This auto finance company aims to put credit-impaired car buyers in the driver's seat. Santander Consumer USA (SCUSA) makes subprime new and used vehicle loans to buyers at more than 14,000 Chrysler, Ford, GM, and Toyota dealerships throughout the US. The technology-driven company also originates loans through independent dealers, such as CarMax, banks, and its direct-to-consumer website Roadloans.com. SCUSA also provides refinancing and cash-back refinancing services. While subprime loans make up more than 80% of its loan portfolio, the company is looking to increase its prime loan business. Founded in 1995, SCUSA is owned by Spanish banking giant Banco Santander, SA. The company went public in 2014.