Monterey Financial Services

Financed with Credova and made my first payment thru the app. After 3 days, I received an email saying that I made my first payment from Monterey Financial. Was shocked cause I did not remember being associated with them and that the only loan I had was with Credova. I was upset cause I thought Credova had sold my billing information to another company. Called Credova Customer Service right away. Waited for a long time. Well, I do understand that sometimes they receive many calls especially Credova is a loan company and a lot of people like me to call and ask questions, so I calmly waited on the queue.

This company is a shady racket. I paid via credit card early and they claimed to run my card but never did! Then they charged me an NSF fee even though the FUNDS were available!!! I charged the account on the 23rd they claimed to run it on the 25th and it declined on the 28th! ALL LIES. I have my running balance in my account and there were plenty of funds available! Then they said the $35 was LATE!!! WTF and tried to add it to my next payment... Do not trust this shady firm and please turn them in!

I accepted a loan for 1260 to pay off something in payments so I figured I’d pay them early for interest reasons and I used my American Express card and did a 400 payment. It then gave me a receipt saying, "Thanks." Another payment in the books …only to find out my payment didn’t go through because they don’t accept my American Express card that had plenty money on it so they called me to tell me not only did my payment not go through after they gave me receipt but they explained that because my payment didn’t work that I ruined my chances to do the 3 month no interest offer so for me trying to pay them early they screwed me on money and didn’t accept my card.

I tried to make an early account payoff (before any payment was due) and it was declined for an unspecified reason. Monterey they said I lost my promotional financing because of the declined payment and charged me $59 to make another payment. I was never notified or given any way to fix the situation before being penalized.

Don’t do business with them or Credova or anyone who uses Credova. Used a loan to purchase something for $350. Ended up paying $630. That’s how much they mark it up. I paid the loan within a month. Avoid these companies.

On a popular sporting good site, I clicked on the "90-days, No Interest" banner. The loan was then sold to another company called Monterey Financial. Luckily, after browsing their website I found the "early buyout option" price listed, which was 180% higher than the total purchase price. I called them, learned I didn't receive the 90-day no interest deal, and I will need to purchase it outright for about $15 over what my total was...by the 30-day mark. Credova is an apparent scam.

These people are horrible horrible horrible.... Stay far away. I signed up w/ Credova but my loan (yes, it's a loan despite what they call it) was then transferred to this horrible company who tacks on hundreds in fees for even an early by you... Shame on my for not reading the contract thoroughly enough, but shame on them for these deceptive business practices.

Start a process with the Credova company which sold the loan to this financing which are thieves. Doubled the amount from 1800 to 4950. Do not make any deal with these scammers, money thieves of one who gave me this bad time.

BattleHawk offers financing through Cordova who sells your loan to Monterey Financial, Battlehawk should remove these finance companies from their website, these finance companies use unscrupulous tactics to rip you off and steal your money by the deceptive advertising practices. They offer 90 days same as cash, I was approved several months ago through a different Firearms dealer and paid off the gun before the 90 days. I went through the same Finance company both times, the second time I thought it was the same deal because on BattleHawk website it says 90 days same as cash, by the time I realized it was already too late and I ended up paying close to double for the gun in just over 30 days. Battlehawk should remove the deceptive advertising!

Do not finance anything merchandise through this company! Loan Sharks that will double the finance charge on your purchase! Read their loan agreement paperwork thoroughly! I originally bought a product through Credova, somehow Monterey slipped through the cracks and purchased the loan. Then put the item I purchased as double the price on my credit report. They will only give you 30 days to pay in full.