UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549





FORM 10-K





(Mark One)

|x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934.
|- | --------------------------------------------------------------------------------------

For the fiscal year ended December 31, 2015.

or



| ̈ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934.
|- | ------------------------------------------------------------------------------------------

For the transition period
from
to.





SANTANDER
DRIVE AUTO RECEIVABLES TRUST 2013-3

(Exact name of issuing entity as specified in its charter)

Commission file number of the issuing entity: 333-180147-06

Central Index Key Number of issuing entity: 0001575073

SANTANDER DRIVE AUTO RECEIVABLES LLC

(Exact name of depositor as specified in its charter)

Commission file number of depositor: 333-180147

Central Index Key Number of depositor: 0001383094

SANTANDER CONSUMER USA INC.

(Exact name of sponsor as specified in its charter)





Central Index
Key Number of sponsor: 0001540151

Delaware

(State or other jurisdiction of incorporation or organization of the issuing entity)

38-7091145

(I.R.S.
Employer Identification No. of the issuing entity)

c/o Santander Drive Auto Receivables LLC

1601 Elm Street, Suite 800

Dallas, Texas 75201

(Address of principal executive offices)

(214) 292-1930

(Telephone number, including area code)

Securities Registered Pursuant to Section 12 (b) of the Securities Exchange Act of 1934: None

Securities Registered Pursuant to Section 12 (g) of the Securities Exchange Act of 1934: None





Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
    Yes   ̈    No  x

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
    Yes   ̈    No  x

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  x    No   ̈

Indicate by check mark
whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the
preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).    Yes  x    No   ̈

Indicate by check mark if the disclosure of delinquent filers pursuant to Item 405 of Regulation S-K
(§229.405 of this chapter) is not contained herein and will not be contained, to the best of the Registrants knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment
to this Form 10-K.  x

Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, or a non-accelerated filer. See definition of accelerated filer and large accelerated filer in Rule 12b-2 of the Exchange Act. (Check one):



|                        |  |                                                  |  |                           |  |  
|----------------------- |  | ------------------------------------------------ |  | ------------------------- |  | -
|Large accelerated filer |  |  ̈                                                |  | Accelerated filer         |  |  ̈
|                        |  |                                                  | 
|Non-accelerated filer   |  | x  (Do not check if a smaller reporting company) |  | Smaller reporting company |  |  ̈

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the
Act).    Yes   ̈    No  x

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common
equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrants most recently completed second fiscal quarter. Not applicable.

List hereunder the following documents if incorporated by reference and the part of the Form 10-K (e.g. Part I, Part II, etc.) into which the document is
incorporated: (1) Any annual report to security holders; (2) Any proxy information statement; and (3) Any prospectus filed pursuant to Rule 424(b) or (c) under the Securities Act of 1933. The listed documents should be clearly
described for identification purposes (e.g., annual report to security holders for fiscal year ended December 24, 1980). None.









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PART I

The following items have been omitted in accordance with General Instruction J to Form 10-K:



| |  |          |  |                  
| |  | -------- |  | -----------------
| |  | Item 1:  |  | Business         
| |  |         
| |  | Item 1A: |  | Risk Factors     
| |  |         
| |  | Item 2:  |  | Properties       
| |  |         
| |  | Item 3:  |  | Legal Proceedings
| |  |         
| |  | Item 4:  |  | Reserved         

Item 1B. Unresolved Staff Comments.

Nothing to report.

Substitute information
provided in accordance with General Instruction J to Form 10-K:

Item 1112(b) of Regulation AB. Significant Obligors of Pool Assets (Financial
Information).

Nothing to report.

Item 1114(b)(2) of Regulation AB. Credit Enhancement and Other Support, Except for Certain Derivatives Instruments (Information Regarding Significant
Enhancement Providers).

Nothing to report.

Item 1115(b) of Regulation AB. Certain Derivatives Instruments (Financial Information).

Nothing to report.

Item 1117 of
Regulation AB. Legal Proceedings.

Since July 2014, Santander Consumer USA Inc. has received civil subpoenas and civil investigative
demands from various federal and state agencies, including from the U.S. Department of Justice under the Financial Institutions Reform, Recovery and Enforcement Act, the United States Securities and Exchange Commission and several state attorneys
general, requesting the production of documents and communications that, among other things, relate to the origination, underwriting and securitization of auto loans for varying time periods since 2007. Investigations, proceedings or
information-gathering requests that Santander Consumer USA Inc. is, or may become, involved in may result in adverse consequences to Santander Consumer USA Inc. including, without limitation, adverse judgments, settlements, fines, penalties,
injunctions, or other actions.





2



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Wells Fargo Bank, N.A., as the indenture trustee, has provided the following information: On
June 18, 2014, a group of institutional investors filed a civil complaint in the Supreme Court of the State of New York, New York County, against Wells Fargo Bank, N.A., in its capacity as trustee under 276 residential mortgage backed
securities (RMBS) trusts, which was later amended on July 18, 2014, to increase the number of trusts to 284 RMBS trusts. On November 24, 2014, the plaintiffs filed a motion to voluntarily dismiss the state court action
without prejudice. That same day, a group of institutional investors filed a civil complaint in the United States District Court for the Southern District of New York against Wells Fargo Bank, N.A., alleging claims against the bank in its
capacity as trustee for 274 residential mortgage backed securities (RMBS) trusts (the Complaint). In December 2014, the plaintiffs motion to voluntarily dismiss their original state court action was granted. As
with the prior state court action, the Complaint is one of six similar complaints filed contemporaneously against RMBS trustees (Deutsche Bank, Citibank, HSBC, Bank of New York Mellon and US Bank) by a group of institutional investor
plaintiffs. The Complaint against Wells Fargo Bank, N.A. alleges that the trustee caused losses to investors and asserts causes of action based upon, among other things, the trustees alleged failure to (i) enforce repurchase
obligations of mortgage loan sellers for purported breaches of representations and warranties, (ii) notify investors of alleged events of default purportedly caused by breaches by mortgage loan servicers, and (iii) abide by appropriate
standards of care following alleged events of default. Relief sought includes money damages in an unspecified amount, reimbursement of expenses, and equitable relief. Other cases alleging similar causes of action have been filed against Wells
Fargo Bank, N.A. and other trustees by RMBS investors in these and other transactions.

There can be no assurances as to the outcome of the
litigation, or the possible impact of the litigation on the trustee or the RMBS trusts. However, Wells Fargo Bank, N.A. denies liability and believes that it has performed its obligations under the RMBS trusts in good faith, that its actions were
not the cause of any losses to investors, and that it has meritorious defenses, and it intends to contest the plaintiffs claims vigorously.



3



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PART II

The following items have been omitted in accordance with General Instruction J to Form 10-K:



| |  |          |  |                                                                                                             
| |  | -------- |  | ------------------------------------------------------------------------------------------------------------
| |  | Item 5:  |  | Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
| |  |         
| |  | Item 6:  |  | Selected Financial Data                                                                                     
| |  |         
| |  | Item 7:  |  | Managements Discussion and Analysis of Financial Condition and Results of Operations                       
| |  |         
| |  | Item 7A: |  | Quantitative and Qualitative Disclosures about Market Risk                                                  
| |  |         
| |  | Item 8:  |  | Financial Statements and Supplementary Data                                                                 
| |  |         
| |  | Item 9:  |  | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure                        
| |  |         
| |  | Item 9A: |  | Controls and Procedures                                                                                     

Item 9B. Other Information.

Santander Consumer USA Inc. is a wholly-owned subsidiary of Santander Consumer USA Holdings Inc., a Delaware corporation (SC Holdings). SC Holdings
has not filed its Annual Report on Form 10-K for the fiscal year ended December 31, 2015 (the 2015 Form 10-K). Information about the delay of the filing of the 2015 Form 10-K can be found in SC Holdings Form 8-K filed with the
Securities and Exchange Commission (the SEC) on March 15, 2016. Additional information about SC Holdings, including information contained in required annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form
8-K, is on file with the SEC under the name Santander Consumer USA Holdings Inc. and file number 001-36270.



4



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PART III

The following items have been omitted in accordance with General Instruction J to Form 10-K:



| |  |          |  |                                                                                               
| |  | -------- |  | ----------------------------------------------------------------------------------------------
| |  | Item 10: |  | Directors, Executive Officers, and Corporate Governance                                       
| |  |         
| |  | Item 11: |  | Executive Compensation                                                                        
| |  |         
| |  | Item 12: |  | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
| |  |         
| |  | Item 13: |  | Certain Relationships and Related Transactions, and Director Independence                     
| |  |         
| |  | Item 14: |  | Principal Accounting Fees and Services                                                        

Substitute information provided in accordance with General Instruction J to Form 10-K:

Item 1119 of Regulation AB. Affiliations and Certain Relationships and Related Transactions.

Information required by Item 1119 of Regulation AB has been omitted from this report on Form 10-K in reliance on the Instruction to
Item 1119.

Item 1122 of Regulation AB. Compliance with Applicable Servicing Criteria.

Each of Santander Consumer USA Inc. and Wells Fargo Bank, National Association (each, a Servicing Participant) have been identified
by the issuing entity as parties participating in the servicing function with respect to the pool assets held by the issuing entity. Each of the Servicing Participants has completed a report on an assessment of compliance with the servicing
criteria applicable to it (each, a Report on Assessment), which Reports on Assessment are attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants has provided an attestation report (each, an
Attestation Report) by one or more registered public accounting firms, which reports are also attached as exhibits to this Form 10-K.

In April and May of 2014, Santander Consumer USA Inc., as servicer for Santander Drive Auto Receivables Trust 2013-5 (SDART
2013-5), erred in calculating the distribution of principal to the SDART 2013-5 Class A-2 noteholders. Under the relevant transaction documents, principal payments should have been made ratably to holders of the SDART 2013-5
Class A-2-A and Class A-2-B notes but instead were made solely on the Class A-2-A notes. The SDART 2013-5 transaction was the sponsors first transaction in several years in which principal payments were to be distributed
pro-rata between fixed rate and floating rate subclasses. Santander Consumer USA Inc. amended the transaction documents to make special payments to remedy the error and implemented additional processes and enhanced controls to ensure payment
distributions accurately reflect the legal documentation and transaction structure in the future.

Item 1123 of Regulation AB.
Servicer Compliance Statements.

Santander Consumer USA Inc. has been identified by the issuing entity as the servicer with respect to
the asset pool held by the issuing entity. The Servicer has completed a statement of compliance with applicable servicing criteria (a Compliance Statement) signed by an authorized officer of the Servicer. The Compliance
Statement is attached as an exhibit to this

Form 10-K.



5



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PART IV

Item 15. Exhibits and Financial Statement Schedules.



|(a)(1) | Not Applicable.
|------ | ---------------



|(a)(2) | Not Applicable.
|------ | ---------------



|(a)(3) | Not Applicable.
|------ | ---------------



|(b) | Exhibits.
|--- | ---------

The exhibits listed below are either included or incorporated by reference as
indicated:



|            |  |                                                                                                                                                                                                                                      
|----------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit No. |  | Description                                                                                                                                                                                                                          
|            | 
|1.1*        |  | Underwriting Agreement, dated as of May 8, 2013, among Santander Drive Auto Receivables LLC (Santander Drive), Santander Consumer USA Inc. (SC USA) and J.P. Morgan Securities LLC, as representative of the
several underwriters
|            | 
|3.1**       |  | Amended and Restated Limited Liability Company Agreement of Santander Drive dated as of March 7, 2007                                                                                                                                
|            | 
|4.1***      |  | Indenture, dated as of May 15, 2013, between the Santander Drive Auto Receivables Trust 2013-3, as issuer (the Issuer), and Wells Fargo Bank, National Association, as indenture trustee (the Indenture
Trustee)                 
|            | 
|10.1***     |  | Purchase Agreement, dated as of May 15, 2013, between SC USA and Santander Drive                                                                                                                                                     
|            | 
|10.2***     |  | Sale and Servicing Agreement, dated as of May 15, 2013, among the Issuer, Santander Drive, SC USA and the Indenture Trustee                                                                                                          
|            | 
|10.3***     |  | Administration Agreement, dated as of May 15, 2013, among the Issuer, SC USA, as administrator, and the Indenture Trustee                                                                                                            
|            | 
|10.4***     |  | Amended and Restated Trust Agreement, dated as of May 15, 2013, between Santander Drive and U.S. Bank Trust National Association, not in its individual capacity but solely as owner trustee for the Issuer                          
|            | 
|31.1        |  | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (Santander Drive)                                                                                                                                            
|            | 
|33.1        |  | Report on Assessment of Compliance with Applicable Servicing Criteria (SC USA)                                                                                                                                                       
|            | 
|33.2        |  | Report on Assessment of Compliance with Applicable Servicing Criteria (Indenture Trustee)                                                                                                                                            
|            | 
|34.1        |  | Attestation Report of Independent Registered Public Accounting Firm on Assessment of Compliance with Applicable Servicing Criteria for Asset Backed Securities (Deloitte & Touche LLP)                                               
|            | 
|34.2        |  | Attestation Report of Independent Registered Public Accounting Firm on Assessment of Compliance with Applicable Servicing Criteria for Asset Backed Securities (KPMG LLP)                                                            



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|     |  |                                                                                                                                                                                                                                                                          
|---- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|35.1 |  | Servicing Compliance Statement (SC USA)                                                                                                                                                                                                                                  
|     | 
|*    |  | Incorporated by reference from Form 8-K filed by Santander Drive Auto Receivables LLC (Commission File No. 333-180147) and Santander Drive Auto Receivables Trust 2013-3 (Commission File No. 333-180147-06) with the
Securities and Exchange Commission on May 10, 2013.
|**   |  | Incorporated by reference from Form S-3/A filed by Santander Drive Auto Receivables LLC (Commission File No. 333-165432) with the Securities and Exchange Commission on August 4, 2010.                                                                                  
|***  |  | Incorporated by reference from Form 8-K filed by Santander Drive Auto Receivables LLC (Commission File No. 333-180147) and Santander Drive Auto Receivables Trust 2013-3 (Commission File No. 333-180147-06) with the
Securities and Exchange Commission on May 15, 2013.
|     | 
|(c)  |  | Not Applicable.                                                                                                                                                                                                                                                          

Supplemental information to be Furnished With Reports Filed Pursuant to Section 15(d) of the Act by Registrants Which
Have Not Registered Securities Pursuant to Section 12 of the Act.

No annual report, proxy statement, form of proxy or other proxy soliciting
material has been sent to certificateholders, and the registrant does not presently contemplate sending any such materials subsequent to the filing of this report.



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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to
be signed on its behalf by the undersigned, thereunto duly authorized.

Date: March 29, 2016



SANTANDER DRIVE AUTO RECEIVABLES LLC, as depositorBy:

/s/ Jennifer M. DavisName:

Jennifer M. DavisTitle:

Deputy Chief Financial Officer




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EXHIBIT INDEX



|            |  |                                                                                                                                                                                                                                      
|----------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit No. |  | Description                                                                                                                                                                                                                          
|            | 
|1.1*        |  | Underwriting Agreement, dated as of May 8, 2013, among Santander Drive Auto Receivables LLC (Santander Drive), Santander Consumer USA Inc. (SC USA) and J.P. Morgan Securities LLC, as representative of the
several underwriters
|            | 
|3.1**       |  | Amended and Restated Limited Liability Company Agreement of Santander Drive dated as of March 7, 2007                                                                                                                                
|            | 
|4.1***      |  | Indenture, dated as of May 15, 2013, between the Santander Drive Auto Receivables Trust 2013-3, as issuer (the Issuer), and Wells Fargo Bank, National Association, as indenture trustee (the Indenture
Trustee)                 
|            | 
|10.1***     |  | Purchase Agreement, dated as of May 15, 2013, between SC USA and Santander Drive                                                                                                                                                     
|            | 
|10.2***     |  | Sale and Servicing Agreement, dated as of May 15, 2013, among the Issuer, Santander Drive, SC USA and the Indenture Trustee                                                                                                          
|            | 
|10.3***     |  | Administration Agreement, dated as of May 15, 2013, among the Issuer, SC USA, as administrator, and the Indenture Trustee                                                                                                            
|            | 
|10.4***     |  | Amended and Restated Trust Agreement, dated as of May 15, 2013, between Santander Drive and U.S. Bank Trust National Association, not in its individual capacity but solely as owner trustee for the Issuer                          
|            | 
|31.1        |  | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 (Santander Drive)                                                                                                                                            
|            | 
|33.1        |  | Report on Assessment of Compliance with Applicable Servicing Criteria (SC USA)                                                                                                                                                       
|            | 
|33.2        |  | Report on Assessment of Compliance with Applicable Servicing Criteria (Indenture Trustee)                                                                                                                                            
|            | 
|34.1        |  | Attestation Report of Independent Registered Public Accounting Firm on Assessment of Compliance with Applicable Servicing Criteria for Asset Backed Securities (Deloitte & Touche LLP)                                               
|            | 
|34.2        |  | Attestation Report of Independent Registered Public Accounting Firm on Assessment of Compliance with Applicable Servicing Criteria for Asset Backed Securities (KPMG LLP)                                                            
|            | 
|35.1        |  | Servicing Compliance Statement (SC USA)                                                                                                                                                                                              



|* | Incorporated by reference from Form 8-K filed by Santander Drive Auto Receivables LLC (Commission File No. 333-180147) and Santander Drive Auto Receivables Trust 2013-3 (Commission File No. 333-180147-06) with
the Securities and Exchange Commission on May 10, 2013.
|- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|** | Incorporated by reference from Form S-3/A filed by Santander Drive Auto Receivables LLC (Commission File No. 333-165432) with the Securities and Exchange Commission on August 4, 2010.
|-- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



9



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|*** | Incorporated by reference from Form 8-K filed by Santander Drive Auto Receivables LLC (Commission File No. 333-180147) and Santander Drive Auto Receivables Trust 2013-3 (Commission File No. 333-180147-06) with
the Securities and Exchange Commission on May 15, 2013.
|--- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



10