**Exhibit 34.1**

**REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

The Audit Committee of Santander Consumer USA Inc. 

Dallas,Texas 

We have examined management’s assertion, included in the accompanying Management’s Report on Assessment of Compliance with SEC RegulationAB Servicing Criteria, that Santander Consumer USA Inc. (the “Company”) complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission’s Regulation AB for SCUSA’s publicly offeredregistered SDART transactions consisting of auto loans (the “Platform”) as of and for the year ended December 31, 2015, excluding criteria 1122(d)(1)(iv), 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi),1122(d)(4)(xii) and 1122(d)(4)(xiii), which management has determined are not applicable to the activities performed by the Company with respect to the Platform. Appendix A to management’s assertion identifies the individual asset-backedtransactions defined by management as constituting the Platform. Management is responsible for the Company’s compliance with the servicing criteria. Our responsibility is to express an opinion on management’s assertion about theCompany’s compliance with the servicing criteria based on our examination. 

Our examination was conducted in accordance with the standards of thePublic Company Accounting Oversight Board (United States), and, accordingly, included examining, on a test basis, evidence about the Company’s compliance with the applicable servicing criteria, including tests on a sample basis of the servicingactivities related to the Platform, determining whether the Company performed those selected activities in compliance with the servicing criteria during the specified period, and performing such other procedures as we considered necessary in thecircumstances. Our procedures were limited to selected servicing activities performed by the Company during the period covered by this report and, accordingly, such samples may not have included servicing activities related to each asset-backedtransaction included in the Platform. Further, an examination is not designed to detect noncompliance arising from errors that may have occurred prior to the period specified above that may have affected the balances or amounts calculated orreported by the Company during the period covered by this report. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company’s compliance with the servicingcriteria. 

As described in management’s assertion for servicing criteria 1122(d)(2)(i), the Company has engaged a vendor to perform certainactivities required by this servicing criteria. The Company has determined that this vendor is not considered a “servicer” as defined in Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessingcompliance with the servicing criteria applicable to this vendor as permitted by the SEC’s *Compliance and Disclosure Interpretation 200.06, Vendors Engaged by Servicers*(“C&DI 200.06”) (formerly SEC Manual TelephoneInterpretation 17.06). As permitted by C&DI 200.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendor’s activities comply in all material respects with theservicing criteria applicable to this vendor. The Company is solely responsible for determining that it meets the SEC requirements to apply C&DI 200.06 for the vendor and related criteria as described in its assertion, and we performed noprocedures with respect to the Company’s determination of its eligibility to apply C&DI 200.06. 

In our opinion, management’s assertion that the Company complied with the aforementioned applicableservicing criteria as of and for the year ended December 31, 2015 for the Platform is fairly stated, in all material respects. 

 
/s/ Deloitte & Touche LLPDallas, TexasMarch 29, 2016