Santander & Chrysler Capital Military Benefits: 6% SCRA

Santander Consumer USA is the auto lender behind Chrysler Capital, the brand it used as the preferred finance provider for FCA US (now Stellantis) dealers. Santander Consumer still owns those accounts. Since September 19, 2026, Santander Bank, N.A. services them under Santander branding, and chryslercapital.com now redirects to santanderconsumerusa.com. The SCRA gives you the 6% cap on a pre-service auto loan, and Santander Consumer’s SCRA page, read October 10, 2026, promises more: “A maximum 6% interest rate for the life of the loan” on an approved request, plus penalty-free lease termination. With this lender, the reason to be precise is its history.

The Justice Department has settled SCRA cases with Santander twice: a 2015 settlement covering 1,112 repossessions of servicemembers’ vehicles without court orders (760 by Santander itself, the rest by lenders whose loans it later bought), and a 2021 consent order over ten wrongly denied early lease terminations. The protections are strong, and so is the case for keeping a paper trail.

What you get

Santander Consumer’s terms as its SCRA page printed them on October 10, 2026, against the statute:

The cap, the no-repossession rule, and lease termination come from § 3937, § 3952, and § 3955. The life-of-loan term is the money line: under § 3937 alone a capped car loan goes back to its contract rate when your service ends, and Santander Consumer says it keeps it at 6% until the loan is paid. Its page also says timely payments are still required on accounts receiving SCRA benefits, and that late or missed payments may be reported to the credit bureaus.

Which Santander desk takes your request

Santander runs two SCRA desks. For an auto loan or lease, Santander Consumer’s page lists:

• Email: SCRATeam@SantanderConsumerUSA.com
• Phone: 888-222-4227, Monday through Friday, 7 a.m. to 9 p.m. CT
• Fax: (214) 615-3999
• Mail: Santander Consumer USA, Attn: SCRA Department, 1601 Elm Street, Suite 800, Dallas, TX 75201

Santander Bank, N.A. publishes a different desk for the bank products it offers: 1-844-SAN-SCRA (844-726-7272), SCRABenefits@santander.us, or Santander Bank, N.A., SCRA Mailcode MAQ-SCRA6, PO Box 841001, Boston, MA 02284. Santander Bank’s own website routes auto customers to Santander Consumer’s account login, so the Dallas desk is the one to use for a car. Santander Bank now services many Santander Consumer accounts, and Chrysler Capital accounts since September 19, 2026, while Santander Consumer still owns them. If you are unsure which desk holds your account, send the same packet to both.

How to apply

File your SCRA request with Santander or Chrysler Capital

1. Confirm the loan or lease was signed before your active-duty start date. For a lease signed during service, check your orders against Santander’s Early Lease Termination terms above.
2. Email SCRATeam@SantanderConsumerUSA.com, fax (214) 615-3999, or mail Santander Consumer USA, Attn: SCRA Department, 1601 Elm Street, Suite 800, Dallas, TX 75201. Questions: 888-222-4227.
3. Attach your orders, or other proof of active duty, with a § 3937 letter from the letter generator, and keep a copy of everything you send. File no later than 180 days after you leave service.
4. Ending a lease? Santander requires a written request, so send one even if you also call.
5. Confirm the 6% rate and any lease termination in writing, and save the confirmation. Keep making payments while you wait.
6. If a vehicle is repossessed or a termination is denied, you may have an enforcement claim. See how to make a lender pay.

Read this before you deal with Santander

This is a document-everything lender. Given the settlement history, do not rely on a phone call alone. Send written notice, keep proof of delivery, and save every confirmation. The stakes are not abstract: in a Justice Department case the court can assess civil penalties of up to $79,380 for a first SCRA violation and up to $158,761 for a subsequent one (28 CFR 85.5, for penalties assessed after July 3, 2025), on top of making you whole.

Repossession needs a judge. If you made a deposit or installment payment before active duty, Santander cannot repossess the car during service without a court order. If it does, that is the violation behind its 2015 settlement.

Lease termination is not a favor here either. Santander’s 2021 consent order covered ten servicemembers whose early lease terminations it rejected. If PCS or deployment orders qualify you to end a Santander or Chrysler Capital lease, put it in writing and hold them to it. See how to make a lender pay if they stall.

Pre-service only for the rate cap. A loan opened during service gets no 6% SCRA cap, and a purchase-money auto loan secured by the vehicle is excluded from the Military Lending Act as well (32 CFR 232.3(f)); the MLA vs SCRA guide sorts out which law reaches which debt. Compare lenders on the bank leaderboard.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute , or read § 3937 in plain English, with its enforcement record .