Westlake Financial Reviews

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.

Westlake Financial sets up your automatic payments, is able to withdraw a payment then says "they couldn't find the bank" come the next payment and charged me a $25 nsf fee. They never contacted my bank, I had enough funds. They screwed up on their end and then charge the customer for the mistake. Google reviews show this is a pattern.

Westlake Financial is the worst place to get financed. Today is the 11/07/2025 and I got financed through here on a Dodge Ram 1500 on Monday. The guy that got it done was Brady in finance. He told it’s ready to so my wife and went out to our car but as I got ready to start the car up I received a text from him saying if I don’t have a phone bill in my name don’t bother coming. So these stupid, ignorant people wouldn’t sell me the truck because my phone was on a family plan under my son in law's name. I pay him a payment every month for the bill. They told because I don’t have the phone bill in my name we can’t do this. I would purchase anything at Ken Barff Ford because they fail at their job. They such as salesman.

Good afternoon. My Car was repossessed by Westlake Financial for no reason. I was not late on my payment and I was not in any Violation with my contract. Westlake repossessed my car and sold it without even information me about anything. I have to call and call and all the representatives were very rude even when I try to talk and resolve the issue. Even AAA try to pay to help me out but the whole team was a gang of Criminals.

My payment was 45 days late and Westlake repo'd my car, then added thousands of dollars of fees. Scary, horrible subprime auto lender. In 2025, they have repo's thousands of cars EARLY without working with the hard-working people that need their cars the most. In this economy I'm actually better off without a car and taking Uber or public transportation. I will BK on this company, then thankfully they will get nothing.

I used Westlake Financial when I bought a used car - the business person at the car dealership said they have used this company many times in the past. I tried calling Westlake Financial 3 times to get to find out how much interest I was paying on the loan. The first customer service person said she'd send me via email the interest amount. I received the same original email when I first took out the loan - there was nothing about what I paid for interest. The 2nd time I called, I was disconnected (intentionally or accidentally) from the customer service person I was talking to. The THIRD time I called that customer service person said she would send me the specific break down of all charges. After verifying my email AGAIN, I never received an email. Horrible customer service!! Don't use this company.

On Tuesday 10.28.25 my Kia Soul was illegally towed by Westlake financial and I suffered lost wages unable to get to work this day as a result. I had my monthly payment of $251.43 on auto pay since I opened my account on 03.11.2025 after having purchased my used Kia Soul from Xtreme Trucks dealer in February on the 5th of the month. I have paid on time, and have been wrongfully assessed late fees and a NSF charge, which I recently discovered. Reviewing my payment history, I have been charged late fees after paying on time. I have always maintained funds to pay my bills in my bank account. The only time I asked for a deferred payment was in June when I switched jobs from Zumies to Vans, but I was able to make the payment in full and didn’t need to pay the June bill in July. Now then all of a sudden Westlake Financial tows away my car; at first I thought it was stolen again.

I had a very disappointing experience with Westlake Financial. After taking out a loan with them, there was a misunderstanding about my payments, which led to my car being repossessed. When I tried to resolve the issue, I paid through checkfreepay/ MoneyGram at Walmart on time, but they claimed they never received the payment. Now, it’s been over 48 hours and I still haven't gotten my car back, despite them promising it within 24 hours. I even went back to the Walmart to confirm the payment, and even spoke to a representative of checkfreepay/ MoneyGram. They told me that Westlake financial told them to process all payments as next day process, even though I paid for same day processing! And that they show the payment was sent. Overall, the customer service has been extremely frustrating, I have been bounced around over the phone. Worst company to do business with. And I hope they can resolve this soon.

I want to kindly thank Krisha for her professional service. She explained details very well.. Thank you for your integrity. Highly recommend Westlake. They are willing to work with you through every situation

Very nice company, they are there when you need them. I needed a payment date change, and they did it with no problem! Like this company, no hassles. They also don't bog you down with annoying messages.

Westlake Financial has been involved in several lawsuits, most notably a 2022 settlement with the Department of Justice for violating the Servicemembers Civil Relief Act (SCRA) and a 2015 settlement with the CFPB for deceptive debt collection practices. Other lawsuits have included class actions over unsolicited phone calls, and ongoing litigation over consumer claims like repossession and debt collection practices. I was 16 days late paying the 1st payment after being unable to log on to the site. They are threatening to repossess my car and told the dealership that I brought the car from that they have to pay the car off. They are running a scam.

Big waste of time THEIR preapproval. Nobody will accept it. Was pre approved at three different car lots. All rejected their pre-approval. Tried contacting Westlake Financial, they wouldn't respond. Do not waste your time.

One of the worst institutions to work with. I saw they're under investigation since 2017 and now understand why! I'm not only reporting the way they treated me on the phone but also writing reviews in all places that I can! Run from this people!

If I could I would give 0 stars. This company is the worst, from customer service to hidden fees and charging you NSF fees when your account clearly has the money. They get mad and harass you if you are late, even if the late is the companies fault. I made a payment on the 25 of one month and on the 31st they charged me another late fee even though it was paid a before the 1st. This company hangs up on you when you try to prove them wrong as well as getting mad when you tell them you paid and want to know when they will take out the funds. They want the money but when you try to pay it they refuse to take the money. It makes no sense. I will not be going back to this company.

It is indeed the worst company in the United States. The people that runs it are a bunch liars and not trustworthy, they will drag you all over the place and run your patience dry, they hold your money and treat and belittle your intelligence, anything. You will not get through to them. They are horrible to deal with, just to get your papers released they will drag you all over the place and will not send you your paperwork as proof that you paid to get your title. This company should under investigation for their way and treatments. I hope our Gov and FBI look into their actions and ways.

Absolutely horrible experience in every aspect. Terrible communication, app/online services do not work. Overall 0/5 stars. The app will not allow payments until it's past due and then they will charge you $5 EVERY time to process the payment over the phone. Finance with literally ANY other company and you will thank me later.

They been a blessing to me and my family for a long time, I financed a car with them over 10 years ago, an excellent experienced company, communication and customer service are very good, I feel very good about this company. 🙏🏽

I paid off my loan to be able to sell it. The deal is contingent on getting a letter that the loan has been paid off. Westlake Financial just keeps coming with excuses not to provide the document. They are blaming my email App sending it to junk. I am technology expert in my field and setup the filters what goes to spam and what is not spam. Never received the document and just excuse after excuse. They keep sending me emails with excuses and I receive them all. The only solution is to respond in the thread with the attachment but they refuse to do so.

If I could give finance company zero stars, I would!! I’ve had my car for two years since 23 and this is probably one of the worst companies that I’ve had to finance through when something goes wrong with your payments or something comes up and the fact that they give you two times to push back the payments and they don’t tell you that once you use them both they’re like oh well we can’t do it again and my car is broken down a couple of times and I’ve tried to contact them and they’re like well we can’t extend out your payments that far and there’s nothing I can do but leave a note in your account in the system. As far as customer service they don’t know anything they kind of suck so yeah it’s probably one of the worst companies ever.. I will never have any of my family members use Westlake.

Purchased a 2009 Sierra at 11grand, dropped just over 5 grand as a down payment just to be placed on a 5 year payment of 256. So basically I'm paying nearly 16 grand for a truck listed at 11k is insane. To add to this nightmare you go a day late and you'll get around 10 calls a day. In one case I arranged a date and the very next day I'm being harassed again. This time being threatened by customer service to have my vehicle repossessed over a 100. My advice get your credit right and get better offers with lower interest rates. Trust me I'm working hard to refinance very soon

It is extremely hard to get anyone on the phone with Westlake. Can someone provide a number where you can talk to a representative? I'm new to Westlake and not being able to speak to someone makes me feel uneasy. I need to see if this company is featured on American Greed.

I have tried to speak to a live agent for weeks now. I have spent many hours in my days trying to reach an agent. I happen to get one through their insurance policy as for a number where I can find out what my refund would be from refinancing my car after being with the company for 6 months. They gave me a wrong number. I am still trying to reach a live agent after a month. The interest rate was way too high and I have a much better interest rate with a lower car payment.

Used them to get temporary financing for a vehicle. Paid it off in a couple of weeks. Can’t get them to send the title. Their only phone number, which is (even the one the dealer has) has been disconnected. Afraid we have been scammed. Everyone, please file a complaint with the Better Business Bureau. If their name is not already in the data base, enter it after looking up their corporate office address. THAT is one of the only things that help.

Westlake Financial has been nothing but problems. My truck had issues 24 hours after purchase, but they refused to cancel the contract. Their payment system failed even after I set up auto-pay, leaving me past due. When I called, the rep was rude and matched my frustration instead of helping. I was left on hold for over 10 minutes waiting for a manager. Poor customer service, unfair fees, and no accountability.

Jasmine was the customer service representative I spoke with on Monday 9/8/25 and she was excellent. She understood that life can present problems and because I have a good record in paying my Bills she made me feel at ease and no pressure to pay at that very moment. The world can use more compassionate people like her.

"Westlake Financial" these guys are the worst, avoid at all costs unless your credit score is 300, and even then... My credit score is over 830, I bought a car at a local new car dealer, and they got financing through these guys...at 19.9%!!! I bought the car anyway because I knew I would be refinancing for a better rate. In the meantime, nothing "AI Assistant" calls from them which I refused to talk to, and, all of a sudden, spam calls from everywhere. They will sell you information immediately, and you can stop it per their agreement, in the fine print. They are true reprobates. Their fees for payoff are high, and interest accrual for the 15 day payoff is predatory.

I want to thank Latasha for her help. She was a great help and customer service was super. As for that girl that hung up on me and was very rude need to be fired. I called to pay my daughter Nialla ** car payment and whoever this girl was that was the company should have a serious talk with her because when customer are paying their money you can't be rude like she was. Latasha Thank you again for you help today. When I called back that's when I got Latasha and first I ask for a supervisor or manager to tell them how rude this other girl was that hung up on me unfortunately they was busy but Latasha help me and calmed me down and assist me. Thank you again Latasha 5 stars for you.

This is Westlake Financial. Is it new? Car. Payment. Company. And it's a horrible experience. First of all. My date of birth is incorrect, not of my fault. So I cannot create an online account. The system wouldn't verify me over the phone. I press zero. I don't know how many times to speak to a live agent. That doesn't work. The phone kept hanging up on me because it wouldn't recognize my date of birth. So I put in my zip code. I was then recognized. Once I did that, I asked to speak to an operator.

Bad customer service and support. Staff don't know nothing. Don't answer questions. Bad. Don't answer phone. Very bad. Don't do business with them...don't know what is automatically payment it. l have auto pay.

If I could give zero stars..I would! My auto loan was sold to Westlake so, I didn’t have a choice. I am over half way through paying it off. The previous loan company let you have 2 times to skip a payment throughout the entire loan. My dad was on hospice and was dying…Meaning I was not working much during this time. This company has zero compassion and would not work with me. The only solution they offered was to move my due date two weeks. I didn’t need it moved! I needed a minute to get back on track! All my payments have been on time throughout this entire loan. Avoid this company at all cost!

Well, my experience has gone as follows. I’ve emailed customer service about my title. I’ve recently paid off my vehicle and I want to change my address so I get my title. Nobody will get back in touch with me. Nobody will acknowledge me that I even talk to them if somebody didn’t get back in touch with me and let me know that they got this information and it will be sent to me. There may be a better review in it as of now one star. Not good. Where I want my title sent **. My name is Timothy **. My account number is **. Just a friendly reminder or email. Let me know that you got my message.

This company has the worst prompts to get through to someone to help...a human.... The prompts are not user friendly and I wish I did not have to deal with this company at all. If there was a way to transfer my car loan to another company, I would do so in a hot minute!

Customer service is awful! Will never use this financial company again. It would be nice to actually talk to someone who can assist with whatever issue is going on. It's always by email. I cannot wait till vehicle is paid off.

I got this lemon from Omar auto sales. He said it was a good car, no issues, just change oil on time. Man the tire system always been an issue. The transmission blew out all on the windows on the interstate. The tires need to be changed every 2 months. Ac out. Seats ate up. The dealer covered it with seat covers on sale. Motor blower went out. I had to make so many repairs I fell behind on my payments.

I have had the worst interactions with Westlake. Their customer service reps constantly mishandled my account. I went into an economic hardship because they took out funds they were suppose to or I received a double charge from my debit card. I would not recommend using Westlake as a creditor.

I recently had to resolve a sensitive issue following the death of a family member, and my initial experience with the company was frustrating and unclear. That changed when I was connected with a representative named Jose. Jose was calm, professional, and genuinely empathetic. He listened carefully, clarified the process, and helped me update the account information and make a payment without added stress. What stood out most was his ability to turn a difficult moment into a manageable one—something that’s rare in customer service. Thanks to Jose, I received immediate confirmation, got the account updated properly, and left the call with confidence. If more representatives approached their work like he does, five-star experiences would be the standard.

I call to pay off loan. If I pay over phone it’s 60 days to process. If I send moneygram it’s 30!!! What is this.?? I pay online my payment. Come out next week. What a scam this is!!! I’m not going to be in nj in 30 days. That’s why I’m paying off car!! How do they get away with this?

These people are charging me for a car I don't even have. They are garnishing my check and now I have to sue them for my money back. Don't ever use this company. They are rip offs and try to take every dime from you.

Great team, excellent technical support, and the professional and personal approach they provide to your case. The app they use is very user-friendly and easy to use. I recommend their work and Westlake as a financial institution.

Kids look like mother, Westlake financial is a piece of shit. They ready to break your gate. Tow your car as fast as possible, so they can have the money the government face then expecting. DO NOT DEAL WITH WESTLAKE FINANCIAL. PLEASE ASK YOUR DEALER TO FIND YOU ANOTHER BANK.

My 2012 Jeep truck got wrongful repossession, was making payments and they also did a deferred agreement with me.. Repo my truck for $447. This is so illegal and wrong.. We need legal help on this matter..I been paying into them since 2021 and it’s now July 2025.. The truck was the only means to getting to work and family matters..

For seven days I’ve tried to reach a supervisor, I am currently on hold…. 34 minutes. Every other attempt has resulted in a rude employee swearing at me, yelling at me, being rude, hanging up, or putting me on terminal hold. The employee that has me on hold just came back and told me he can’t locate a supervisor. This company has two listed incorrect mailing addresses and has had my first payment sitting there for 7 days. All they do is send me nasty emails demanding payment. I show them a screenshot of my Bank of America payment and they do not reply. This must be the worst managed company in existence. I’m sending a complaint to the CA Attorney General’s office. Be careful with this company. My opinion is they are incompetent and hate customers.

Horrible. Westlake illegally bought my loan then charged it off then sold it to collections and now is attempting to use me. Nice try. I have my evidence and I've picked this battle to win. I do not recommend this company.

These people call my phone every day, I have asked them to stop repeatedly! I am not interested, I will never do business with a cold caller. I have blocked their phone number and have a bot to deal with them but these people won't stop, please leave me alone!

Used WESTLAKE Financial to finance a vehicle. A trusted friend recommended them. So thankful I listened, the entire process was so easy and stress free. Highly recommend them. Excellent service, Their employees are amazing.

I was approved to adjust my due date for the next billing cycle. Due to the 28th not being available on the calendar month for June, I had to change to the 12th of July. I reached out the Chat support and email requesting to have the change made for payment date the 28th with an agent 06/26 with no past due amount on the account. I didn't receive a reply back until 07/04 stating that I owed a past due balance $515 on my account. And if I did change the due date to the 28th, it would put my account in past due. None of this makes any sense to me being that there was no past due amount on my account until after I had to get the error issue on the due date for the 28th. I now have a balance over $1,000 due and that is also incorrect.

No way to get a physical representative on the phone even trying to call 3 different numbers. Set up auto-pay, and they didn't even charge me on the due date, making me late. I manually had to pay it. With an additional $5 fee. Is there a number to have someone physically talk to me? I've tried 3 different numbers.

For the last 3 months I have been charged an NSF fee of $25.00 for my auto loan of over 2 years with Westlake Financial. I have never been late, never missed a payment, never had non sufficient funds. These charges are added to my account before my payment due date and, in fact, before I have MADE my payment, which is always made early by several days to a week.

Awful just plain awful!! They start with enormous interest rates, which basically puts you starting out over under in your loan from the get. Then you agree and sign papers accepting this obscene amount you will have to pay, because let’s face it if you are seeking a loan from this kind of company then you are struggling to keep your credit score in the lala range that most financial institutions require to loan you money. Now that they have you where they want you they start with all the game playing. You are faced with paying extra fees every month just to make a payment by making payments with any of your cards. If you don’t want to pay an extra $5 to pay your monthly payment they offer an app to download and pay with your checking account for free!!! Not so fast!!!

Antonio was AMAZING! He was kind, professional, and very detailed with his answers to all my questions or concerns!! I have to admit, I’ve never heard of Westlake before. But, everyone I have converse with over the last two weeks have been great and very HELPFUL!!!

Just find another way to finance, my car was totaled, Westlake was paid what was owed them, yet 2 months later they are sending me past due notices and trying to debit my auto pay account. The one payment they took after getting paid off was never returned although they said they would. Just please find another institution that is of higher learning and standards.

I have had issues with customer service. They lied to me multiple times about my vehicle being released. They don't go by their policy and customer service are very rude and disrespectful. I will not recommend this company to anyone.

Great support team member Mr. Fernando, handled my login issues with the "my account", he handled my insurance updated information thru the my account, fixed my ACH payment info to bank. Awesome job Fernando!

I work within the financial industry and aware of lending terms and compliance. This company is continually attempting to repossess. They send every month a proof of insurance requirement when the policy is not even time to renew. They threaten to repossess if they do not receive within so many days even if the loan is completely current. Never do business with this company. My family has lesson learned and will refinance as soon as possible to avoid this unnecessary stress. Company needs to be investigated by the BBB to review their repossessions. This is how they are making money and bank on that they will be able to take the collateral to sell or auction. Then the consumer will receive an invoice for the difference of the loan. This is predatory lending and is against the law.

The company seems like a complete scam to me. I make my payment (typically 3-5 days early) every month, they send me payment confirmation number saying "we received your payment thank you", then 10 days later they say they haven't received my payment, and charge me a late fee. It's a total scam, and you will be stuck paying manufactured late fees every month.

No one answering the phone, keeps cycling for number choices, pressing zero did nothing. keep adding in fails and recharging to add on $25 penalties. I had this happen at a bank when I was in the military, 6 bounced checks for no reason. Thought I did something wrong, my Mother said no and looked into it and wrote for outside help. SO, contact the BBB to complain, the Attorney General for your state or California. Do all and everything you can if you are in the right. This current I am a co-signer for a family member. Go elsewhere, this seems a Fraud institution.

I fell behind 2 months of payments due to having to have emergency surgery. The same day I called and made the payments, bringing my account to a zero balance they came and repossessed my car. No notice of any kind. No email, no letter NOTHING. I didn’t realize a repossession order was opened on it until I called and made the payments. The lady I spoke with and made the payment with said she’d close the repossession order but she never did! I had a payment due that same day and I asked her if I had time to make that payment or would they still come and get the car. She say no, you’re safe, you have 30 days from today to make the payment, after 30 days then it’s considered late. I asked if she was sure because I can borrow the other $345 and just pay it now on top of the 2 months I just paid. I told her I work in social working and have to drive a lot to different clients' houses and she reassured me I was fine.

My credit is not the best so the dealer got me a loan with these guys. I haven’t even made my first payment and I already having problems with them. I got a link that went to my Apple Pay to make a payment to go to 7-Eleven and make a payment. So I went in and asked them and they said they knew nothing about it, so after trying to get to a live person for over an hour, I got one. I told them I had set up an auto pay. They told me after it comes out of my account I should call them to make sure they got it. This is nuts. These people all they care about is giving loans to people that have problems and they don’t want to help them. As soon as i can I’m going to refinance my loan and get away of these people. Also if you listen to their recordings if you don’t pay on time they will charge you $3.00 a day. If you can don’t do business with these people.

HORRIBLE!!! Service, (and that’s putting it lightly). I have now tried to make my monthly vehicle loan payment for the third time and is not getting processed accordingly. The first time they said I did not have the funds available (not true). Few days later…The second attempt to make the payment they said the account bank information was incorrect. The third time I talked to a representative and she assured me the payment went through/processes. I went back to check on the app a few hours later and now AGAIN it’s says payment is past due. They keep adding fees on top of fees. This company needs to be shut down ASAP!!! Mechanics Bank needs to take some responsibility/accountability for this as well.

Jose is a kind creditor who assisted me in a friendly and professional manner. He made a difficult situation easier by listening me and then by offering me a payment option that I can afford. It was good to talk to him.

Customer service is horrible. They will lie to you over and over just to get the money then give you the run around to release a vehicle. 24-48 hours to process every part of the problem which leaves you about a week without a vehicle. When I asked a customer service representative to transfer me to a supervisor she rudely said, "I'm giving you all the information but I'll gladly transfer you to someone else." Then the representative told me I can't talk to a supervisor. Company is a total joke.

Real pleasure to deal with, helpful customer service. They were my car loan company and I appreciate their email reminders to pay. I also appreciate that while interest accrues every day, there is no late fee.

Holding my title and not releasing payoff information for more than 40 days after payoff. Just a scammer company. Don't keep promises. NOOOOOOOOOOT RECOMMEND. NOOOOOOOOT RECOMMEND. NOOOOOOOOT RECOMMEND.

They are not honest and manipulated the numbers so they did not have to cover a certain amount owed to me in a total loss. I had and are very sneaky. They will send you in circles. All this is based on 30 day period. I owed 6k before total loss. My the end of the month after total loss it was 8k.

I do not recommend this company to anyone. They will screw you over. They lie constantly. The representative's language is never understood right to understand what they are saying. They repoed my truck due to their insane processing fees of 50 dollars. It is ridiculous to get a payment to go through.🙄 They repoed just for 50 dollars!!!! I am incredibly frustrated, mentally drained just going back in fourth with them, you cannot win with them. I'm trying to get my truck back but they keep saying that the dealership bought the truck back, but when I call the dealership to make an arrangement he tells me that they have not bought it back. Why so many lies. Their policies are so unethical. DO NOT GO WITH THIS COMPANY! If you did not choose May God help us.

I made my payment as usual and received the email confirmation that the payment had been received. A couple of days later, I received an email saying that my payment had been returned due to insufficient funds, and that I had to pay an additional $25 fee. I checked with my bank, and I definitely had enough money to cover my bill, and they said there was no reason that my payment should have been returned for insufficient funds. I called, and after a very lengthy wait, I was finally able to speak to a manager. I explained that I had received an email stating that my payment had been received, gave him my confirmation number, and he agreed to take off the charge. It's now two months later, and the charge is still showing up on my bill. Avoid this company at all costs.

Customer service is terrible and the supervisor is worst than that. I received a promotion because I made on time payments to change my due date. It didn’t change for six months and they took two payments in one month and said there is nothing they can do.

I made my April 4th due payment on March 26...however Westlake attempted to take another payment on April 4th resulting in an NSF charge. Customer service was no help after 2 plus hours of playing email tag with their worthless AI chat bot. Their rep told me that I have to cancel the autopay which I set up on their website if I make an early payment. I would not recommend this company to anyone.

Called last summer to make a principal only payment. Turns out they used that money and paid 6 regular payments. Then instead of regular auto draft payments they took interest only. I made another principal only payment and it put towards interest and principal. I called to ask them to correct their mistake and the poor guy had no idea how to help me, and it seems his supervisor didn’t either. I’ve been calling and emailing for almost a week to get help and finally got through to an actual person today.

Customer representatives are very helpful and patient! They were able to help me access my account. They immediately help me recover my account and submit my documents. They are very easy to talk with.

I am dissatisfied with Westlake's service and operational processes. The requested supervisory callback was not received, and the timelines for processing payments and releasing vehicles are inconvenient and create unnecessary financial burdens for customers due to processing delays.

When I purchased a vehicle and I actually got approved with this bank, I was floored and pleased. I made my payments on time until the car had massive issues. I didn't even own the car for 5 months and I already had to put so much money into fixing the car. I've explained this to them that I was struggling a little with the payments due to this. I even put a couple payments off until I could get back on my feet. I submitted this online and spoke with different reps. They DON'T care. I understand getting one or two calls a day. But 3 calls back to back in less than 20 minutes and 5 more calls throughout the day is excessive.

Terrible company. I wouldn't recommend this company to my worse enemy! I accidentally scheduled a payment and also paid a payment. Meaning they took two payments and it was the WORST EXPERIENCE to get a REFUND! Told me the card and account I've been using for 6 YEARSS! Wasn't valid to received a REFUND! Then wanted to issue a "virtual "debit card because mailing a check was also invalid. Few more months and I am done! With this company. I don't recommend any business with them EVER!

Please Do Not Finance A Vehicle or a Dog house with Westlake Financial. They are dishonest, have no empathy and I believe have unfair and unethical policies. I paid $14,200 for my down payment for a 2018 Nissan Armada Platinum, one missed payment and truck was repossessed. I called Westlake within 1 hour of them taking my truck and was told by the representative that I don’t qualify for reinstatement. The emotional, financial and mental stress I endure with Westlake Financial I don’t wish on anybody.

These guys charge me double the same month one day after another without my consent. Once you try to solve the problem with costumer service they act as they can help, they say you need to wait 3-5 days and you are losing your time. I tried again with another client service and he was worse than the first. They seem they are improvising and have no preparation at all, this last one couldn't even send me a text to my phone number saying he did, but he didn't know how to do it. I don't recommend WESTLAKE FINANCIAL TO NOBODY. This client service is so bad that I can't imagine they can earn their living being so mediocre.

Westlake Financial is a classless institution. I paid off for my vehicle $17,900. Now I'm being told that I must wait 30 days for them to verify my payment. Westlake had collections department call me 6 (six) times in 1 hour because my payment was due. I will discourage anyone from doing business with Westlake Financial.

On several occasions I have tried to pay through their website and had serious challenges that delayed my payment by several days, or the payment had been "lost". Their customer service staff is rude and unprofessional. When you call the customer service line, it's anyone's guess whether or not you even get someone who speaks your language. Many of their agents sound like they're from another country and you can't understand anything they say. Customers are frequently put on terminal hold and get stuck in a loop in their phone queue. Their website has a virtual assistant that constantly pops up just when you're starting to make progress, then you have to start over. They provide no opportunities to turn off the virtual assistant so that you can actually get something accomplished. It causes more problems than it solves. The interest rate that I am required to pay is actually considered predatory interest in the state where I live. I will absolutely NOT sign any agreement with Westlake ever again. I have been disrespected, disregarded, and robbed.

They were very helpful with assisting me with requesting a refund. They listened and understood my dilemma. I appreciate all the help and assistance. As I continue to be a customer until my loan is paid off, I hope all my interactions will be just as pleasant. Thank you.

EVIL!! My wife and I got a 14.9k auto loan. They stated it was a 6 year loan. Criminally misleading us! It's a 10 year plus term! With 90% of each payment going to interest! They refuse to email or make contact! They refuse to allow extra payments or early buy out! This company needs boycotted and sanctions for misleading the consumer in order to land the loan!

They bought my account off of Nicholas Financial. Worst thing that ever happened. They're rude and arrogant. They Hound you for payment after you already made your payment and it shows on your bank account that they received their money. Please be aware when thinking about using them.

If I could give them a minus I would. They lie and steal your money. You can never get anyone on the phone, it's like a fake business. They asked for my gap insurance refund which was MY MONEY. They kept my 916.00 until I finally wrote to every CEO listed on the web site. Now they tell me they put the money from a third party Debt card but guess what? I NEVER got the card till yesterday. They said they mailed out the debt card. Well I never got it till yesterday 2-18-2025 at which when I activated the card thinking I had 916.00 on the card. The fraudulent Westlake took back the 916.00. PLEASE STAY CLEAR OF THIS FINANCIAL COMPANY. They work hand in hand with Auto Lounge where I purchased the car. VERY VERY VERY shady which has left a bad taste in my mouth. So now I am out 916.00.

DO NOT USE THEM! Absolutely terrible service. These people are not organized & when called out they do not take responsibility. I had to re-finance thru another bank. Best decision I ever made. If you're ok with terrible communication, unprofessionalism, a website portal that is not user friendly...then go for it!

I was told I owed 357 which I paid, then was told that I owe over 500. This loan servicer is ridiculous, and I am so glad my car is almost paid off so that I will never deal with these people again.

West Lake charge off a vehicle that I co-signed for in June 2023. It had been wrecked in February of 2023. The insurance paid $10K in May 2023 for the vehicle which owning $5K. Gap covered all but $500. On our credit report it shows we owe $5K. I called customer service and they tried to off me a 10% pay off of the $5K. Not when they have literally gotten the loss through the IRS illegally for the "charge off" PLUS gotten paid a total of $15K from both our insurance company and GAP. The vehicle also had 3 VIN numbers on different parts of the truck.

Well it seems pointless to write about their horrible customer service or a phone system that is beyond maddening, if you don't have any choice and have to use them as a loan officer then you gotta do what you gotta do but I would stay far away from them.

I contacted this company after they reached out to a relative looking for a "reference" for myself. I've never even heard of this company until my relative called me to tell me someone had called him asking about me from this company. I spoke to Antonio asking questions he would not give me even the most basic information regarding what Westlake was or why this would have happened. He then transferred me to Customer Service who was thankfully MUCH MORE forthcoming with information, however still did not have a fraud department etc for me to share my concerns with. I've now frozen my credit as a safeguard, however I have no idea what's going on and they were ZERO help.

Thoroughly disappointed in this provider and I will be looking into possible options to switch providers. Their customer service team is unprofessional and keeps giving wrong information at the expense of their clients. Changed my draft date and was given the wrong information re my next due date - almost had my car reposes - had to pursue legal actions as all calls are recorded. If you choose this provider, ensure to double check all information you are given and ensure all calls are recorded, double check all paperwork and know your rights!

They are more like robbed me for the car. They auction my car after 2 years and 4 months of my payment and in the condition of payment was current. At the time they have my car and 90% of my payment were only interest. Here are my complaint.

This is a horrible company. Nothing but auto service. Not there to help. Just collect money. Don't care about no situation with company or dealership trying to solve. Have you waiting on phone for hrs. Everyone like robot and been program what to say. Hate I sign up with company. Didn't pay close attention. Was just happy to get car. Please read fine print. Company rip off. Find all kinda way to get more money. Don't know why this financial company open. It feed on poor and charge high interest rates to keep rich.

I used Westlake financial for my first car loan and it was a massive disappointment. Lost my job? Great, now I get to tell 5 different representatives my story OVER AND OVER AGAIN. Finally paid the loan off, but I don't think I'll ever use them again. They really should be documenting their calls, sometimes they're also very rude and condescending which doesn't help the brand either. That's just my 2 cents though. Need a loan for a car that might lose half of its value and land you in an upside down car situation? This lenders got you covered.

If I didn't have to choose Westlake, I wouldn't have. It's the biggest scam of a company. Customer service is terrible. One representative says one thing and another says something different. How are companies like this still open? We're already taken advantage of by the world, now by companies too! I'm thankful for the loan, but if I'd known all this would come from choosing them, I would have kindly walked away and just waited. #Unscrupulous #TerribleCustomerService #ShutThisCompanyDown And I rate them less than a star.

I'm a car dealer. I mainly work on car mechanics getting the cars ready to sell. They accused my firm of setting up a straw loan. It is the job of the bank to vet their loans. How would I know. And the family were even paying their bill on time. That's a funny way of saying they do not want our business. Snotty incompetents. Bankers with a W.

I'm giving this company zero stars. I paid my truck off. They sent the title but sent me a email today saying I owe $490. I have the email off my payoff quote and i have the bank statement providing the payments that I paid it off. They said that if I don't pay it that it will affect my credit score. I have a perfect payment history. My credit score almost 800. I'm very responsible with my credit. The most strange part of this was that I was using the website to make my payments but when i was almost done paying it off I didn't have access to the account anymore and they told me I had to call to make the payment. This company is scamming people with their interest rates in the first place but I needed the vehicle in a hurry so I went ahead and financed through them. I don't understand how these people can get away with their sneaky tactics.

Absolutely the worst finance company ever. Do yourself a favor and if Westlake is even mentioned as an option by your car dealer, tell them HELL NO! The company is nothing but foreigners you can’t understand. They call you 40 times a day if you’re one day late. They put 90% of your payment to finance charges. They repossessed by Jeep and made me pay $1250.00 to get it out just to charge me $820.00 on the next months bill for repo fee. They are the worst company I have ever dealt with and I am tempted to just give them the car back and just file bankruptcy to avoid paying these scammers. People talk about health care being the worst at scamming people, this company is right there. It is not surprising they are in California. Do not finance with this company no matter how desperate you are. There is a reason they finance almost everyone.

Great experience. Shout out to Devonte ** 10/10. Help me out and understood the processes. Help me out and was helpful. He went above and beyond to give me the best service. So I'm very happy for the help.

If you ever get a pre approval from Westlake and that’s your only option please do yourself a favor and don’t go with them, your other option is not get a loan with them and trust your gut, it’s best to walk or take a bus, if I can give them a 0 star I would.

I unlikely leave bad reviews but I had to do this so be aware. Westlake Financial decided to take multiple payments for my car loan within a month. When I called in to try to resolve the issue (asking for my refund) the customer representative kept hanging up on me after leaving me on hold forever. Spend about two hours on the phone with no help. Please be aware. DO NOT SET UP automatic payments. Good luck!

Devoted helped my wife and I with our loan repayment and saved our literal lives....Great people great service...Will always use Westlake for our car loans always! We were behind after starting our own company, but he took our past history and current situation and extended our loan to help us get the truck back....

I have I 12,000 car loan from Westlake. Was supposed to be 36 months. After looking it’s 66 months. I been paying $330 a month for 6 months and only $30-$60 go to my principal every month. Can not talk to a real person. They won’t reply to emails. I don’t know what to do now.

Absolutely a terrible company with really high rates!. I'm trying to call and pay off my loan and now all of a sudden the automatic system can't find me and I can't get ANYONE on the phone. I want my title! I'm going to hire an attorney and sue!

I used this lending service in a pinch to buy a used car. This service lacks many of the perks to being an online lending bank, specifically for the purposes of making you pay additional fees. Email notifications either come late, or day of to increase the chances of a late fee. Free payment options are extremely limited, other options are available through third party payments for a fee. Paying off the loan early only happens through third party payment options, for a fee. Of course you can send in a check, and by the time they cash it to pay of the loan, you guessed it, accrued interest and a fee.

While there were a couple of contact glitches (messages going to junkmail, overflow to Spanish autoloan branch), talking to the agent was an excellent experience where I obtained the explanations and help I needed. I recommend this company. Thanks to Diana Rose. Sincerely, Wes

I was calling to make a payment and to find out if I could do an extension on my next payment. The customer service representative was so rude in the chat that I felt like I was o being prosecuted. So in asking again another question he replied and said, "If you have nothing else to say have a nice day," and disconnected. I was totally felt being disrespected as a consumer.

My son wrecked the car we had financed through Westlake Financial. Westlake kept telling us the car was at a specific impound lot nearby. The impound lot was adamant that they didn't have it and never had it. The Geico agent said they were present when Westlake Financial sold the car at an auction and that the impound lot they claimed it was at was never on any paperwork. There was no reason to take and auction off the car we were trying to have repaired through insurance. We have never missed a payment and are still paying on the car that they lost and sold. No calls have been returned. Everyone we speak to hangs up on us. If you're planning on financing through them, run.

Vehicle was repossessed and paid the repossession fees to retrieve the vehicle, days later I'm allowed to pick up the vehicle but as time goes by and I receive another bill for $700+ to which I couldn't understand where charges are coming from. I must have called 3+ times at this point and nobody can explain as to where charges are coming from. The last service representative inclusive says, 'Well the charges are there. You either pay it or you don't. Either way I don't care as we will just continue to charge our interest on to it." Way to go Westlake, I applaud you for the horrible customer service.

This place is horrible. I would not recommend using their service. I set up for automatic pay and they never took the money. Then want to charge late fees and insufficient funds fees. Once I noticed the fund aren't taken I have to call multiple times just to get them to take their money. On top of the fact they're continuously harassing me to verify and send them information that I have already sent multiple times. Ridiculous interest rates and customer service that you can't understand or speak to so clearly. If you have other options I'd suggest using them instead.

We made arrangements with Westlake to pay on November 1st. They said ok. We was blessed to pay it a couple of days earlier and they still repossessed it and I have breast cancer stage 4 treatable but not curable.

If I could leave a zero I would! I did what I was supposed to do to get my date changed to the 15th instead of the 1st, and they still charged my account and still charged fees. Then accuse me of not doing my part. I have all the emails stating that I had set it up correctly for the 15th and everything. And you could never get through when you try to call, I had to say I was a dealer. I only financed my card to build credit. I should’ve just paid it off, And which I plan to do here very very soon. What a horrible company. I would never recommend them to anyone, not at all!

Second car loan with Westlake Financial. Very disappointed because they increased my loan by 1000.00 on a fixed loan because I deferred my payment and changed my loan payment date due to the pandemic. My loan was only deferred for one payment. Now that I am at the end of the 72 payments, I now find out that I have a balloon payment added to the end of my loan because of the deferral and the change I made to my payment date. My payment was changed from the 20th to the 1st of the month. They agreed and now I own 1000.00 more?? Filed a complaint with CFPB and they respond and stated that I had numerous late payments. That is a lie. Is this legal??? Can my loan amount increase by 1000.00 without my knowledge on a fixed loan??? Buyers beware of this company.

Second car loan with Westlake Financial. Very disappointed because they increased my loan by 1000.00 on a fixed loan because I deferred my payment and changed my loan payment date due to the pandemic. My loan was only deferred for one payment. Now that I am at the end of the 72 payments, I now find out that I have a balloon payment added to the end of my loan because of the deferral and the change I made to my payment date. My payment was changed from the 20th to the 1st of the month. They agreed and now I own 1000.00 more???? Filed a complaint with CFPB and they respond and stated that I had numerous late payments. That is a lie. Is this legal??? Can my loan amount increase by 1000.00 without my knowledge on a fixed loan??! Buyers beware of this company.

This company takes over companies like Covered Care who deal with companies that commit fraud. I say this because of Renew Dental Implants who came to the city of New York, used covered care to have patient sign in for excessive loans 22,000.000 for subpar dental implants. Two months afterwards they pulled out of the city without notice to the staff and patients and left hundreds of patients wondering how they will finish the year long process of getting their health and dentures finalized.

Absolutely horrible company who are scam artists. Voluntary surrendered our vehicle with calls and emails to verify. Now they are stating the car has been impounded. They also call in a harassing manner. Calling us 5x before 10am! They lost our vehicle that we handed them. Ridiculous. DON'T EVER DO BUSINESS WITH THEM. The rates are ridiculous too over 700/ month where 39%.

If you want to get robbed, lied to, and charged insane amounts this is the place. Nothing but frustration with this idiots. They can barely understand me and they never solve anything. I wish I never signed a contract with them. I am leaving reviews everywhere!

Sometimes one has issues given health and/or employment that hit hard all of the sudden and make making on-time payments basically impossible. For me, both employment and health hit me hard all at once. I was nervous to call and ask Westlake for help. Antonio **, who I spoke to on the phone, immediately made all my anxiety go away. What a guy. Give Antonio a raise. I have no fear of losing my car which I have to have for my growing business. Antonio ** is a star!!!! He made a revised plan for me that works perfectly and is totally reasonable. What a guy! Antonio deserves to be paid well for his incredible work at Westlake Financial. Made me a happy customer today, no doubt!!!!

Terrible company, they try every time to steal from their customers. If you pay a huge amount to principal they stop posting on their app something to pay-off. If you call the company call center, they are saying just pay what the app is showing, but here it is the tricky, they are charging you the interests but not post them on their app.

I paid my car off last year almost seven thousand dollars. Westlake got it a week after I sent it off and cashed it at Wells Fargo. Then they had the nerve to take my money then came and repossessed my car. I been calling sending letters to no avail. Someone one from westlake called my bank and my bank told them yes she got a cashier check and you guys cashed it and they still wouldn’t help me. I paid a lawyer almost 800 dollars to write a letter. No response. I give them a high review so this could be seen.

I’d like to start off by saying they are very lenient on making the payment. It’s that when I subtracted what I was paying didn’t make sense. Now maybe I’m dumb but I did the calculation on my calculator and the math didn’t math so I would hope they wouldn’t scam me out of money. But I’ve been paying on this car a long time. It’s pretty frustrating but I guess I just take it. Also I got it used at a Toyota dealership soooo.

To whom this may Concern, I have the absolutely worst credit a person can have. It's may be embarrassing to say, but Westlake gave me the opportunity. When other creditor turned their back on me. Even through my divorce I had financial challenges, but yet again Westlake was willing to work with me. I don't write a lot, but when I do my word speak volume. I like to thank Westlake for helping me and may they continue to help other. Respectfully A satisfied customer.

This company is little but a bunch of con artist. They'll tell you one thing and then show another. I was in the hospital with end of stage kidney failure and I was only a month and a half behind. Then my parents call me while I was in the hospital saying that my car is missing and I called Westlake Portfolio and found out that my car was repossessed. So I talked to them, I pay the reinstatement fee and lo and behold I see there's a repo fee that they never told me about. They said to get my car is only $25 but the repo fee on their account with $705 so they charge me for something that they did and they affect me to pay for it now.

I had the pleasure of working with Ryan ** (**) today, and I must say that his level of customer service was outstanding. From the moment we started interacting, he was incredibly understanding and patient, which I greatly appreciated. It’s rare to find someone who not only listens attentively but also takes the time to ensure that every concern and question is addressed fully. Ryan made what could have been a stressful situation feel seamless. He took the time to walk me through everything step by step, explaining things in a way that was easy to understand without making me feel rushed or pressured. His patience is truly commendable, and I could tell he genuinely cared about providing the best possible service.

This company need to be shut DOWN! Everybody is going through the same thing, like how are they still in business!!! I am sick to my stomach! I was with US auto!! They sold my loan to them and why! I would like to sue!! I just need to know what steps to take first!

I called Westlake Financial to make a payment and to get some information regarding my account. Davonte ** was the representative who took my call. Davonte was very helpful and knowledgeable in assisting me with both requests. On the call, I definitely felt valued as a long time Westlake customer.

I've been with this company for 3+ years and the service that I have been receiving lately has been unacceptable. I'm not one for leaving bad reviews however the lack of empathy and communication lead me here. I have been trying to get rewrite doc sent and no one can seem to send it, yet I receive everything else from them via email. This company has made thing very stressful for me these past few weeks!

Latasha ** was very understanding and great with communication. She needs a raise ASAP. And if she doesn’t that is buck-wild. Just letting you all know. Other than that though thank you very much for helping.

I have never missed a payment! I have never been late on a payment! But when you get down to the last 3 months owed, SURPRISE, they want 3 mos payment in one month! I'm blown away at their greed. They not good about getting you your title to you either! BEWARE.

I hate Westlake Financial so much. They call 10 times a day even on a Sunday. They call us when we don't even have that car anymore and when you block them they create new numbers. Can't wait till I get a new phone number tomorrow...

Started this process by prequalifying for the purchase and I get that things could change however a lot of what I’m being told to justify these changes seem to be unjustified. Identifying personal loans as auto loans to raise the down payment then suggesting that my income is shared by others??? Even if that were true if I am qualified to purchase the vehicle have agreed to what is almost double the down payment why should it matter where I spend the rest of my money so long as the payment is made.

I paid off my vehicle based on the payoff amount that Westlake Financial gave me. I received an email that they are refunding me an amount of money based on me paying too much. I received access to a virtual card that has the balance of money on it. I want the money back in my account because that's where it came from, not a virtual debit card. I tried to transfer the funds to my account and the website isn't working properly.

Westlake like so many of today's companies have employees that should be turning fries at the lowest level of employment. But also we have the fine and even outstanding employees. I would recommend that they teach their employees in dealing with Seniors for I truly felt like a dog with a couple of those individuals! Would I recommend Westlake -- Yes. Overall they are a very fine organization.

Customer sevice rep (Jomarie) was excellent and very helpful with assisting me. The service was refreshing and he was very professional. He made my experience working with Westlake Financial for the first time very satisfying.

I have been a customer since 2021 and Westlake has been the worst financial company I have ever encountered. Constant run around when trying to resolve an issue, TERRIBLE management, just all around a shady business considering the many lawsuits that they have been involved in. If I could rate 0 stars I would, DO NOT recommend this company at all.

They illegally repoed my vehicle!!!! Then when I paid off refused to give me title!! THE WORST EVER!!!! Mostly foreigners and they’re rude and will hang up on you!!!! I could never reach a supervisor!!!

I've never seen worse than this bank in my life…! The car dealer committed fraudulent actions on my behalf with this bank, which is why I am forced to pay this loan, but the bank employee absolutely does not care and they do not react to it in any way. Does not conduct a check, I'm just terribly outraged.

I've had this car loan since 9-2022. My instructions were to pay on the 12th of every month. When paid on due date little to none principal applied to my account, I called to speak with a agent about my concerns but only was able to get bill collection and no one was available to help me with my issues, for example: I paid $300 on 6-12 and interest was $200 then the following month 7-12 interest was $230??? I don't understand. I smell a rat.

Today, I call Westlake Financial because I needed help with my payment for the month of June due to my husband having an accident. Westlake Financial employee Denis was very helpful and assisted me with all my needs. He was awesome.

If I could leave no stars I would, customer service is horrible & they consistently hang up on you. My car's been paid off for 2+ months & they keep saying “the title & Lien release will be there in a week." “It’s been sent out” but they say that every week and it’s never actually sent out. It’s just to buy them more time. It’s been weeks and weeks and every time I call it’s “your title is being sent out tomorrow." Every week I get told that. They are trying to keep my Title and scam me. And after complaining weeks ago they said they would send out the lien release within a week so I could just get the title myself and that was over 3 weeks ago. No title or lien release in sight, my advice if you’re involved with them retain a lawyer & file a lawsuit. My next route.

Not worth a rating - warning do not do business with Westlake! Worst company to work with. They had me in a contract with no license plate or inspect tag. I refused to pay because no manager from dealer compliance or Westlake Financial has yet to contact me in 7 months. They repo my car cause I refused to pay for a vehicle not registered in my name and westlake failed me considerably. I will now have to get an attorney and fix the repo and two late fees from these issues. Westlake reps were fully aware thtat the dealership autotex financial opens up dealerships and closes permanently and reopens. Rep said they do it a lot and he was sorry. I can only assume westlake and Autotex are scamming people

My agent was very professional and helpful. She answered all of my questions precisely and resolved all of my issues in a timely manner. Excellent communication and service. I could not be more satisfied.

I have been contacting Westlake Financial from 6/6/24. The money was not processed on the 6/12/24 when I contacting them again, I contacting Westlake again 6/17/24 and my issue is still not fixed. I have been trying to process a payment for my vehicle and, the money is still in my account. I have called and talked with a supervisor and my bank, the bank told me to give it another day, I just want to pay my vehicle off.

I just had a very bad experience with this financial institution. I called to make a principal payment only and next day I found out that they took out interest out of that payment. I called and ask why is they came out with a lie saying that I owe interest on previous payment even when all my payments are made on time.

I have been working with Westlake for a few months on my auto loan. I've found the website and app to be straightforward. Payments are easy to make. It can take a little while to reach customer service, but they are helpful once you get through. Jose ** was incredibly helpful to me and explained some details that I was struggling with. He made the process easy and pleasant and he is a big part of the positive view I have of Westlake.

Was financed 20,000 for a 2018 140,000 mile Grand Caravan. Purchased extended warranty Advantage SecureOne. That has somehow changed in the 9 months that I've had the car, I dealt with bad brakes, rotors, calipers, etc, for the 1st 9 weeks in Aug 2023 until October, kept bringing back to the Platinum dealership, then my transmission went out didn't have the car for over 60 days. Kept paying my payments though I want showed a window price, a warranty. Was the only car they offered me for 19,000. You wouldn't believe the lies and things they did to even get me approved for the car. So now my driver seat breaks, and power locks making horrible noises. Never got a manual or spare tire even..Shall I go on.

This is the most poorly run company. I tried to pay off my car that I financed with a different company. Westlake bought their debt. So I tried to give them a little over 2600.00 and they told me they couldn't take it. I wasn't due fir 4 more days. Then they call me 4 days later to tell me I'm 4 days late! This place smells of deceit.

Please don’t waste any time with this company!!!! Avoid it ALL cost if possible. On every call make sure you document who you talked to, what was said and what time. They have people inside that will just do whatever they want and leave no trail behind themselves if you don’t. I’ve been waiting to receive my title since March, car got repossessed in April and returned right before auctioned ONLY because 1 night team lead B.Pierson who ACTUALLY listened to the concern. She was the sweetest!! I'm so thankful im no longer associated with this company after I get this title.

Great, company ,good communication, every time I call them, they so friendly, last I talk to Prudencio, this gentleman was professional, thank you, and I'm recommend this company for every one, who need loan or car finance/.

I have had nothing but wonderful experiences with Westlake Financial and in making my final payment I had a wonderful experience with Mark **. He is very professional and knowledgeable. If I have to make another car purchase, I will definitely use Westlake Financial.

Customer service is absolutely horrible and straight out rude. I got hung up on 3 times trying to ask for a refund that was wrongfully taken out of my bank account. All of the reps could not answer any of my questions and when I asked to speak to a supervisor they hung up on me.

I paid my loan in full and mad 66 payment with 24% APR. And customer service agent from Westlake Financial called me and told me that there is an outstanding balance of Ten thousand dollars on my account. I was in shock when I ask where that balance from. They puts me on hold for hours and then call disconnect a several times like that

We purchased a 2013 Ford Explorer and power steering has went out after numerous and I've had it repaired and programmed but we have continued to be ran around by different agents and no resolve nor have they been willing to accept a surrender after 12 days of having a car that doesn't work. I'm very dissatisfied with Westlake and the messiness of how this has been handled!

Westlake Financial are not helpful when it comes to Secure One. Secure One is no good. They don’t help you with your warranty. They give you the run around telling you to call Westlake Financial. Then Westlake Financial tell you to call Secure One. Ridiculous business practices doesn’t makes but everybody wants their money.

I will never do business with this company again. I got an auto loan through them, paid it on time every month for over two years before refinancing the vehicle with my local bank. First of all, they charged me a fee every month just to be able to pay my bill and the only way to avoid the fee was to give them my sensitive banking information. A fee to pay a bill is theft in my opinion. You should never have to pay someone just to be able to pay someone. Then, once I did refinance, they owed me a refund and instead of giving me my refund they sent it to some other company who gave me a digital Mastercard. I tried to get a hold of that company to get my refund and crickets. I called Westlake back to complain and got told there was nothing they could do about it. Couldn't even speak to a supervisor was told I could try to call back later but that's just how we do it. A horrible company to do business with, do yourself a favor and stay far away from the headache I have had to deal with while doing business with them.

This by far is the worst company ever. Run the overway. I paid my car off waited almost 2 months to get the title and they owed me 466 Dollars and some change after paying almost 16 thousand for a 2015 Nissan Altima. My loan was with King of Credit and they got a hold of it. I sold my house and paid this car off. They gave excuse after excuse about the title I kept calling every day and finally got that. Told me they owed me the 466 and now of course saying they don't and it was applied to car payments. What damn car payments, the car was current, I sold a house and bought a house, I was not behind on anything, had to be current with my bills. And the title company where I sold and bought the house sent them the payoff and called ahead and got the total payoff.

I absolutely love this company. They help you out as much as they can. Mr. Able is one of their employees. He is amazing. Very positive and will help no matter how stressful the situation is. Thanks Westlake!!

My name is Salim ** and I finance my car from Westlake Financial, met an accident and my car got total loss and my insurance company sent the money to Westlake financial but even after receiving money, westlake financial never updated that in their system and I keep getting call from different number asking me to pay my monthly due. Every time they say not received money in account and I forwarded Westlake financial email with payment transactions done by my insurance company.

Westlake Financial OVERCHARGES. I was encouraged by the Rep. to change my due date, I am very Dissatisfied with Westlake Financial. I was NEVER TOLD I will be charged another Month's payment of my car loan when my due date changed from the 4th to the 10th. It's a horrible interest rate (they are scamming) by way of their interest rates and clauses.

Today I got the chance to speak to Fernando Ramos (if that's his real name). I had a total loss on 1/5/2024 and would check up on my account waiting for payments to be issued from my insurance companies. Speaking to Fernando today I was trying to figure out why I still had a balance and he became so upset asking me if there was a problem like he wanted to fight. He was yelling and being very rude and disrespectful. I asked him basic questions that he act like he couldn't answer. Fernando stated "you're trying not to pay," which is very false, I have the right to know exactly what I'm paying for. Then I asked for a supervisor multiple times before he decided to hang up in my face.

Worst finacial company to work with, the most rude people a company Could have. I hope this people at fraud department must be good paid. I just work with them and they closed my account for less than $4k.

Lala ** is the best representative that I've had the pleasure to work with. She went above and beyond for me and I can't thank her enough! She was so kind hearted and made things happen. She definitely needs a pay raise and or promotion. I feel like she needs to train other employees. I was just getting hung up on and was told false information from some of the employees I was dealing with. Some employees were just very rude to me. A lot of the customer support representatives really don't know what they are doing. Thank you Lala ** for everything you helped me with. I can't give enough praise to this employee but please hire more like her! Thank you again Lala!

Roberto was wonderful to work with. He treated me with respect and understanding. Professional yet friendly and made the process so easy. He was very thorough, explained the steps and worked with me to solve the issue. If more debt collectors were like him, people wouldn't be so hesitant to talk to them. Thank you Roberto, I really appreciate your kindness.

I made my last payment back in June of 2023 and Westlake has been telling me everyday for almost a year that the paperwork is in the mail. And I still haven’t received it yet. I have been calling every month for almost a year. And they will not release my paperwork. Can someone please tell me why?

I purchased a vehicle from a dealership that uses Westlake Financial Services to finance. They turned a $14,000 vehicle, that I put $5000 down on, into a $28,000 note and never provided a contract. They sold my "contract" to another company that I never signed with. The car ended up being a lemon and stopped working. I decided to forfeit the vehicle after faithfully making payments for a year and a half. The customer service department argued with me, stating I would still need to pay the car off and were extremely rude, argumentative, and pushy. I keep telling them to get the vehicle and they only tell me that it could be days, weeks or months before that will happen and they still want me to pay them. I have made it clear that I am forfeiting this car and will not pay any more money for it. They refuse to get it and continue to call and harass me for payment. They are thieves and should not be in business.

Worst service!!!! I paid off in december 2023 my car, i called 3 times for my title, still don't have my title and we are in April 7 2024. And in April 7 2024 don't solve and waiting me to call again next day. This company is only to take a lot of fees and to lose your time. Avoid!!!!

I unintendedly fell behind in my payments. I received an Email to contact Westlake regarding payment arrangements. When I contacted the finance/credit department I was told I could pay $43K, or settle for $32K, then over the course of 8 phone calls (same day) I was assured they would settle for $25K. During the call I was told I was irresponsible, I should grow up and handle my finances better. This person stated they were my account manager, no one was higher than them and "it is what it is". He also hung up on me. I left 6 messages for a supervisor to contact me over 6 hours and never received a call back.

Mr. ** was so understanding and helpful and patience with me. I Really appreciate him helping me with my account. He's the Best and deserves a big raise for all his efforts. Westlake Portfolio Management took over the car account from American Car Center and has been patient with me.

Kudos to VANESSA **! She was so patient and kind with me! She understood what I had called in for! She showed a lot of empathy with my situation to getting my account up to date and scheduled payment. :) Thank You Vanessa! -B&S

I leased a car though American Car Center in 2019. The lease ended in June of 2022. Because the amount left to own the car was less than $3k and we'd already paid 3x the KBB, we agreed to pay the remainder of the sale price to own the vehicle outright over the next four months. We made the last payment in Sept 2022. American Car Center told us they would transfer the title electronically to the Florida tag/title system. They never did, despite us calling every week. They shut down and we didn't know who to contact. We paid almost $23k for the vehicle that is barely worth $5k. NEARLY TWO YEARS LATER, we wake up in the middle of the week to see my car being REPOSSESSED.

Roberto was my representative and I am extremely impressed with how knowledgeable he is. He explained everything to me step by step as he talked me through the process. He is truly an asset to this company.

First of all, I was robbed of an extra payment for the month of February because of the mistake made by an agent on the 2/12/24. On 2/16/2024 I had place a call to the customer service department and I was very unhappy. I spoke with agent Charis ** whom purposely hung up on me because she could not handle the pressure of customer service. Then, I proceeded to call back and spoke with agent M. ** whom clearly could not handle the pressure of customer service and hung up on me as well. Lastly, my third attempt to handle my concern of being robbed and neglected, I spoke with Gerone ** and this agent hung up on me as did the previous two agents due to the pressure of the customer service job.

Perice demonstrated exceptional professionalism and customer service skills during my recent interaction. Initially, my experience with another agent was disappointing, as they were rude, dismissive, and ultimately hung up on me. However, upon speaking with Perice, the atmosphere completely changed. From the moment she verified my information, she exhibited compassion, attentiveness, and genuine care. Despite not achieving the desired solution, Perice's demeanor and dedication have convinced me to remain a loyal customer and advocate for this company. I strongly recommend that you emulate Perice's approach in hiring and training agents, as her level of service was truly outstanding. If it were possible, I would gladly tip her for the impeccable service she provided.

Jesus really was patient was patient with me. Best customer service support agent I’ve ever ran across. He made understanding my account easy. He as an agent is what I’m rating. Thank you for training such dedication.

My mom passed away and was not able to make my payment on time due to expenses. Geraldine was so very helpful. And it is my first payment with this company. I so appreciated her help. And she even told me she was sorry for my loss and I thought that was very nice of her...

This financial institution isn’t not very trustable, they charge more money on the last payment of my loan, and the agent said that was more money. Also an agent offer me the GAP insurance and he said at the end of the loan pay off I will receive a refund if I did not make a claim. So I’m been calling the customer service many times and never transfer me with an agent of the GAP insurance. Finally, an agent answer me and he said is not a refund for me, so I do not understand why they lied to me, not a serious and responsible company/agents… I never will get finance with them again…

I was nervous about the reviews that I had read about Westlake Financial. The car lot where I finance. My car sold out to them. So westlake took over my loan. Car is paid off and title received. Very happy.

The customer care representative for Westlake Portfolio named Roberto ** was very understanding and empathetic to my desperate and unfortunate financial predicament. Likely the kindest “attempt to collect a debt” phone call I have ever experienced. His sincere effort to work with me and discuss the options I have available to get back on track was amazing. Roberto lifted me up and removed my financial fears. He gave me confidence and hope that everything will be okay and encouraged me not to ever give up. Desperately broke people barely making ends meet really need to hear that. Thank you Roberto!

They took out a payment on 1/20/24 when I made payment in full on 1/19/24 and my bank account is in the negative costing me 2 days of work. They tell me I will have my money in 48 hrs, well that doesn't work because I have been told if I don't show up on 1/24/24 I will be fired. Thanks Westlake Financial for taking my money when you were not authorized and for enrolling me in the Auto pay that I have told you not to do and I will not give authorization for any Auto pay.

The process is hard. I’m 41 days late but I made my arrangements for my payment. I’m struggling in a hotel paying day by day to stay afloat. Jose help me to get my payments on point. Thanks Jose! He deserves a raise.

My customer service representatives were able to help me and not spam me! It is always preferred that I am able to speak to a live person. No robots about it. I cannot thank the ** team over at Westlake Financial enough. Their English was outstanding and their accents were appreciated. Thank you Westlake Financial. And thank you even more to the engaging team members!

I fell behind on a payment and he explained very well what my options would be. I am struggling financially and did not know that I had options to consider. He was kind and understanding as I am struggling.

Yesterday on 01/08/24 I spoke to a specialist in billing department name Beverly. She was so polite, efficient and knowledgeable person. I spoke to so many agents before. Nobody couldn't help me but she listened to me properly and answered my each and every question. She is an asset to your company. Beverly, you are SPECTACULAR!!!!

Absolutely terrible and has us in a very bad spot costing us and the dealer a lot of time and a ton of money. They call us about the loan and ask "Do you have the car, are you happy with the condition, what color is it, how much money did you put down?" then they go on to tell us our payment amount and how many years and that our 1st payment was due February 11th, and then asked us to set up autopay. They then thanked us for choosing Westlake and ended the call. So car gets shipped from Mass. to Va and we put $1300 down.

Westlake Fin decided not to service my loan after they approved it and I was driving car for almost 2 months. Car was 16k and put down 3k. They did what is called a buyback to the dealer I bought from. Customer service was extremely rude. Now I am trying to get refin and 3k back from dealer.

I called to have my payment deferred for the month of November to the back of the total amount. West Lake “stated” that it was granted. I was told by one of their representatives to call back around December 5th to have this done. Upon looking at my finances I noticed that I wouldn’t be able to pay the month of December. I called again a few days prior to bill being due and was granted another deferment. I received an email today telling my bill is due. When I opened the app, I found that my bill was 789.50 which tells me both November and December’s bill is due. Simply put, they lied. I called and tried to tell them I was told both payments would be deferred and was even read a script, that birthing would be due until January. They will not honor that they said even after listening to the recording that stated I wouldn’t have to pay anything until January 15th. Do not say you will do something if you won’t follow thru in doing it.

Westlake bought my auto loan from US Auto Sales of Georgia when they went under earlier this year. Car total loss and Westlake is giving incorrect information to me on who is responsible for submitting the GAP waiver claim. But they were happy to take the check from Geico. Absolutely unacceptable.