Filed Pursuant to Rule 433

Registration No. 333-284121-06

Free Writing Prospectus dated February 10, 2026

 

Santander Drive Auto Receivables Trust 2026-1

Issuing Entity

 

Santander Drive Auto Receivables LLC		Santander Consumer USA Inc.
Depositor		Sponsor
Santander Bank, N.A.
Servicer

The depositor has prepared a preliminary prospectus dated February 10, 2026 which describes the notes to be issued by the issuing entity. You should review the preliminary prospectus in its entirety before deciding to purchase any of the notes.

Ratings

The depositor expects that the following classes of notes issued by the issuing entity will receive the indicated credit ratings from the nationally recognized statistical rating organizations, or “rating agencies,” listed below.

 

		Fitch Ratings, Inc.		Moody’s Investors Service, Inc.
Class A-2 Notes		AAAsf		Aaa (sf)
Class A-3 Notes		AAAsf		Aaa (sf)
Class B Notes		AAsf		Aaa (sf)
Class C Notes		Asf		Aa2 (sf)
Class D Notes		BBBsf		Baa2 (sf)

It is a condition to the issuance of the notes that, on the closing date, each class of notes receives at least the ratings listed above.

 

 

Underwriters

 

Citigroup		RBC Capital Markets		Santander		Wells Fargo Securities
Co-Managers solely with respect to the Class A notes:
CastleOak Securities, L.P.				Ramirez & Co., Inc.

 

 

The depositor has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the depositor has filed with the SEC for more complete information about the depositor, the issuing entity and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the depositor, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-800-831-9146 or by emailing prospectus@citi.com.