Westlake Financial Reviews

From the moment we met, our relationship has been incredibly respectful, familial, and empathetic. Above all, there's a genuine interest and a willingness to fully assist us, their clients. I believe it's a privilege to have them in our daily lives these days. Thank

I bought 2018 Jeep Rubicon in October 2025 at Posada's Trucks Norcross Ga, financed by Westlake and warranty company is Secure One. These company are affiliate of Westlake Financial. I drove the Jeep for two and half month and it showed check engine. I was advised by Westlake warranty company to take the Jeep to a licensed repairs center. DONE!, BUT Secure One intentionally slow all transactions down. Service records was requested for. They got it from the repairs which took a week according to them.. After six weeks they refused to move further in repairs unless I pay $2,000.00 to reopen the engine for inspections again.

This company is horrible. They are fraudulent. My son's car was repossessed. If that wasn't bad enough, unbeknownst to us, they filed THREE claims with our insurance without ever contacting us. I did not find out until almost a year later when we were moving and I was trying to move my auto insurance to our new location. We had no idea of these bogus claims! BEWARE-THEY ARE THE DEVIL!!

This is a scam lender. The website doesn't allow you to pay upfront; you have to search for other payment options because it's impossible to speak with a representative over the phone. They also continue to charge you even after you've made all your payments. Stay away from the scammers!!!

WORST AND I MEAN THE WORST FINANCE COMPANY, give you the run around. Quick to harass you about payments being made on a 🤬 vehicle that I only had for two weeks and driven 6 times total and here it is 3 months later as of Feb. 4 and nothing has changed yet😏🧐. IKYFL.

I recently purchased a truck and the loan was through Westlake. I informed Westlake to bear with me because I experienced a home fire notifying them that I would be paying on my truck note every 2 weeks still paying my note until my home fire issue is resolved. They aren’t people of their word. They don’t tell if extensions will be approved.

My car was repossessed 1-11-26 at my home knowing that I connect them about time and my hardship. I was set back. Very useful but my nightmare started after I had got my account up to date when I paid full amount in which was due 1-18 and I called again. Asked for 1-2 days that I would have what was demanded by Westlake in which it was said amount of money then when I went to get MoneyGram payment to send them upon reinstating my car back to me, very true and disappointing that as of 1-20-26 1-28-26 till this on going matter they have not yet sent a release to the company that has had my car sitting in their lot.

Westlake Financial repossessed my son's car after we made a payment and it was rejected because they do not accept electronic payments. We tried repeatedly to make the payment but no one told us electronic payment was not an option. Their customer service is very poor. Their APR is excessively high. They are on the chopping block for me. I WOULD NEVER RECOMMEND THEM FOR AUTO LOAN. It's like cutting your nose off to please your face.

They repo my car for 238.00 dollars still on the same month I made a payment. Every time I called they ask for payment. I told them I paid. When they search they were as surprised as me. Don’t know why they repo. Didn’t have answers. Mind you I paid the month. My due day is next month. They repo car. Made me pay fees on a mistake on there. With every review I have read clearly it’s a scam to get over on consumer.

Worse financial company I've ever done business with. First they charge you an extra fee if you don't use the app and direct pay from your bank. Second when trying to pay off the loan there is no way options to pay off the loan via the app. So you have to call them. It's automated and again no option to pay off the loan nor any way to talk to customer service. I've never seen a financial company make it so difficult to pay them

I have been experiencing some difficult times at the moment right now and I was two weeks late on my car payment. My lender Westlake Financial was amazing in helping me get a resolution for this situation with them. Not only were they sympathetic to my circumstances they understood and made me feel like they cared about me as a person and not a client. Thank you also to the young lady who helped me. She was so gentle and caring for my situation and did not just give me a this is all you can do. She gave me options. I just want to say thank you again.

Westlake Financial is a scam lender - issues subprime loans but this is somehow legal. Now you know!!! My Jan 2024 car payment was missed - did not know they would not allow future payments to be applied to it. Next 3 payments after Jan on time. About to double pay in May to catch up. They repossessed car in May for Jan missed payment. Claimed loan was 120 days late!!! Now still demanding full auto loan repayment 2 years later. That will NEVER EVER HAPPEN!!!

Santiago ** is the absolutely rudest, most unprofessional person I have ever dealt with. I was customer at Westlake Financial for almost 3 years. Everyone I have dealt over the years have been so kind but not him. I hope he gets retrained how to treat customers because he just treated like a piece of garbage.

Want to sincerely thank Westlake for the kindness and understanding they showed me during one of the hardest moments of my life. I was three months behind on my payment due to extreme hardship, and instead of immediately moving toward repossession, they actually listened. The representative took the time to understand my situation and even acknowledged that repossessing my vehicle right now would negatively impact an ongoing case I have with CarMax. That level of awareness and humanity meant everything to me.

If I could give this company negative stars I would. Paid off the loan in 2019 and they never released the lien on the car. Trying to get the lien with them is impossible. They tell us you haven’t been a customer since 2019 and we are under no obligation to release the lien.

Westlake Financial is, without a doubt, the WORST financial institution I have ever dealt with. They are a "sub-prime" lender, meaning, they tend to service people with low credit scores who cannot get funded with Prime lenders. 1. I actually have an 800 credit score, and wanted to pay cash for the vehicle, but the car dealer I worked with would only give me their best price if I financed. So I agreed, and unfortunately, they signed me up with Westlake Financial. 2. I tried to make a large payment online, but the maximum payment allowed was $2000. When I got my next statement, there was a $25 insufficient funds fee. 3. I tried to call their Customer Service line, and was connected to "Taylor", an AI. I kept asking to speak with a human, and I was disconnected.

Paid off my vehicle, and they refuse to send me any confirmation... they said I will only receive a title within 90 days... everyone I call is some 3rd-world immigrant with no answers... I do not recommend this business.

So Far it's been pretty crappy! As soon as I got financed for $10,000 car purchase through the used car dealer, I wanted to pay down their $15,221.50 loan and avoid some of that interest. No luck! it doesn't matter if you pay off the principal early, they apparently don't reduce the financed interest! Anyway, I tried to make a $10,000 payment on-line towards my now $15,221.88 balance, the online system limited me to only a $8,500.00 payment. I had to call into the service center and pay the remaining $1,580.44 over the phone. This posted the next day! Guess what, their system calculates interest on a daily basis anyway based on that days' balance (SCAM ALERT #1). Then I find out that someone had already initiated an automatic payment to them from my account under the name of WF #### MONTGOMERY SHAWN ACH MISCELLANEOUS DEBIT (SCAM ALERT #2).

This company has ignored my concerns with the purchase of a vehicle. They hold the financing. I have sent in documents pertaining to the diagnosis, warranty issues and the issues with the vehicle. The fraud department has not contacted me at all in 2 months. They wait until a payment is due to send the contract back to the dealer with my payment made to them. They then tell me that my account is under review and they rejected my paperwork pertaining to the fraud from the dealer. This is outrageous and very unprofessional. They did not inform me of anything regarding my account or from the Fraud Investigation. This is by far ridiculous.

I am writing to formally complain about a highly unprofessional and disappointing experience I had with a Westlake representative when I contacted your company regarding a past-due email I received. The payment in question was due on 12/16/25, and I made the payment on the same day. However, the representative informed me that because the payment was made on the East Coast and the bank is on the West Coast, the system did not recognize it as timely. I contacted Westlake simply to seek clarification on this issue.

They are very caring and understanding for clients. Glad I was able to get a car loan with them. They do great business. I appreciate them truly and trust them. I have been in situations I stress but Whenever I talk to them I felt better about not losing my transportation to help provide for my family and them working with me and trusting in me.

Westlake will repo car after only 1 payment behind. There is not many options when a person is struggling financially. The only option was putting missed payment to end of the loan. The collection calls and emails are non stop. They will even bother family for payment.

I'm three months in with on time payments and now I received an email that they would like to change my payment due date to an earlier one? I've never had this happen to me before and I like my current date, so I ignored the email. There is no way I'm making an on time payment just for them to charge me another payment two weeks from now! Also, I was denied by them for a car loan and when another bank was willing to take me they changed their mind?! Idk what to do but my dad has told me just to wait 3 more months and refinance with the other bank.

I rolled over 3 payments to the end of the term of a 6-year loan (life happens), my note was coming to a close in September with balance from the rollovers. I set up (and paid) automatic payments for the same amount as my "typical" payment. The last correspondence I received on or about 11/19/2025 stated "automatic payment of $227... for 12/09.2025 is scheduled." My car was repossessed today, 11/25/2025.

DO NOT USE THIS COMPANY. Horrible app and website and horrible customer service. You have to talk from one bot to another. It has been a nightmare that I signed a stupidly high interest rate (that part is on me) but Westlake is a nightmare.

Very helpful. I’m very thankful for them giving me the opportunity to purchase my dream car. Their site is easy to navigate and you can always call if you’re having issues. The representatives are very helpful as well.

I have made many calls in regards to my account and I've communicated with many representatives. I've also dealt with other companies and their representatives. Speaking with the representative that I spoke to today was a phenomenal experience. It was refreshing to talk to someone who made the transaction simple and less complicated. Very compassionate and professional. I also felt more compelled to work with what I needed to work with. Great job! Please recognize this wonderful employee!

A couple of days before my car loan payment was due I called WestLake to see if I could get an extension on payment. I was told I could, the statement that the agent reads to you to agree with or not was read to me. I agreed with it. Also the agent stated that I would be getting a letter in my email in 3 business days about the extension. I didn't get it.,, I've been calling company several times to get things straightened out but nothing resolved yet. I finally talked to another agent and was told I'm not qualified to get an extension and that it had to be reviewed. Also They keep giving me the run around telling me to call back in 3 days to find out if I'm qualified for extension. No one gives me a definite answer. This is very poor customer service from company for something so important that needs to be addressed soon!

Avoid Westlake Financial at All Costs! Less than 1 star if I could, I would strongly advise steering clear of Westlake Financial if you're considering financing a car. Their practices are extremely aggressive and unprofessional. The level of harassment I experienced was truly unbearable. Despite having a payment due on the 20th of each month, they would begin calling as soon as the clock struck midnight on the 21st—constantly reminding me of a missed payment before it's even technically late.

Customer service is a joke. They have a problem with their payment processing and is billing me for their screw up. I've done it twice and they filled me twice and my bank is not showing anything being sent to them. I've noticed other reviews are showing the same issues exactly. Customer service is a joke. There's talk to somebody knows how to solve problems up there not somebody that tells me the same answers. It doesn't fix the problem. I will quit doing business for them as soon as possible if not sooner.