Toyotafinancial Reviews 236

Avoid Toyota financial at all costs! A word is enough for the wise, worst customer service ever!
Tried last year for almost a year to get my direct debit changed to a single date. I mean how hard can that be, never happened. So was paying monthly, Got reminded I forgot to pay and paid immediately, still showed on my credit report even though I was told it won’t.

Worst company ever!

What an absolute nightmare trying to actually get through to anyone!! Dealerships are happy to sell you anything and their granny even when it’s not needed but borderline impossible to get a human from Toyota financial services on the telephone!

I thought the dealership was bad enough but this lot beat the poor level of service hands down!!!

Avoid Toyota at all costs. I had a full head of hair before I had the misfortune of trying to communicate with this lot AND I’m still sat on hold!!!

The worst, company. Paid the full balance in the car ,and 10 days later after two phone call with them to clear the mark on HPI for the finance, there is still said its outstanding finance on the car. The lady on the phone told me that's take up to 10 working days to remove, and is o job for 15min.
Avoid them at all cost

I am never signing a contract with them ever again. They are dishonest. Their dealers are good and knowledgable, but this is the worst company to ever finance your vehicle with. They are unprofessional over the phone, even hung up on me in my first attempt to get more information on this.

There is a $2,500 discrepancy between my current contract balance and how much the vehicle is worth, yet they also said I could still owe almost $7,000 after surrender. That makes absolutely no sense. I also made a $5,000 down payment on the vehicle and have made all of my monthly payments on time.

It feels misleading and unethical for a financial institution to quote inflated “vehicle values” that don’t reflect what they actually plan to sell the car for. Instead of providing a clear explanation or transparent numbers, I was given confusing and contradictory information.

Honesty and transparency matter. UNFORTUNATELY, I didn’t experience either here. Believe the reviews, and think twice before signing your life away.

The company sent a check to pay a reinstatement fee overnight but is advising they had not received the payment and timeframe. They are now advising of longer timeframe to process

Received my Toyota Carolla GR sport hybrid and was told by dealer previous toyota agreement was settled and received new agreement through Toyota finance and paid first installment was then told it wasn't settled by Email and letter it took ages to get through by phone and operator was ruid and uncooperative will try other finance company if possible next time love the car.

Knightmare to get hold of. Day 4 trying to get hold of someone to discuss settlement.

Tells you 5 mins wait time but still holding after 20. Sometimes they cut you off probably to make it look like they are answering more calls. Dreadful company. Steer clear!

Dreadful customer service, they simply do not respond or care about their customers

Mixed feelings on their customer service. Sometimes I'd call and be on hold for 30 minutes, just to get hung up on, sometimes I'd be through in 5 minutes. It's really hit or miss.

Once I was through to somebody, they were either really lovely & talked me through everything I needed to do, or a bit passive aggressive, and sounded like they really didn't care.

So it's totally all of the place with what kind of service you get. Rating it a 3 as the one lady I spoke to was super super helpful (even tho it was after 30ish minutes being on hold)

Toyota dealership excellent service it’s Shame Toyota financial services isn’t the same no letters when payment didn’t go through 4 months later a letter arrives you’ve missed 4 payments please bring your account up to date very very poor customer service and communication

If only I could leave minus stars. They do not deserve even the one star rating they get. Been trying to speak to someone for a month now. Phone calls get hung up. Emails not answered and the live chat is a joke and messages not responded to. Sadly, my latest agreement has only just started, otherwise I would hand the car back to them and walk away. I will not be looking to renew in 3 years.

Awful company....long wait times on the phone (If answered at all), promised emails don't arrive,

Avoid like the plague

Zero stars if i could. Toyota Financial Services are shockingly bad, a simple thing like updating bank details is an enormous task for them and takes weeks and weeks of emails back and forth. I will never lease another Toyota from them when my lease is up in 2 years.Avoid!

I attempted to pay off my auto loan early but made a mistake and didn't include payment for twelve dollars of interest that hadn't been posted to the account yet. Thinking the loan was paid I moved on with my life. Toyota only attempted to contact me via mail to the wrong address. I noticed I owed them money when I saw my credit score plunge 3 months later. I attempted to contact them by phone multiple times but was met with indifference. They said take it up with the credit bureaus.

I recently upgraded my Toyota Yaris to a C-HR at FRF Toyota Swansea.
As I didn’t have my V5C logbook at the time, I was told I had to pay a £250 deposit until I provided one. Fair enough.

After contacting the DVLA, I was told I was no longer the owner and that FRF Swansea, as the current owner, must apply for the V5C themselves. I passed this information to the dealership immediately, even attaching a DVLA letter confirming it.

Since then, I have sent multiple emails over several weeks, called the dealership, and even spoke to other staff members. My emails to Stephen (and later Rob) have gone unanswered, and my request for a refund has been completely ignored.

This lack of communication and failure to resolve a simple matter is very disappointing. I expected far better customer service from a Toyota dealership.

I have purchased 4 vehicles through Toyota, I am sad to say I had to do a voluntary repo because I can no longer work and am on Social Security, long story short I was advised a week prior if I couldn't find a buyer for the vehicle to turn it into the Dealership. I called to tell Toyota what Dealership I turned the keys in to, someone named Abigail G told me I could not do that!! I needed to go get the vehicle and figure it out!! She was just hateful, I tried to explain I spoke to the Repo Dept the Friday before. She refused to transfer me to that Dept to get the help I needed, She argued with me like I was an idiot. Mind you I am a retired Nurse and I have purchased 4 vehicles prior to this mess I am in. I reached out to the Dealership I left the vehicle at, no response. I reached out to the Dealership I bought the truck from, no response. No one wants to help when your down. I am behind 1 payment only I have tried to do my due diligence only to be treated like a nobody, of course at 69 years old you get used to being treated like that. So before you put your trust in any Company for years my advice DONT do it. They could care less about the Human factor anymore it all about money. Any advice is welcomed.

I have been a loyal Toyota Finance customer for over 6 years with a perfect payment history — not a single missed or late payment. Unfortunately, my recent experience has been deeply disappointing and financially damaging.

Due to a claim placed by Toyota Insurance (not by me), I was forced to return my vehicle. I did not initiate this claim, yet it impacted my insurance policy, and as a result, I returned the vehicle under a voluntary agreement. Despite this, Toyota Finance reported my account as delinquent to credit agencies — even after offering me a payment arrangement for the remaining balance.

This is unfair and potentially unlawful under several consumer protection standards, including:

🔹 The Consumer Credit Act 1974 (UK) / Fair Credit Reporting Act (FCRA – USA): These laws require accurate and fair reporting of consumer credit behavior. Reporting a delinquency while simultaneously offering a payment plan and knowing the customer has not defaulted in good faith may constitute unfair or inaccurate reporting.

🔹 The Principles of Treating Customers Fairly (FCA – UK): Lenders must act in the best interest of the customer and treat them with fairness, particularly those in vulnerable or unexpected situations.

As a result of this negative mark on my credit file, I have been declined finance by another vehicle dealer, even though the situation was not due to financial irresponsibility but rather an insurance-related technicality entirely out of my control. This damage is not only unjust — it is long-lasting.

I am extremely disappointed that Toyota Finance, despite my long-standing, spotless history, chose to report my account in a way that severely impacts my ability to access credit. I am now pursuing options to escalate this through:

A formal complaint to Toyota Finance

Raising a dispute with the credit reference agencies

Submitting a complaint to the Financial Ombudsman Service (UK) or the Consumer Financial Protection Bureau (USA)

Seeking legal advice for defamation of credit

Loyal customers deserve better — especially those who have upheld every part of their agreement. I urge Toyota Finance to reconsider their reporting decision and correct this unjust entry on my credit file.

Great cars but unfortunately their financial services suck! Getting to a human takes days and then they are no help. They will cash your check and then say you did not make the payment even though you have the cashed check to prove it but they do not accept that as proof.

Emails not answered
Requested settlement figure- no email received. Standard response, don’t send chaser emails or call us.
So I Called, couldn’t explain balance correctly
Requested remittance- nothing received.
Worried about paying off PCP early now.
No confidence

One of the worst customer service from this company. Finance is total rip off. People dealing with you are totally unprofessional.