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Company details

  1. Non-Bank Financial Service
  2. Car Finance and Loan Company
  3. Financial Consultant
  4. Financial Institution

Information provided by various external sources

Mepco Finance specializes in providing payment plans to customers to allow them to pay for their extended warranty and vehicle service contracts over time. We work with all of the major warranty providers across the U.S. Mepco is owned by Independent Bank ... Mepco ranks among the largest providers of payment plans to consumers in the United States. © 2007 Mepco--All rights reserved


Contact info

2.8

Average

TrustScore 3 out of 5

3 reviews

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1-star

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Rated 1 out of 5 stars

Treat them like a casino. The house always wins

If you’re looking for an extended warranty company whose main talent is Olympic-level loophole gymnastics, this is your place.
We paid into it thinking we had protection for major issues—engine, transmission, the big stuff you actually worry about. Turns out, their real specialty isn’t fixing problems… it’s finding creative ways to avoid paying for them.
Communication? Slow.
Approvals? Rare.
Excuses? Endless.
At some point it stopped feeling like customer service and started feeling like a negotiation with someone whose only goal is to say “no” in increasingly imaginative ways.
Honestly, it feels less like coverage and more like a casino—except you’re the one putting money in, and surprise… the house always wins.
I’m sure there are a few lucky people out there who got a small repair approved after paying thousands in—but if that’s the bar, congratulations, you beat the system.
For everyone else: if you want real peace of mind, this isn’t it. If you enjoy paying monthly just to argue later, then by all means… sign up

January 1, 2026
Unprompted review
Rated 1 out of 5 stars

Don't buy from them every time…

Don't buy from them every time something was wrong with my car they said it wasn't covered, and if you lose your keys they only pay for a new key in the first year you pay on your extended warranty.The only thing they paid for was half the price of an oil change.
One of my side mirrors flew off on the highway and it wasn't cover .I could go on but what's the point? It cost me a lot of money for nothing.

November 15, 2023
Unprompted review
Rated 1 out of 5 stars

I've spent the last two and a half…

I've spent the last two and a half weeks trying to get Empire to email Mepco and simple email with my service cancellation date and to issue a full refund for the 3 months I paid out due to policy cancellation and being lied to when I called in to cancel after reading the policy booklet.I've spent countless hours on the phone with Empire and Mepco supervisors and have been told that they sent over emails to Mepco and Everytime I call Mepco they tell me that Empire has not done their part in sending in sending them the email. So at this point I'm filing a report with the BBB and will continue to escalate this matter until I get this matter resolved and my refund from Mepco. If you're looking for a extended car warranty DO NOT USE EMPIRE AUTO PROTECT or MEPCO they will lie and give you the run arounds until you give up.

September 19, 2023
Unprompted review

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