Westlake Financial Reviews

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.

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!

I was assisted by Marquise and he was incredible! He was kind, personable, knowledgeable and so professional. He helped me figure out what I needed to do, provided options and lifted such a weight I had on my shoulders! He deserves all the praises and the recognition, I’m so grateful I had someone like him to help me! 100/10 customer service!

Very professional. Every employee I have spoken with has been professional and courteous. Every time I call they listen and provide me with options to better help me with my loan.

After having my car taken 3 days after I was able to retrieve it from an auction they sent it to for which it was held for 11 days after payment... Mary was exponentially helpful. She reviewed my account and truly put the time in to recognize and remedy the issue. Just have to go through the process of getting the vehicle from the repo yard now.

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.

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!

UPDATE ON MY CLAIM WITH Westlake Financial: I am still dealing with ongoing issues regarding my total-loss claim, and the lack of communication and accountability has been extremely frustrating. Every time I contact customer service, I am transferred to the insurance department, yet no one answers the phone. I have called numerous times with the same result, making it seem as though no one is actively working in that department.

Super unhelpful, they are unclear on instructions, I paid off my title 4 months ago and I have not received my title. It's like they do try their hardest to make everything complicated.

They are one of the worst financing companies I have ever seen. It has been over two months since I paid off my car loan—and I want to clarify that I paid it off less than halfway through the financing term—yet I still haven't received the title.

My car had been repossessed twice, and I went to pay them for the second repossession and was told I had to pay the full balance of $7,652 to get my car back. I owed $943. It is unfair to wait to repossess my car in the last year and want the full balance due. Is this illegal?

I’ve never dealt with a customer service team that lies so effortlessly. Every time I call about my issue, they give me the exact answer I want to hear: “Yes, we’ll take care of that,” “It’s being processed,” “You’ll see the update in 24 hours.” But nothing ever happens. No follow-through. No action. Just empty promises designed to get me off the phone.

I was late on my first payment due to a missing paycheck. I was sent a letter stating I could pay a certain amount by a certain time that my account would be in good standing. I paid the amount in the allotted time and they repossessed my vehicle. I sent over all of my financial statements proving the payment, they did not honor the letter that they had sent to me. They don't care and they don't stand by the letters that they send out, automated or not.

This is Benjamin ** & I'm surrendering my car & customer service stated they can't provide me with a receipt of confirmation on my scheduled surrendering. I spoke to a third party and she said I'm not guaranteed a receipt from a Repo Agent when he arrives. I need some type of documentation for my planned surrender.

Contacting customer service live representative is a nightmare. AI needs to be removed along with the 5.00 fee charged to pay the bill.

I got Secure One vehicle protection by Westlake Financial on a 2018 Dodge Durango gt the has problems with the pc and the power distribution box. I called and they told me the is no cover. I check the contract and either on what is cover section 6 of the contract or section 7 said the is no cover. Rep Jesus said the in order to have all complete list they need 100 pages. That's why is not on the list, stay away from this extended warranty

I am extremely frustrated and disappointed with both Westlake Financial and Starz Automotive regarding my ongoing situation. I purchased a 2019 Range Rover from Starz Automotive, and it has been nothing but a nightmare. The vehicle has had repeated mechanical issues that clearly indicate it is a lemon—problems that have affected its reliability, safety, and overall value.

Ryan ** was very helpful and friendly. He patiently answered all of our questions about our account and made sure that things were taken care of to our satisfaction.

I bought my car in January 2021 and it was financed by Westlake. I kept up my payments and my insurance for 3 years, only being late by 30 days 2 times within those 3 years. In January 2024, Westlake started harassing me every day about my payments being late, and that they were going to exercise their right to repossess their interests. On March 17, 2024 (I know, right--lucky day), they sent someone to come repossess my car at my home. The guy told me where it was going to and who I would have to call about getting the rest of my stuff out--but I was getting on the phone with Westlake immediately to find out why, because I knew that I wasn't that far behind.

Purchased a used car recently and used Westlake as the lender recommended by the used car dealer. Decided to sell the car and wanted to pay the car off and get the title to forward to the buyer. Found out Westlake does not offer wire transfers to pay and get a quick title. If I want to pay off the car I need to use Moneygram which a serious hassle for a large amount. They make it extremely hard to just simply pay off the vehicle and get the title expedited to me. I will not be doing business with this company ever again. I’ve purchased many cars and paid them off with ease and had my title within days. Not with these guys. What a nightmare.

I wish I could give negative marks and not a one star. I have had an account with Westlake and at this moment I am very confused and upset. It has not been easy dealing with them to start but my car was totaled over a month ago and I have been trying to get in contact with them to make sure my GAP claim was submitted. After talking with 6 different people and being on hold multiple times today I was finally told that my GAP coverage was cancelled 17 days after I purchased my car for non-payment. Even though my car payment was increased by 23.00 monthly for GAP coverage that only cost 9.99 monthly. Also was told that I had to send the payments separately I couldn't pay them at the same time. Even though they were automatically taking the payment out together.

I have been trying to reach a "live" agent for the past few days but have been unsuccessful. I finally reached a "live" agent through the Westlake Credit Card number but they were not very helpful. I stated to them that I have been trying to reach out to make a very large payment towards my auto loan and that I in fact didn't have a credit card, could they help me speak to someone in that category. The person on the other end stated that they could give me a phone number which turned out to be the same number I had called previously 5X before and I let them know there isn't a "live" agent option- The robot cannot be by-passed. They stated that "to their knowledge" you can speak to a live agent which I corrected and again, they repeated themselves with the same thing that they had just said which was not accurate.

This is the worst company to do business with. They add EXTRA late fees in the same month, charge you $5 to pay your bill and the they hire people for customer service that have such strong accents (I know everyone needs a job but they're taking advantage of people from another country) that you can hardly understand them. I changed my information at least three times and they NEVER saved it in my account. Westlake Financial is a CROOK, at best. DON'T DO BUSINESS WITH CROOKED COMPANIES.

I have a car loan with Westlake Financial. I called for the payoff amount. I overnight a check in that amount last Thursday March 12, 2026 and Westlake received the cashiers check March 13, 2026. As of March 17, 2026, Westlake has not posted the check to pay off the car loan and is attached daily interest of $6 for everyday Westlake doesn't apply the check to the car loan. It's not my fault that Westlake is behind on applying the check. They have the check and should not be charging me the extra interests which accumulates daily. This is the worst company to deal with. Also, you don't get to speak to a live person. This is why Westlake has such poor reviews.

First of all, they have very high interest rates. They work with bad dealers and pay commission to them. They are trying to rip you off every possible time. They have awful customer service. They answered the phone from Philippines. People with ZERO power wasting your almost 1 hour each time you call them. ❌❌❌ I've scheduled my payments a month ago. They increase the amount couple of days before scheduled payment is what you actually owe so you are always short and they make you pay late fees.

For all I will say that God is not pleased with the way this supposed to be corporation is operating. You are told by dealership one price and at the end another this company is rip off. I am going to be on every social media with these concerns.

IF YOU CAN AFFORD TO PAY CASH FOR A CAR DO THAT BEFORE FINANCING FROM WESTLAKE!!! DO NOT AND I MEAN DO NOT FINANCE A VEHICLE FROM THEM!!! They're very unprofessional and have attitudes when you're calling. There will always be a problem with automatic draft payments and they'll charge you extra late fees. Your gap insurance will not be paid with the monthly invoice and they do not inform you of that so you'll have to make two separate transactions that cost extra.

Westlake Financial has honestly been one of the worst companies I have ever had to deal with. The customer service is beyond frustrating. Most of the representatives I spoke with were rude, dismissive, and seemed to have very little knowledge about their own policies. Simple questions turn into long, exhausting calls because no one seems able to give a clear answer or actually resolve the issue. What’s even more shocking is how unprofessional many of the interactions are. The level of ignorance, lack of basic customer service skills, and poor communication is unbelievable for a company that handles people’s finances. It often feels like the representatives have no real training or understanding of the situations they’re dealing with.

These guys are crooks. Pay your loan off and then one day your car will vanish. Westlake will steal it claim you owe more then try to charge you thousands for tow fees, even though is verifiable that its paid off. You won't be able to speak to anyone except 3rd party customer service reps from a different country. There is no way possible to speak to an actual supervisor at westlake. It's a scam company.

Has anyone bout a car from GOJO AUTOMOTIVE USING WESTLAKE financial as the loan officer? I’m suing them for overpaying and giving me a vehicle that had already been totaled. So many issues they didn’t fix.

Found out this company located in California purchased my vehicle that I’ve owned for over 7 years from someone that was not me. My paid off vehicle was repossessed, I called the police because I didn’t know what was happening. They told me that I’m “behind on payments”?!!! I finished paying my car off in 2023 from a totally different company. I recommend you all contact FTC CFPB and contact the states attorney general. If anyone wants to start a class action email me at **.

Don’t do it! There are better lenders out there. I know at the time they seem easy but long run you’ll only be paying the interest, get a bunch of illegal repos and generally have a crummy time. Not worth the headache, choose wisely and this ain’t it.

Yes I got a car loan from these guys. Communication was great till the fraud department deemed the vehicle was bad. Now I can't get responses from customer service. Their phone numbers are a joke. The people on the chat never give responses and say your complaint is sent to a department and never hear from. This company is a total scam and you should stay far away from this company.

Predatory lender. Repossessed in less than 2 months. Abnormally high interest rates. Will not work with you to lower interest. Most used car dealerships tend to use because they allow the dealerships to mark up interest to increase the dealerships' profits unbeknownst to the customer.

Zero customer service. No human representatives available for months, only the incompetent AI Taylor. They refused to communicate with the state that requested the title. They ensured I would NOT have a valid registration and refused to communicate.