I had a truly wonderful experience with this business as a customer. It was a joy working with them every time I was in communication and they made it easy and friendly. We hit a small bump in the road finalizing my loan but their top brass helped me fix it in the kindest and most effective way...I couldn't believe they were so accessible and quick to help me out! Irma, my loan manager, still remains my best bud and I wish everyone could get the chance to work with her... paying off a car note never felt so rewarding and FUN! read more

To even give this company one star is a disgrace. This company is horrible them added 11,000 to my loan as well as one month i was late and talking them their rude they threaten you with no promises talk over you and don't let you speak they are so unprofessional and should be reported!!! PLEASE BEWARE OF THIS COMPANY!!!! Do your research before you go with them wish I would have done the same. read more

Don't get a loan from them!!!!!! They're just sell you bad cars I paid 25 k for a Nissan only owed 5 k they didn't even sell it to auction and sued me I needed a new car to drive for work because that one broke down so much!! They're just hope to sue not even talk about a new payment option after they sell in auction... read more

Catalina at extension 121 was the most rudest customer service representative I have ever spoken to. She was condescending and had no professionalism when speaking to me. My son has a loan with them and I was making a payment on the phone to get him caught up as he lost his job a few months ago. She was not willing to work with him and refused to discuss any information with me although she had my son's approval to discuss his loan. Catalina mentioned that her boss's name was Art and that she would have him call me back but hung up without taking my information down. I will file a complaint against this financial institution as they would not work with my son and she threaten my son telling him that his car would be impounded today by 6pm if a payment wasn't collected today. BBB will definitely be contacted about the unprofessionalism that Catalina had towards this situation. For now, I will wait for Art to return my call before BBB is notified about my experience. read more

I have been working with Challenge Finance for about a year now. I've had the good fortune to be assigned to their representative Julie who has been amazing to work with. Knowledgeable and friendly, she's been responsive when I've had questions, and offered alternatives when I thought I was stuck. This is truly a great company that got me into a truck when I needed it most. They have many options for payment methods and locations and have been really flexible all around. My sincere thanks to Julie and the staff at Challenge, you've been a true pleasure to work with and I would highly recommend Challenge to anyone looking for an auto financing company. read more

My best advice ...stay away from this financial company!! just 1 day late missing payment and they call-sent people to your address to check, if you call them to ask why the sent people to your house they rude-really bad costumer services over the phone!!please find other financial company. read more

Let me start off by saying I have had issues with more than just one person at this business if that's what you wanna call it. I was making my payments on time and ran into some financial issues and wasn't able to keep up. I spoke with them weekly letting them know why my payments were late or when they can expect them. Roxy was rude taking it personal and constantly asking me to call her when it's hard to understand someone on phone with a thick accent talking over you. I had an incident with the car and called them the same day to give them the information and I spoke with Mario who proceeded to talk over me and have an attitude. I don't know why they take their job so serious and choose to attack people when they call in if they are behind on payments. Do not use these people. They will harass you and claim you never communicate with them. read more

Challenge Financial Services - Email - Auto Loan Providers Near Me - Chula Vista, California

See all

If I could give zero stars I definitely would, but unfortunately I am forced to give at least 1 star. Vicky, was very rude and needs to be retrained in her customer service skills. I told her I lost my job and need a payment plan because unlike her I'm not rich and I have indeed fell on hard times. Her response to me was, "how do you pay your rent, how do you pay your bills, how are you feeding yourself and your kids?" And I immediately asked to speak to her manager, who was not much more helpful than her. Her manager; who name starts with a C or K, was rude and started insulting me as well. Saying, Christmas is in a few days are you not going to get any money or gift cards? I am a grown woman, who does not get gifts especially because I have kids, so I rather my kids get the gifts instead of me from my family. I would never recommend this place. read more

The lady at the front desk or whoever you call to talk to the business, but ANNETTE that works there is super foul and will talk to you like your a child . I've never talked to anyone that lied about information and told you it's kinda not illegal to hold a businesses number over property. This business is just rude and it's really just the women they have speaking for the company that are rude it'll be a better process if they weren't there . read more

I'm in Aww right now!! I contacted Challenge Financial today with questions regarding my account. I got someone & then we got disconnected somehow. I called back very frustrated & having to answer the same questions to confirm my account just angered me, but then regardless of my frustration the agent remained calm, friendly& his tone was very nice. I immediately switched up my attitude. He answered every question & concern I had& even gave me information on how to make my payments less stressful every month! After speaking with him I felt like I won the lottery I felt so good& a financial weight was literally lifted!! So if you need a friendly & professional agent with Challenge Financial please ask for CARLOS!!! He's definitely that guy!!! Thank you Carlos for all your help!!! read more

To date my experience with Challenge Financial has been horrible. Despite providing all requested information never have I had a company after approval work so hard to not follow through with financing. I have worked with two representatives from the company and both go digging for information to pull the loan. My suggestion if offered financing through Challenge is say "NO" and find a different financier! Now I find out that they are running information on my landlord. Asking him personal questions, digging into real estate records and making phone calls to others violating the personal rights of others! I will be reporting to the BBB! read more

I bought my car and financed it through challenge financial. Julia Najera was the account specialist I always dealt with. Julia was always kind and always willing to help in any way she could, Julia went above and beyond what she had to do. I would recommend challenge financial just because of Julia Najera and her customer service skills. Thanks again Julia Rick palomino jr read more

Roxy was very helpful in my situation. She took the initiative to make things better for me in a way that really meant so much to me.

I had my car loan for 4+ years with challenge financial services and my experience with them was phenomenal. They helped me through every step of the way they helped me through every bump in the road to make sure that I got through and special shout out to Julia my loan counselor who was there for me the moment she was there until the moment my last payment was processed to pay off my car loan if it wasn't for her I would have not made it through Julia thank you so much for the help bittersweet excited I no longer have a car note but I will truly miss you and your genuine help! read more

Julie has been super and helpful with me ever since the beginning of my auto loan. In times of transitions or hardships she has been there to hear me out, and help resolve any issues to help keep me afloat. I really appreciate the service and care. read more

I've purchased my car in 2016 and I've always paid on time and spoke to Julia Najera... I HIGHLY recommend challenge financial ! I was always able to contact them when needed , great customer service, they've helped me get my own car. Julia is so sweet and helpful I just wanted to say thank you for all the financial advisements through my lease. Julia you are the BEST ! read more

In my 41 years of living on this fabulous planet, "NEVER" is a word rarely used in glowing terms as it relates to a collections agent. Mark is not your normal collections agent. He is an actual human- someone distinguished from an animal or an alien. He is someone who understands people's situations, and gives people a chance to communicate and keep their word. I have NEVER met a credible, effective and understanding agent like him and he is the reason why giving him my finances will never be a "Challenge". Did you like the play on words. Mark is great! Great is Mark! These are all my words, not his. I, Adam W. Watson have chosen and declared these words with my own mind and hands!!! Mark gets answers and things done! Mark for President!!! I'm a fan and would vote for him!!! read more

Mark F. has helped me many times, I have nothing but positive reviews to give about Challenged financial and their team. They have been so nice, and answered all my questions. Julia N. was my payment rep for years and she even sent me a happy birthday email a Mother's Day email, they are not all about the money. They rock. And I wish I knew Julie personally so if I ran into her in the street, I could hug her. I would go with Challenged Financial over capital one, wells fargo or chase HSBC, or any other loan and bank I've ever had. They make a difference. This is a five star company in my book. read more

My experience with challenge Financial Services was great Victor was the one who helped me through the process of my loan! He was great and always helped me as much as he could! He's a good asset to this company ! Thanks Victor for all your help read more

I was sooo happy when Challenge Financial gave me the opportunity to finance through their company. I had no problem at all with being able to make my payments, ladies at the desk was attentive, courtesy, professional. I was always in an out. Direct agent Rayan Robbins was always available when me and my significant other needed to speak with him. During this time of covid19 the office was always clean, filled will sanitation station and social distancing was practiced. I look forward to receiveing service with purchasing another vehicle through Challenge Financial. Thank So Much Challenge Financial!!!! read more

My agent Julia, is awesome!! she gives great customer service, and is there to listen to concerns that as a customer at times have. Awesome Agent she is the best read more

I wish all Financial Services had someone like Mark! He is attentive and respectful every time I speak with him. His customer services is remarkable. He has offered many options in resolving my phone call. Great job Mark and keep the positive attitude in all your calls. Thank you read more

My experience with challenge financial has been an awesome experience costumer rep Brian Robbins is the best always to the point and very helpful and understanding during this hard times. I really dont write much but Brian has been so professional and helpful that i had to post. read more

My challenge financial assiciate Bryan has ALWAYS been extremely helpful and understanding, has helped me with payment plans more times than i can count, truly an outstanding associate challenge should be proud to have on their team. I would use challenge in the future based on the customer service and individualized attention i have received. Thank you Bryan!!!! read more

Just wanna say! That I'm absolutely happy and beyond satisfied. With the service and help agent Mark, has provide for me. In Challenge Financial Service. I would highly recommend it. If you ever consider financing a car. Great rates absolutely amazing service, Thank you for your help Mark! read more

My agent Mark, is awesome!! He gives great customer service, and is there to listen to concerns that as a customer at times have. Awesome Agent read more

Mark is our associate and he has been so professional and courteous working with us. Highly recommend their service if you need a car loan!

I had the best experience ever i am a returning customer with challenge financial and the way they helped me and my girlfriend out was fantastic. We went in not knowing what the outcome was going to be but it turned out to be a good one.! They do meet you more than half way to help you out with getting a car and theres no hidden charges very self explanatory and then they still explain it into further details! Thank you very much sandra and irma.! Much appreciated good people very helpful and they go the long run to help you find the right car! I do recommend them for sure. read more

Please beware of this company. I'm to the point I'm going to let them come get the car. Please please do not finance with this company. Everyone from the customer service reps to the managers are rude and lack empathy. They lie and say they didn't receive paperwork when it shows received in my email. Hidden fees they can't explain. I can't believe this company is still in business. They definitely feel some type away about me because I have left several reviews and contacted the better business bureau. read more

Amazing customer service and very easy to work with Challenge Financial Services. I had the opportunity to have Brian as my Customer Service Representative and he always gave top notch attention to my account. If I could give 10 stars I definitely would. read more

This is amazing service and people who really cares and work with you no matter what. I love having them as my auto loaner. I'm very blessed for them to give me a chance to build my credit. If you are looking for anything like this, go ahead and call them. They will help you with your needs and services :-) thank you mark!!!! read more

I have had a loan through challenge financial for 2 years and Mark has been my loan rep. I can not begin to express my gratitude and happiness in regards to working with him. He treats everyone like a real human. He cracks a smile and seems to enjoy his job. It's nice to experience. I truly look forward to working with him and will actually be bummed when my loan is complete. This was been a great experience and I would highly recommend them! read more

Mark has been really helpful and patient with me! He works with you, and set up your payment as long as you just communicate with him! I love how he deals with his clients in a professional manner! read more

I been with challenge Financial Services for almost two years and they have been the best, I started off with Rafael he was awesome, now Bryan took over my account and he's been the best, super helpful understanding. Thank you for your help is well appreciated .. read more

I've finished paying my loan with Challenge Financial. I highly recommend Bryan, he was great and very helpful throughout the process of my financial loan. read more

Victor was so helpful! He understood my situation and explained my options for payment! This is my second time around with them for a reason! read more

Financed a truck with them a few years ago and the truck recently just broke down. I contacted them when it broke down and they were reluctant to help out with the cost of the repairs. Mark florez was the biggest help and constantly checked up on the progress of the repairs every step of the way!! read more

This 5 stars are for MARK! Thank you very much for your help! I felt like a family member was helping me not an employee of the office! Great human being! God bless you brother! read more

My first time financing a car, I had a awesome experience with challenge financial. I had JULIE NAJERA as my representative and she is amazing she helped me so much and she is very understanding, I gladly would say I would give them my business again, I was well taken care of and felt like they care. JULIE NAJERA THANK YOU ! read more

I really liked challenge financial, the staff always made me feel welcomed especially Julie Najera always reminding me of payment which I always appreciated it, she always tried her best to help me out when I was tight with money always found a way to help me out to not be behind on my payments, I really recommend challenge financial for your car loans it's the best way to go! read more