POWER OF ATTORNEY

            The undersigned hereby constitutes and appoints each of
Eldridge A. Burns, Jr., and Kristopher Tate, signing singly, as the
undersigned's true and lawful attorney-in-fact to:

  (1)  execute for and on behalf of the undersigned, in the undersigned's
       capacity as a director and/or officer of Santander Consumer USA Holdings
       Inc. (the "Company"), Forms 3, 4 and 5 in accordance with Section 16(a)
       of the Securities Exchange Act of 1934, as amended, and the rules
       thereunder (the "Exchange Act") and Form ID, if necessary, to obtain
       EDGAR codes and related documentation for use in filing Forms 3, 4 and 5;

  (2)  do and perform any and all acts for and on behalf of the undersigned
       which may be necessary or desirable to complete and execute any such Form
       3, 4 or 5 or Form ID, complete and execute any amendment or amendments
       thereto, and file such forms with the U.S. Securities and Exchange
       Commission and any stock exchange or similar authority;

  (3)  take any other action of any type whatsoever in connection with the
       foregoing which, in the opinion of such attorney-in-fact, may be of
       benefit to, in the best interest of, or legally required by, the
       undersigned, it being understood that the documents executed by such
       attorney-in-fact on behalf of the undersigned pursuant to this Power of
       Attorney shall be in such form and shall contain such terms and
       conditions as such attorney-in-fact may approve in such attorney-in-
       fact's discretion; and

  (4)  seek or obtain, as the undersigned's attorney-in-fact and on the
       undersigned's behalf, information regarding transactions in the Company's
       securities from any third party, including brokers, employee benefit plan
       administrators and trustees, and the undersigned hereby authorizes any
       such person to release any such information to such attorney-in-fact and
       approves and ratifies any such release of information.

       The undersigned hereby grants to each such attorney-in-fact full power
and authority to do and perform any and every act and thing whatsoever
requisite, necessary, or proper to be done in connection with the exercise of
any of the rights and powers herein granted, as fully to all intents and
purposes as the undersigned might or could do if personally present, with full
power of substitution or revocation, hereby ratifying and confirming all that
such attorney-in-fact, or such attorney-in-fact's substitute or substitutes,
shall lawfully do or cause to be done by virtue of this Power of Attorney and
the rights and powers herein granted.  The undersigned acknowledges that the
foregoing attorneys-in-fact, in serving in such capacity at the request of the
undersigned, are not assuming, nor is the Company assuming, any of the
undersigned's responsibilities to comply with Section 16 of the Exchange Act.

       This Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4, and 5 with respect to the
undersigned's holdings of and transactions in securities issued by the Company,
unless earlier revoked by the undersigned in a signed writing delivered to the
foregoing attorneys-in-fact.

       This Power of Attorney does not relieve the undersigned from
responsibility for compliance with the undersigned's obligations under the
Exchange Act, including, without limitation, the reporting requirements under
Section 16 of the Exchange Act.  Additionally, although pursuant to this Power
of Attorney the Company will use commercially reasonable best efforts to timely
and accurately file Section 16 reports on behalf of the undersigned, the Company
does not represent or warrant that it will be able to in all cases timely and
accurately file Section 16 reports on behalf of the undersigned due to various
factors and the undersigned's and the Company's need to rely on others for
information, including the undersigned and brokers of the undersigned.

                            [Signature Page Follows]


     IN WITNESS WHEREOF, the undersigned had caused this Power of Attorney to be
executed as of this 17th day of July, 2015.


                                        By: /s/ Robert J. McCarthy
                                           --------------------------
                                        Name: Robert J. McCarthy