Exhibit 34.1



|     |  |  |  |  |  |                                                                                                                                      
|---- |  |  |  |  |  | -------------------------------------------------------------------------------------------------------------------------------------
|LOGO |  |  |  |  |  | Deloitte & Touche LLP
JPMorgan Chase Tower 2200 Ross Ave, Suite
1600 Dallas, TX 75201-6778
USA  Tel: +1 214 840 7000 www.deloitte.com

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Directors and Shareholders

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 Regulation AB 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 all privately and publicly issued auto loan asset-backed securities transactions issued since 2007 for which the Company acted as
servicer involving auto loans (the Platform) as of and for the year ended December 31, 2012, excluding criteria 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(ii), 1122(d)(4)(ix), 1122(d)(x), 1122(d)(xi), 1122(d)(xii), and
1122(d)(xiii), for securitizations serviced by the Company, and excluding criteria 1122(d)(2)(i), 1122(d)(2)(iii), 1122(d)(2)(vi), 1122(d)(4)(i), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(vi), 1122(d)(4)(vii), 1122(d)(4)(viii),
1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii), and 1122(d)(4)(xiv), for securitizations that are sub-serviced, which management has determined are not applicable to the activities performed by the Company with
respect to the Platform. Appendix A to managements assertions identifies the individual asset-backed transactions 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 the Companys compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants, as adopted by the Public 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 servicing activities 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 the circumstances. 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 specific asset-backed transaction 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 or reported 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 servicing criteria.

In our opinion, managements assertion that the Company complied with the aforementioned applicable servicing criteria as of and for the year ended
December 31, 2012 for the Platform is fairly stated, in all material respects.



LOGO

March 25, 2013



| |  |  |  |  |  |                                           
| |  |  |  |  |  | ------------------------------------------
| |  |  |  |  |  | Member of
Deloitte Touche Tohmatsu Limited