Westlake Financial Reviews

Jalee was an amazing representative who was patient, kind, polite, and reassuring. I appreciate her time and positive customer service.

Edgar provided excellent customer service. He was friendly, helpful, and made sure all of my questions were answered. He was very professional and made the experience easy and pleasant.

I want to recognize Ryan B., the representative who helped me finalize a settlement arrangement for my account on August 3, 2026. He provided one of the most compassionate and helpful customer-service experiences I have ever received. To be completely honest, my overall experience with Westlake Financial as a company has been difficult, and I cannot say that I am satisfied with the company as a whole. However, Ryan deserves to be recognized separately because he was truly amazing.

I was very impressed and pleased with my customer service experience today with one of best customer service reps I've encountered. He was very informative and helpful with my situation today. Brandon was excellent and I wish they would hire reps like him.

Westlake has been a great service to understanding and helping me through many hardships with making ends meet. They actually work with you and communicate to work towards a solution that is mutually beneficial to the customer and the institution. I had a specialist named victor help me immensely and his skills are unmatched by any other that I’ve had the experience in talking to. He was very courteous and empathetic to the situations at hand and to find service like that in these times is very difficult but very very worthwhile to experience. Thank you victor and thank you Westlake Financial!

Ever since buying a car from Inside Car Guys in Newbury Park, it has been nothing but a headache. Since they lend through Westlake Financial. The worst bank, if they can even be called that, I have ever worked with. If you're one minute late, they call you nonstop until you pay. But try to get a hold of them? Good luck.

This place does not do their job. Horrible company. I was in an accident, and the car was totaled out. Westlake refused to send the title to the insurance company so insurance wouldn't pay them without the title. Insurance called every week for 3 months and they say they will send it and never do. Here it is almost 4 months after the accident, and I am getting missed payments on my credit report, and my credit dropped 17 points because of it. I called them and was transferred 8 times to different people just to be told tell the insurance company to ask for the title (even though they did about 30 times) and to be hung up on. If you like you credit ruined by all means go with them and their ridiculous interest rates. I bought a new car, and they wanted 19% interest and I shopped around and got a 7% interest with the same money down and same credit score. WESTLAKE are nothing but con artist.

They don't keep their word. I was deceived by the salesperson; they had absolutely no interest in the problem, like, "screw it now." Terrible customer service, they are rude. Their interest is extremely high; they have no interest in solving problems and leaving everyone satisfied without issues. Rating 0; stay far away from this loan shark...

We financed our vehicle with OpenRoad Lending and yet Westlake controls it. When I requested a copy of our loan agreement, I got the one from Open Road Lending LLC, yet I must pay WestLake! This is very questionable and then the fact that say on the loan agreement that are interest rate is yearly, they actually charge based on what you still owe and it is not yearly. If you do proper research it really seems to balance out as daily/monthly! This company has no proper customer respect/service. I am still researching the fact that we have an agreement with Open Road Lending yet West Lake is whom we have to pay. They have damaged our credit status even though it was low, but they are making it lower, They refuse to set up auto pay on the 2nd Weds of the month when we get our pay and demand we pay on the 10th, yet we cannot always do that and they in turn make negative reports to our credit.

Westlake Financial will not stop calling me. I have asked them several times — clearly and directly — to take me off their list. I told them I do not want these calls. I told them I consider this harassment. They kept calling anyway. That is the entire story. No confusion. No “maybe they didn’t hear me.” I asked them to stop. They did not stop. If you are shopping for a car and a dealer slides Westlake in as the lender, understand what you are handing over: your name, your number, and permission for a company that ignores a simple request to leave you alone. Once they have your contact information, you are on their list. Getting off that list is not something they appear willing to do.

They call and harass me daily even after they were found in the wrong after my niece who was denied by Westlake Financial and allowed DCH Honda of Oxnard to switch a disable dependent adult a buyer and my niece who I was supposed to cosigner then a buyer.

Almost 30% interest. I paid my entire loan amount of near $7k off in less than 1 year and still paid over $1200 in interest, and don't forget they take a minimum of $1200 up front for arranging the loan. I was hung up on many times when calling customer service (India). I believe I am finally totally done with this company, and I use that term VERY loosely. This is a PREDATORY lender and I would not suggest them to my worst enemy.

This company has owed us an overpayment since December of 2025. I tried numerous times to get the reimbursement. I keep getting bounced between Westlake and a company they use for refunds call MyPaymentVault which allegedly handles the refunds. Allegedly MyPaymentVault sent the refund, but we never received it. I have no idea where they sent it. Westlake customer service says the loan is closed and I need to talk to MyPaymentVault. MyPaymentVault customer service somehow does not have our correct address and states they cannot verify us because we cannot give the correct address they have on file so they will not talk to us.

Only 3 things I have that I rate them as a pos. I pay my wife car note every month & every month I have to have her present to pay every month. At 1st I was told i need her permission. She gave it, sometimes I paid late because I have to wait until we are together leaving me mad and stressed over a car note. The interest rate is credit card high. Avoid this company if you can because every month is a fight with customer service.

The absolute worst company to deal with. My daughter's car was just repossessed. I made a payment in July and they told me I could defer Aug. Her car was picked up yesterday without any kind of contact. They claimed they called me but no messages were left and I'm not calling back some random number. I actually had one rep tell me it was my responsibility to contact them and I have to call to make payments instead of their terrible website. On top of that they want to charge $500 dollars for the repo as well. They must all have a script issued to them because all 3 of them including a supervisor said the exact same things to me. It's to bad I couldn't give a lower star than a 1. Someone should investigate this company.

THEY ABSOLUTELY SUCK. MY HUSBAND IS DISABLED AND CAN'T DRIVE. THEY REFUSED TO RELEASE THE CAR TO ME. The representatives were giving me different answers and then so were the supervisors as well. They are horrible. Don’t recommend at all and I would never get anything through them. They used a third party to take the car but a spouse can’t get it back. When I asked if this is how they treat disabled people the supervisor said yes.

This company should be shut down. Run! Do not get a loan through them! They are crooks!

EVERYONE. If you hear your sales rep or finance rep say you are financing your car loan thru WESTLAKE DO NOT DO IT!! READ THE LAWSUITS. The dealership is just trying to get paid for your purchase but the lender is a SCAM. They will STEAL from you. I have 25 years experience with this company. BE CAREFUL and REMEMBER you were WARNED when they make your situation worse even though they CLAIM to make it better!

Terrible Bank. Terrible customer service. AI responses overseas customer reps who do not understand what you're saying and do not seem to care. All you get is a automated response saying call customer service number which I did and left a voicemail and they did not respond. Just continue proof of poor poor customer service. I've been waiting on a title for over 2 months that they demanded their money for in 10 days which they got. I am still waiting on a title on a car I sold and cannot get a live person to help me out. It's just a brick wall after brick wall after brick wall. Do not use!

The worst company ever to finance with. We paid off our vehicle in February 2026 and they’re still digging us on our credit saying the vehicle is not paid off and we own the car entitled paid off through motor vehicle vehicles.. I have contacted a multiple times and I’m getting the runaround. The staff doesn’t know anything about nothing. It’s just a trashy company in general that’s overpaid interest rate on vehicles at 22% then on top of that you have the five dollar monthly charge fee.. My best advice to anyone - stay clear of this company.

My son was behind on his car payment and it took forever to get someone on the phone to get his car back but they ended up charging a $500 repossession fee which I did pay and now that a month has went by they want to keep charging us for repo fees. California law says that they cannot do that since they established the amount and sent us a release. I have been bogged down with how many people are going through similar situations. I don't know what to do.

Customer service SUCKS!!! This is absolutely the WORST SERVICE I’VE EVER HAD!!!! I WOULD LEAVE NEGATIVE STARS IF IT WAS AN OPTION!! THIS COMPANY IS ABSOLUTELY HORRIBLE!!!!

Absolutely horrible customer service. Mixed communication, no documentation of changes being made. I had to call multiple times to get my account out of repo status AFTER I ALREADY PAID. They told me it's a system "glitch". No responsibility for their mixed and poor communication either. Horrible company.

Wish I could give them a zero star rating. This has been a terrible bank to work with. Reps have no idea what they’re doing and stick to their script and don’t direct you to what you need. We’ve been stuck for over 2 months trying to have them closing our account after insurance has paid them and they’ve refused payment multiple times.

There should be a way to put negative stars, they are the worst. This company has repossessed my car twice without even consulting with another person on the loan... They make it virtually impossible to get your vehicle back after the towing company they use damages the car, and to top it all off, you can't understand over half their staff when on the phone with them... If you decide to use this company, have a lawyer on retainer because you will definitely need one!! This company needs to be put out of business for uncouth practices and screwing people out of their money and their vehicle. I will be taking every avenue I can to get the word out and make sure that this company is reported through any Avenue available; they do not need to be in business.... Getting ready to make some big noise.

Have not received our lien release or title after paying off our vehicle well over 2 months ago.

This is the first and worst company I have ever dealt with. They are scamming and dishonest. This company has cause so much pain and suffering. How are the doors not shut and locked down.

RECORD every interaction with this predatory company. I had a car loan with another company and it was transferred to Westlake. I unfortunately got repossessed. I called to get total payoff. Paid off and got my car back. ONE YEAR later (at work) my car is repossessed due to “administrative fees”. Non existent customer service. Get an ITEMIZED statement. Not just total due. From one phone conversation to the next the amount will change and they will not guarantee that there will not be any further charges after pay off.

0 stars would be too many. Atrocious in every way possible. Customer service is non existent. Won't give me a letter to release my loan for refinancing.

I would not recommend Westlake Financial. Customer service is extremely frustrating because there is no direct way to speak with someone. You have to leave your information and wait for a callback instead of getting immediate assistance. The interest rate is unreasonably high, and the billing process is confusing and unreliable. I have repeatedly been unable to log into my online account to verify my balance, payment history, or account information. To make matters worse, every time I call, I’m given a different account number, which makes it impossible to access my account online.

I bought my car 3 years ago, my loan is for 4 years. I paired it off on June 16, 2026. It is now June 29 2026. They had told me that I would get my title in 7 to 10 days. No title to this date. So I call and after being transferred 4 times I get a person I can't understand, but they tell me I won’t get my title until July 27. Plus if you miss a payment they you can get your car repossessed But they can do whatever they want and they just keep repeating the same thing. This company is the worst. Do not use them. Then before you hang up they say, "Is there anything else I can do for you." 40 days to wait for my title is insane.

If you buy through Westlake financial the first they do bring your credit lower to charge you high interest. If you don’t believe ask those whom had accounts with west lake. So make sure this not happen to you!

I’d give zero stars if I could. Very poor customer service especially supervisor Christopher **. He was very, very rude and actually hung up the phone on me twice!!!! Stay away from this finance company at all costs!!!!

Is it a scam, or is it outright fraud that West Lake Financial is committing? Either way, All my documents, records of phone calls, and payment receipts are being submitted to every business regulatory body on the planet to file as many complaints as possible on their business practices. Soooo... Here's a story... (sing it like the Brady Bunch"). My vehicle that had financed with them was paid off in 2024. The lien release card was misplaced, so I called to get another. (Keep this in mind folks). Anyway, I needed it to be able to sell the car. Spent 30 minutes on the phone for them to tell me to use the website. So, I went on their handy dandy website for a request- did all the things, paid to have it expedited through Fed Ex, and boom! Easy Peasy, right? No? NO YOU SAY? That's right. NO.

I will never say this is a good loan company, when covid hit some got sick, lost jobs and could not make payments. Westlake does not care and they never will. If you miss a payment your car is gone and to get it back you're going to have to pay out your ass. My car got repoed and I got it back but was charged a 1,500.00 for a towing fee. My car was paid off but since I owed 400$ on the towing fee they held my title for 2 years and now they decided to write it off. I paid for 6 years at 23 percent, total of 25 thousand and they are writing it off, don't know if that's legal but litigation is coming, well there was a class action lawsuit, they did not bother taking it to court, but they knew they were in the wrong, Westlake you you could of just sent me my title over 400$ and then you said you would take half of that 200 to give me my title. Cmon westlake do the right thing for once.

I purchased a vehicle in May 2025 and was financed through Westlake Financial, I have had a great experience with this company. I already knew my credit rating was low since I was working on it myself and raised it 250+ points. However, my truck was recently totaled out and I will absolutely use them again if the need arises for my next vehicle. The only negative I can share when I had surgery 11-2025, they were not willing to push back any payments due on the truck to allow time for healing, even though I called to give them a heads up on the reason the payment was behind.

Flagship Credit sent our account to Westlake, without as much as a letter, who repossessed our car being only 46 days past due. Flagship did not honor an automatic payment I made that would have brought our account current. I would not recommend doing business with either company.

The issue that I have for this company is that you can't reach an actual, person. It's ridiculous. Many of the people act as if they know nothing about your account.

A NIGHTMARE when you finish paying for your vehicle, a thousand excuses, weeks! To receive your title (if you are lucky) and if you have to do some paperwork such as a change of status or something similar, you will deeply regret it... With my first truck I paid in advance I waited 3 MONTHS and many headaches to recover my title, with my 2nd vehicle I have been almost a month and NO ONE, absolutely NO ONE knows how to give an answer about where my title is, really a complete disappointment!

Unfortunately, my 2021 Volvo S90 got repossessed. I had every intention of getting possession of my vehicle back at any cost. The agent I spoke with, Ryan ** (?) ext. **, was a tremendous help and worked extremely hard to get management on board to work with me on a payment plan for me to get my vehicle back. There were multiple deadline extensions involved, towards the end a few of which would probably not have been possible to achieve without the help of Ryan. In the end, with Ryan's outstanding help, I was able to pay the remaining balance in full and regain the possession of my vehicle! Ryan, thank you so, so much for your incredible help!