, other than by being the last resort for people who need financing, but there are certainly other companies that will finance.

From Bad to Worse – A Cautionary Tale When I first sought a loan, this company approved me—but at a staggering 24% interest rate due to a poor credit score, which I believe was heavily influenced by the economic conditions during the Biden administration. Despite the high rate, I accepted the loan as it seemed like my only option. For 18 months, I made consistent, timely payments, leading to a significant improvement in my credit score. However, when I encountered unexpected financial difficulties, I reached out to negotiate a payment plan. I was assured that if I made the agreed-upon payment, I wouldn't be reported as 30 days late. Contrary to their assurance, they reported me as late regardless. Consequently, my credit score plummeted over 100 points, leaving me with this blemish for the next seven years. This incident has severely hampered my ability to refinance the loan and obtain more favorable terms. The impact is even more profound as a small business owner. The manner in which this company handled the situation was thoughtless and unprofessional. I'm sharing this review to caution others—avoid using this company if you have any other options. I lacked alternatives 18 months ago. Currently, my sole aim is to refinance this loan with a different lender and rectify the harm done to my credit. There is a need for increased consumer protection against such companies. At the moment, it feels as though our options for recourse are severely limited.