What ever you do never sign up with Santander Consumer USA. It will be the worst mistake of your life if you must finance a vehicle. First of all, let me say that I finally decided to say F$%# it and just let them take the car back. I like many had lost my job and had recently begun to fall behind, but never more than a few days, at first.
But when I realized that Santander calls you up to five times a day whether you are a day late or 30 days I gave up trying to make arrangements with them or anything else after awhile. No car was worth the hassle and harassment I recieved. Five and six calls per day from various numbers along with rude messages clogging up my voicemail.
But it gets better. Before I gave the car back I contacted BBB wrote a long letter about their tactics and eventually got them to stop calling me. So just to share, you can definitely get them to stop harassing you. And even though I finally got them to stop the calls, the whole experience left such a terrible taste in my mouth I was done.
Long story short, I ended up getting into a wreck in the car. Since they could no longer contact me and after months of not paying for the car, I called to tell them exactly where they could pick it up and to leave me the F alone for good. No letters included.
Since everyone has bad credit these days you still can get another car. Of course there are other "high risk" companies but people I know who deal with these companies themselves because of their poor credit rating still hadn't experienced what I did.
I ended up getting something else and it was WELL worth it.