With its Drive brand, Santander Consumer USA is the leader in consistent, fast funding for non-prime finance deals.

Overview

1. $4.9 billion non-prime portfolio originated from a pool of more than 14,000 dealers
2. Leading provider of finance programs that cover then entire non-prime spectrum
3. Strong operating platforms in originations, funding and servicing, supported by a highly-developed analytics team
4. Owned by Santander, a top 10 global bank.
5. Executive management with decades of direct dealership experience

Multi-tiered Underwriting

1. Consistent approach to deal structuring
2. Every application is processed by our proprietary, risk-based scoring and pricing model
3. Simplified “one stop” approach offering B-D tier programs
4. Non-recourse (franchise stores only)

Dealer-Friendly Underwriting

1. Most approvals within two hours
2. Complete deal structuring
3. Extended hours (M-F until 7 p.m. Central, Saturdays and most holidays)
4. 24/7 decisioning
5. One-on-one communication with a dedicated buyer

Funding with Consistency and Support

1. 48- to 72-hour purchasing
2. Assistance in gathering stipulations
3. Online tools to review status of deals
4. Electronic funds transfer
5. Listed on DealerTrack and RouteOne as “Drive”

Sales and Marketing Support

1. Expert non-prime education for dealership personnel (F&I, sales and accounting)
2. Dedicated field sales representative
3. Dealer incentive programs
4. Hands-on problem resolution

Financial Strength and Stability

1. Track record of success in a highly fragmented industry
2. Incomparable financial backing; billions in assets
3. Consistent, profitable growth across varying economic cycles
4. An industry leader for more than a decade

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