"It's business. We run a service, she knew the rules. She should have read the small print."
―Mr. Santo to Luis Lopez.

Mr. Santo is a character in the Grand Theft Auto series who appears as a minor character in The Ballad of Gay Tony.



Santo is a loan shark in Liberty City who lends a loan to Luis' mother, which she struggles to pay off. Luis assumes, possibly correctly, that Santo also loans money to other people -- and as bought up by Luis multiple times, they may be other old ladies.

Events of The Ballad of Gay Tony

The debt is paid off when Santo takes Luis back to cage fighting so the latter could take a fall in a third round. The choice is left for the player.

If Luis takes a dive, Santo will appear in Adriana Lopez's life again, helping her with shopping. In a call with Luis, he unsuccessfully asks her not to talk with Santo anymore.

"You're a fucking dead man. I'm gonna burn that bitch mom of yours, too."
―Santo threatening Luis.

If Luis doesn't take a dive and finishes off his third opponent, outside the cage fighting club, an enraged Santo attacks Luis with a knife, forcing Luis to kill Santo.


The Ballad of Gay Tony


  • It is likely that Santo is canonically supposed to die in Momma's Boy, since Luis is required to take less than 10% damage in order to achieve 100% gold completion for the mission, which cannot be done if the player chooses to take a dive.
  • If Luis takes a dive, his mother will call him after Clocking Off, telling she saw Santo again, helping her out with her shopping.
  • Santo, like Gerry McReary and Ray Boccino, is much taller than all other characters in cutscenes. During gameplay he is the same height as all others.
  • He seems to know about Luis' former stint as an underground cage-fighter, suggesting that he has some connections within Liberty City's criminal underworld.