I believe Santander C. worked with the dealership Hare Chevrolet in Noblesville, Indiana to charge me an astronomical interest rate with outrageous rates! I told them in the beginning that the payment was too high for my income and they lied to me and told me that I could refinance the loan for a lower rate after 1 year. When I called back to to so, they told me that they don't refinance their own loans. They have been a problem the entire duration of the payment plan. I purchased the car in Feb 2015