SCRA Coordination Team
SCRA Coordination Team Santander's SCRA Coordination Team is here to answer questions about the Servicemember's Civil Relief Act (SCRA)

Financial Protection For Those Who Serve

The Servicemember's Civil Relief Act (SCRA) provides a wide range of protections and benefits for individuals in the military who are called to active duty or deployed. The intent of SCRA is to postpone or suspend certain civil obligations to enable servicemembers to devote full attention to duty and to relieve stress on family members of those deployed servicemembers.

It's important to all of us at Santander that the persons who serve in our country's military be aware of the protections and benefits SCRA provides. The questions and answers below provide valuable information that applies to the products and services offered by Santander.

Who is eligible under SCRA?
The SCRA covers all servicemembers (Army, Navy, Air Force, Marine Corps, Coast Guard), Reservists, and members of the National Guard while on active duty. The protection begins on the date of entering active duty and generally terminates within 30 to 90 days, and in some instances, up to a year after the date of discharge from active duty.

What are your SCRA benefits?
The SCRA is a broad statute that provides many benefits. Visit for more details.

What types of loan accounts are covered by SCRA?

  • Credit cards
  • Installment and auto loans
  • Mortgages and home equity loans and lines of credit
  • Loans secured by a deposit account, such as a CD
  • Other loans and lines of credit

It is important to remember that the SCRA interest benefit applies only to any existing loan made to a servicemember prior to the servicemember being called to active duty.

Key Benefits of the SCRA

Reduction on Interest Rates and Reduced Payments
Your loan or credit card rate will be reduced to 6%, if you incurred the debt before entering active military duty. This reduced rate is effective for the entire period of your active military duty. If the debt is secured by collateral, such as your home, vehicle, or Certificate of Deposit, the reduced rate will continue to apply for a period of time after your active military duty ends.
Auto Lease Termination
You may terminate the lease of your vehicle, if you entered into the lease while in military service or are called to military service, are deployed or receive a Permanent Change of Station orders during the terms of your lease, under certain circumstances.
Protection From Repossession
Your vehicle may not be repossessed while you are in military service without a court order if you purchased or leased your vehicle and made a deposit or installment payment before you entered military service.
Protection From Foreclosure
Your property may not be foreclosed on during any period of military service and for 12 months thereafter, without a court order, if you obtained a mortgage on your property before you entered into military service.

How do I take advantage of the benefits?

You can request benefits by doing one of the following:

  • Call 1.844.SAN.SCRA (844.726.7272) to request the benefit
  • Submit a written request with a copy of your military orders to:
    Santander Bank ,N.A.,
    SCRA, MA1 MB5 01 03,
    2 Morrissey Blvd.
    Dorchester, MA 02125
  • Email a request with a copy of military orders to
  • For customers with hearing impairments, please call TTY/TDD 800-428-9121.

Additional Servicemember Resources:

US Department of Veteran Affairs
Veterans Health Administration
Federal Benefits for Veterans, Dependents and Survivors
Servicemembers Civil Relief Act
Veterans Crisis Line

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