- "It's business. We run a service, she knew the rules. She should have read the small print."
- ―Mr. Santo to Luis Lopez.
Santo is voiced by Nelson Vasquez.
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 he takes Luis back to cage fighting and makes him take the fall after defeating two combatants. If Luis doesn't take a dive, however, he will come at Luis with a knife, forcing Luis to kill him.
If Luis didn't kill him during the mission, he 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.
- Mr. 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.
- The Ballad of Gay Tony
- Momma's Boy (Can be killed)