Toyotafinancial Reviews 236

Terrible experience. On hold for a very long time, then passed THREE TIMES to different departments. On one transfer I got cut off so had to go through the whole process again. Was told someone would call me to collect my car the same day, had no call, so now car isnt taxed and just sat on my drive and I'm gonig to have to call again. Noone knows what they are doing here.

Hassan at customer acquisitions team is a very rude man who hanged up the phone huffing and puffing at me for no reason. Terrible communication skills and lack of empathy.

Terrible service. Takes forever to get through on the phone and they don’t respond to email messages. I had expected better from Lexus although maybe this experience is because all finance is handled through Toyota. Requested a final settlement quote which was sent though with a 4 week validity. Unfortunately they charge interest up until that date even if the loan is settled ahead of that. The agent told me it was against the law(!) to refund the interest due if settled earlier than 28 days.

on 17th May 2025, I made an online claim for some minor dents to be repaired under my insurance policy. I did not hear from Toyota Insurethat so on 30th May I telephoned them, explained the situation and was advised that my claim had been received by Toyota, everything was in order but they apologised for the delay citing that they were very busy and it would be dealt with in 1/2 days. No response by 5th June so I sent an email to their published email address. Their published email address was invalid. When I phoned them on 5th June, all I got was a thousand questions and the run around but no progress. Not good

terrible customer service, ignores emails, impossible to phone, and their chatbot provides nothing more than the website.

Tried numerous times both on 2nd and 3 rd June to make final payment on agreement.On hold each phone call(4) for at least Thirty minutes on 2nd June 3rdJune gave up after third call left on hold for fifty seven minutes . Call back would be a useful tool for these waits or more staff.Being transferred from one department to the other on hold all time between connections. Very bad customer service service.if could give minus stars would

I bought a Toyota vehicle from Bryan-College Station, TX. A week after that, I kept getting tons of junk mail and spam calls about extended warranty with my full name, address, phone number, make, model, year and specifications of the exact vehicle I bought. How would the scammers know all this if not these selfish managers sell my data?

Appalling Customer Service. Hounded by letter when my finance agreement was about to end despite having communicated with Toyota via their email system. Phoning the Customer Service number on receiving the fourth letter I received was impossible - gave up after being left on hold for twenty minutes plus on two occasions. Its clear that the departments within TFS do not communicate with each other. Thank God my agreement has ended with this amateur outfit.

I spent a day and a half trying to pay the balance of my PCP. The Toyota Finance system was unable to take my payment (despite my bank being 100% up for it) and when I tried to contact them to find out how to progress, all I got was computer-generated “we can’t help” messages. Rubbish.

Im warning you not go buy from this company they screwed on me, I was paying my monthly payments as agreed and all the sudden they said I was late and made me do 3 to 4 payments per 4 months in a row, now that my contract is to come to end, they said that i was making payments towards the principle not the payments and that that acrued me interest which are big lies, and added $779.00 just because of that, in addition to that they said that my total to pay with late fees where 1,362.36 when I check the app it says 1,335.94 they are stealing me money for the past year. I will try to get legal advise on this as they are easily stealing my money and collecting fees out of nowhere from me. do not go there their customer service is horrible!

Toyota Financial sends text messages about our account to someone else. I spent 30 minutes trying to explain, but no one has any common sense. Be sure the dealer sends all the right info because you will play hell trying to correct it. I hope rates fall and I can refi someplace else. These people are ridiculous.

When you call, you are put through to a person who turns out to not be able to help you. You have just spent time giving them all the information they need, answering their questions. They pass you onto someone else who is asking you the same questions. Now, if you answer too early out of yourself because you know what they are going to ask you, you need to call again. What a massive waste of time !

DO NOT USE THIS COMPANY!

direct debts have been rejected/cancelled on their end and for over a year i have had to log on to the website and pay manually. each time i try and set it up, they cancel it without any reason or acknowledgment.

in January, i paid my installment manually but they said a week later i owed them a further £53. i stupidly paid this but still to this day believe they were wrong, just didnt have the energy to go back and forth.

2 weeks later before my next payment was due, i receive a message saying i am over £300 in arrears. this is more than 2 months worth of payments. somehow, miraculously in the space of 2 weeks of being up to date i am now over 2 payments behind.

i have spoken to a collections advisor and asked for them to provide me proof of what i owe and from where. he said its a tricky one to do and i just need to 'trust him'.

sorry, but what idiot is going to just hand over a load of money without any valid reason or proof. they are con artists.

i have raised an official complaint last month, chased up the complaint with another email and i am still yet to hear anything. no direct debit set up and now they have shut down my online portal to not allow me to see my balance or make any payments. all of this is affecting my mental health as well as my credit score!!!!!

worst decision i ever made.

I bought off a car after the lease from Toyota approximately 3 years ago a year later I realized that I never that I never got the title from them since then I am calling them every few weeks and get different answers one is they send it already so when I told them that I never received it they told me that can't do anything about it here I am 3 years after buying off the car and still don't have the title when I ask them I would like to speak to a supervisor they tell there is no supervisor available they don't have a uper management to whom to complain shame on them never had something like that I don't know how a company with such a bad customer service still has business.

They don’t answer phone calls at all waste of time how are you ment to sell your car when they don’t let you pay off finance

I am in utter disbelief at just how terrible this service is. It is impossible to speak to anyone and I do mean impossible! My agreement is coming to an end I keep receiving letters but when I try to contact them to discuss my options, the phone is never answered. I emailed several times and eventually received an unhelpful and vague response from Iqra! I love my Toyota and was looking to upgrade but I have instead opted to leave Toyota and go elsewhere. A great product completely let down by the worst, most frustrating service I’ve ever had.

I am extremely disappointed with the service I received from Toyota Financial Services. I called to request payoff information with the intention of trading in my current Toyota for a new one, as I truly love my Toyota vehicle. Unfortunately, my experience was far from what I expected.

I spoke with a representative named Darwin (ID #IGCW), and he was not only unhelpful but downright rude. He ended the call abruptly by hanging up on me, leaving me without the information I needed. This level of customer service is completely unacceptable, especially when I’m a loyal Toyota customer hoping to continue doing business with the company.

If customer service is important to you, I would strongly urge you to reconsider before choosing Toyota Financial Services. Based on my experience, I will be looking elsewhere for my next vehicle purchase.

Disappointed and frustrated

I have leased vehicles through Toyota/Lexus Financial Services for many decades, with no issues. They even gave me lease extensions during the COVID years, when I was reluctant to go car shopping--or anywhere!
But I am writing about my current experience.

My lease is up at the end of this month. I decided to buy the car, since leasing a new vehicle (same model, different year) would have cost nearly twice what I am currently paying--BEFORE the tariffs that are making America great and certain corporations and individuals wealthier--go into effect. So I phoned Toyota Financial to get the buyout information and documents.

First of all, the company is technologically in the dark ages. Maybe even prehistoric.

Although they were able (at my insistence) to send me he paperwork I needed via email, I had to print, complete, and return the documents to them (by mail) along with a paper check for the buyout amount plus sales tax. They even sent me a form for California residents, though I live 3,000 miles from California.

They are incapable or doing electronic bank transfers, accepting credit cards, etc. Just paper checks. (Fortunately, I still have a checkbook, but the last time I used it was 2007.)

So, I did what I was supposed to do, and sent the documents and check to Toyota via Priority Mail. Tracking indicated that it was delivered on 3/26.

Eight days later, my bank records showed that the check still had not been cashed. I phoned the company, went through their annoying telephone menu, and after about 10 minutes, I got a "human" (and I use that word loosely) on the line. He was an arrogant and extremely unhelpful young man, whose only response to my inquiry about why my check had not been deposited was, "It takes 10 days for processing," and it was only day 8. I imagine that for them, processing means opening the mail, then sending an employee to the bank to make deposits, since they are incapable of conducting business electronically.

The rep could not or would not tell me how long it would take, once my documents were "processed, "for the bill of sale and title to be sent to me.

And how would it be sent? By US mail, of course, which lately, in my experience, has been taking up to a full month for cards and letters to be delivered. They would not send my documents by Priority Mail. My only alternative was to pay an exorbitant fee for FedEx overnight service.

It is now 4/5 or 11 days since Toyota received my check, and it still has not been deposited.

To compound the absurd wait, Toyota will not transfer the existing vehicle registration to me, which means that I have to go to DMV and wait for hours to register the car in my name. But wait....

They have no way to inform me when the documents I need to register the car have been "processed" and mailed. The current registration, in the name of Toyota, is due in 3 weeks. In all likelihood, I will have to pay to renew the existing Toyota registration, then go to DMV and pay AGAIN to obtain new registration in my name.

This is possibly the WORST customer service I have ever received in my life.

I asked the arrogant customer disservice representative if he enjoyed working for a company that made things as difficult as possible for their clients, and he merely repeated that "processing takes 10 days."

One more thing. I had been told a while ago that I could do the buyout through the dealership from which I had leased it. I thought that would simplify things and had intended to do that. However, when I met with someone at the dealership, I was informed that I would have to pay $900 in fees and various service charges for them to do the transaction--plus title and registration fees to the State. And they also would accept only cash or a paper check. Thanks, but no thanks.

All I can say is, that if I ever want to lease a Toyota/Lexus vehicle again, it will be through a bank, NOT Toyota Financial Disservices.

Wow, what can I say about Toyota redline finance. Had the misfortune of financing my son’s car through them. All is fine until you need to contact them.

I need a settlement figure as I want to clear the finance. I’ve emailed them and wasted hours and hours trying to get through to them. It just rings out constantly and I’m sure there’s nobody at the other end. Not sure how you settle a finance agreement with a company you cannot contact? I guess that’s the intention.

Save yourself the frustration and do not use these jokers for your car finance.

P.s I tried to register online to bypass this farce but it said I need to speak to them first - which I’m still trying to do….

I have 12 payments left on my loan, all my payments have been on time and on most occasions even early! So when my husband was diagnosed with cancer I immediately called TFS to ask for help, all I wanted to do was take my next two payments and add them to the end of my loan. I was approved for this immediately and the gentlemen I spoke with (on 2/24/25) couldn’t have been nicer or more caring. Done, I had two months where I could concentrate on paying my husbands medical bills and not have to worry about scraping together a car payment.

Fast forward to today (3/28/25) when I receive a letter in the mail saying I am behind on my car payments AND I am being charged late fees!
When I called the customer service number I was told they never received the necessary paperwork I HAD MAILED to them. What?!
Soooo….no phone call to me? They know WHY I was asking for deferred payments, they asked me why when I initially called….so why no follow up about not receiving the paperwork?! Just a you owe this amount letter in the mail??

I WILL NEVER buy a Toyota OR finance ANY vehicle through Toyota Financial Services ever again. They have lost a customer, actual, more than a few customers now that I posted my story all over social media to family and friends.

I asked for help….instead I was ignored and then demanded money from. If this effects my credit score, and I will check, they better be prepared, because I will be holding them responsible.

Beware people. Beware.