Toyota Financial Services Reviews

Terrible!! Avoid financing through them! Had a lien release request. Made 3 calls to them, and they still didn't do what they said they would do. IT'S BEEN A 60 DAY PROCESS AND STILL NOT RESOLVED!!!!

Toyota Financial Services customer service is awful. The company took an unauthorized payment out of my bank account and refuses to prove that I made the call. My bank closed my account and made me open a new one while they investigate them. All I want is the call they said I made provided to me as proof and they refuse.

Returned a lease, paid all the payments and now without any notice they sent a payment due to a collection agency. I even traded the unit in for another TFS lease. Now regretting it. Will never use TFS again.

Absolutely terrible experience with Toyota Financial Services. I was never properly informed about many of the terms and ended up dealing with extremely high interest rates. On top of that, their website constantly has login and account access issues, making it very stressful to manage payments. Customer service was unhelpful, unprofessional, and provided no real solutions. I felt ignored and taken advantage of as a customer. Overall, this experience made me feel completely scammed and very disappointed with this company.

First time dealing with this customer service agent and it was a horrible experience. The agent lacked patience, kept me on hold for an extended period of time, and ultimately hung up in my face without resolving my issue. There was no professionalism or proper communication throughout the interaction. Very disappointing experience overall.

Toyota Financial Services is refusing to refund us the GAP Money that we are due. I have contacted Toyota Financial Services on multiple occasions. I keep getting the runaround. No one wants to own up and give me my refund.

They are horrible. This have been one of the worst experiences with purchasing a car. Long wait times, they claim to be customer service but they do not help the customer. They read from a script and do not have the answers. They would not allow for me to talk with the department that I asked. I have been put on hold multiple times with long wait times. All of the team members give us different answers and nothing gets resolved.

The second star is for the CSR I spoke with, who was amazing. If this review was just for her it would be five stars. Tonight I received three (3) phone calls from +1 800-279-9032 TFS during another call. I called back when I could and had to listen to AI berate me for 5 minutes before getting a wonderful human. I gave her the confirmation number I got when I paid, 3 days late, my bad, and that was that. She followed her script, so I don't blame her, but TFS is now having CSRs ask if you want to pay ahead, since you got a tax refund. In the past, I have paid ahead because I could, and I did it all on my own. Now things are different, and I just pay what's due. Must be a change in the hierarchy. A bad one.

As of April 2026, SETF no longer accepts payment via credit cards or debit cards, to avoid payment processing fees. They now expect bank account information to be provided for all payments going forward. This is unfriendly towards their clients and frustrating.

Purchased a new 2026 Toyota Camry and financed through them and has been an absolute nightmare. I received the wrong car and now have a 29k loan through them for the incorrect car and they say it has nothing to do with them. They have not been helpful in getting this resolved.