I've worked with CFS for a year now. After experiencing tough times and getting out of some poor financial situations, CFS gave me the opportunity to get back on my feet by financing my first car loan. When other institutions wouldn't look at me, CFS even offered me a competitive and reasonable rate. In addition to this, they make paying my bills super easy. I can pay cash at convenience stores, through their easy online portal, check, or however is easy for me no matter what financial situation I'm experiencing at the time. Most importantly, it's been incredibly easy and even quite fun to work with the team at CFS. I never feel like a number in a long list of clients. I can reach my account manager easily and she is always super kind and friendly and helpful. Annette, you rock and have made this process so smooth and pleasant for me! Irma has made the front end office communications super enjoyable as well. Victor is a star...the entire team are just the best! And, at the end of the day, I've learned some new values and skills in my financial planning and relationship with money. The result is that I get to drive a great car, have the confidence that I can afford and pay the loan each month, and am building back my credit one payment at a time. CFS, through your work I get to live my best life...I hope lots of others get to experience working with you in the future! read more

I have have been working with challenge financial for a few years. I have had the best experience working with a rep. named Jenny. Jenny has been so professional and understanding and has made every conversation pleasant. Unfortunately today I received a disgusting text message from a rep. Named Brenda ext. 129. Brenda messaged me regarding payment which is on day 4. I have informed challenge that my pay day is the 22nd and they have accommodated my payment to reflect the 22nd. I'm not sure if brenda is unable to read properly but by her verbage on her message it does tell me she has no professional skills or education and should not be working in an office environment what so ever. Brenda told me I need to learn how to pay my bills on time and continues to message me saying she pays her bills with a laughing emoji. I advised her that she is harassing me and extremely unprofessional and can not spell for shit. She replied I pay my bills. Even after I informed the trash employee that I was making a Complaint she continued to message me and harass me. It's very alarming to know this so who your finance company hires and maybe they felt sorry for her and hired her out of pity but this type of behavior shoups not be allowed. I think she is trying to get fired to collect ebt. read more

I have to leave Challenge Financial but I leave as a very satisfied customer. I have now paid off my car and I am very proud of myself. I believe that a customer should not only give back the negative but also give back the positive. I can say I am truly grateful that Jeni C. is an amazing employee of Challenge Financial anytime on any day that I needed her help she was there. I never heard a NO from Jeni she always helped me with any questions I needed answered to scheduling my payments. I felt very comfortable to reach out to her in any of my situations in regards to my account. she always asked me how was I doing and how has my day been going so far as well i asked her the same and she always found a way to work with me. I want to say that sometimes employees don't want to take that extra step to satisfy there customers and keep them coming back but I would come back to Challenge Financial. Always remember the way you treat someone is the way you want to be treated. Thank you Jeni C. for treating me with respect and with excellent customer service its a challenge every day and I am one satisfied customer. Thank you Jeni C. and keep up the excellent work and the awesome customer service you provided to me till the last day. Sincerely, Sonia Jones read more

I hate collectors. I feel as though they don't understand people's struggles and lose their human side when on the phone with you. I absolutely can't stand talking to someone who belittles and threatens. To be honest with you, most of the time I forget to go to the bank or I forget to call in and make my payment. With that being said i constantly get calls from Javier in Collections. Believe it or not, we became pretty cool over the phone in the past 2 years. He never belittles me, never gives me a hard time, and makes it easy for me to speak with him and let him know what's going on. He sends me reminders and like this month for example I explained how I'm struggling and he helped me get a deferment. I think if it wasn't for Javier Padilla I'd never open up to a collector and probably already lose my car by now.. he saves me the hassle! A bill collector with excellent customer service! He's an asset to Challenge Financial! I even told Javier my work schedule and he will will work with me and call me later in the evening! Today he called me late as he was working late and handled the payment for me! Absolutely love working with him (yes .. I actually said I love working with a bill collector lol) read more

Let's start off by having you take a look at the screenshots below to get a better understanding at what this review entails. These are real stories of individuals who have been mistreated by managers, and representatives from challenge financial services. I have a few of my own, but the one that sticks out the most is the fact that the corona virus is a global pandemic, and many restaurants, bars, and places of work have shit down due to this fact. Many of us are out of work, and have yet to receive any sort of financial compensation in this time of crisis. People like mIn times like this it's nice to have companies understand, and work with us. This place however instead chooses to mock, mistreat, and dehumanize individuals who are simply trying to come up with a solution. Please rethink your decision if you've come here to decide if this is the company you would like to finance a vehicle from, and these are the people you would like to deal with for the next couple of years. Challenge Financial you have A LOT of making up to do. read more

I'm not sure why the company as a whole gets 2 stars right now. They not only gave me a chance when I needed to trade in an Audi and get a truck, they CONTINUE giving me chances when I am behind. My credit score got really low after my husband died suddenly. Not many places care to hear your "sob story" but they have been more than understanding. Then I was laid off for over a year and fell behind on my payments in months 11 and 12 and they have given me additional flexibility! The best part was when Jessica replaced Monica. She is a "tell it like it is" person yet she does so in a way that is not offensive at all. Jessica takes the extra step to follow up when I'm too ashamed to call back. Right now Jessica is trying to get my payments lowered to help even more. Things are possible and she's giving me hope. The APR is something of a challenge to me, but again, it's giving me a chance to rebuild and have a vehicle to get to work and start over. Thank you for all your hard work, Jessica! read more

This company could seriously be the worst ever! I was literally two days late on my car payment after having it for over a year... I got the harassing call at my office to either come down to the office and make the payment or they would repo it. I stopped what was doing came down with the cash and while I was in the office they repoed my car.It gets worse... Whoever repoed it stole my Ping golf clubs and Gucci sunglasses.. and the topper was they got a ticket on the toll road that I ended up having to pay for... So you think it cant get worse? Oh no it does.. They sued my for a $1500.00 deficiency balance and got a judgement. I didn't pay it I was so angry. So after 10 years what did they do? The renewed the judgement and just came knocking and garnished my wages for $5800 judgement. I settled with them for 3K 11 years after they took my car in their parking lot. They are worse than the mob stay away from them at all costs!! This was a painful and costly lesson... They suck! read more

I picked a crappy old truck from a crappy dealer with crappy credit and rate, financed through Challenge, so why 5 stars? I traded the crappy truck in 14 months after purchase. The local dealership I traded it to, Ford, failed to send in the 10-day payoff to Challenge within 10 days. Still, Challenge honored the original payoff amount. Ford finally sent the late payoff check, but it was short. Over 15 calls between Challenge, me, and Ford. Challenge gave them 37 days (and counting); the same payoff was offered without additional interest and fees. Betsey also ensured that the partial payment from Ford was applied so I wouldn't show late on my credit due to Ford's repeated errors. I never write reviews, and I hope I'm never in a position to need Challenge Financial again, but the company showed up when they absolutely had every right to say it's not their problem. I'll forever recommend them. read more

I have had my loan for a couple of years now sometimes emergencies happen. I call them to make an arrangement and we get threatening text message like we are criminals by MARIO!!!! He is SO RUDE and knows nothing about customer service I wish I had it in FULL to just pay it off and NEVER use this company EVER again. The rest of the staff has ALWAYS been friendly. He is a true A HOLE. I never complain I have worked in retail and I currently work for Pediatric Office I would NEVER treat my patient's parents the way he treats me! I never want to call in and deal with him about my personal business ever AGAIN! I have saved all his disgusting text messages to me as well he needs to go to a customer service class or get a JOB he actually enjoys being at!!!! I hope you read this complaint MARIO!!!!!!! Maybe your manager will actually talk to you about this matter your so UNPROFESSIONAL!!!! read more

This financial service has poor customer service, due to the way I was treated on the phone. All I have been trying to do is get help with getting an extension on my loan; the man on the phone, the manager I might add, was a complete dick to me about it. I have no money coming in whatsoever, this Covid-19 pandemic has caused my work to close and I am getting no money from them. Rent is high and I can't afford to pay it in time either. I am left with nothing in return and no hospitality during this needed time in my life, I only need a little bit of time to make this right, but these people do not care at all. They'd rather fight and talk over their own customer than try and understand why they're going through this horrible time. I do not condone the actions of this business and do not promote their business in any way shape or form. Please find another service to take a loan out. read more

From day one challenge financial services has been nothing but understanding and helpful in the beginning I didn't have the full down payment but they hecka worked with me and I was able to walk or say drive my 2014 car off the lot that day I mean I have them something but they worked with me with the rest. Then I've been having problems with having a payment late and she gave me enough time to pay. This is one of the best companies that I have bought a car through and my car still going strong. I recommend this company 100%. Nothing but good things for me and I came off the lot with a really nice car not no bucket and I don't have the best credit but I have been working for a while but telling you it's tax season go to them. You won't be disappointed and they have great quality cars and wonderful workers read more

My Repersenitive Oscar J ext 167 is the Best!!! HE is always always the most polite Respectful,Curtious,Helpful,Emphithedtic,Honest Proffessonial, I cant even put a title on him Friend I want to say Acct Manager? Has always been the exact same. Never once has he not been helpful not only in my bussiness with co but also acted as an amazing confidant friend when having to listen to my personal issues lol No Judgment Just all positive input. I have never had a company really care the way this one does!!! When you call your call is always answered today i had the pleasure of speaking with Jaclyn very happy upbeat professional and most of all helpful young women!! My whole experiance with this co is all positive and I have been financing with them Only them for Years now 3 cars later I only deal with them. read more

I honestly never write reviews, but this is definitely one that's long overdue. This is my first dealing with Challenge Financial, and through my experience with them.. I'll never want to go through anyone else. During the pandemic and even now, I have fallen on some rough times that made it hard to stay on top of payments. They never judged or hassled me about this, they were very understanding and ready to do everything they could to keep me in good standing so that I could keep my vehicle. Favi, is my absolute favorite! She has outstanding customer service, and I could go on and on raving about her. She the sweetest literally, and will always do what she can to help! I strongly recommend Challenge Financial when looking for a vehicle loan. Continue to do amazing work guys! Tepora Tatupu read more

I've had my loan with Challenge Financial for a few years. In those years I've dealt with Gabby and Angel and Angel's Boss. And after reading the reviews on this page about them..I could not disagree more. Angel has been my rep. and I could not have asked for a better one. He works with me and has helped me with my account. If you honest and up-front and have valid reasons as to why you can't make a payment they WILL work with you. But if you lie and just don't make a payment then you will have issues. I'm 1 payment away from paying off my loan. Thanks to the advise/help I have received from Angel and his co-workers at Challenge. If your honest and need a loan I would recommend this finance company. And if you get Angel as your rep. well then your in GREAT hands. read more

First I would to say, I had a bad experience with one of their workers there BUT when I called back and spoke to Javier, I was dealing with the best customer service man that understood where I was coming from and welling and did work with me on my late payment. So Now Javier is the ONLY one I will talk to, make my payment with or if I have and questions about my loan will run too. He listens and he helps me out. Thank you Javier for your excellent customer service and treating me with the most up lifting respect and hearing me out. Also thank you for also seeing me as a person that yes I do run into a time of hardship and understand that Im human and not just another contract. So thank you for all your hard work and dedication and going above your mission. read more

I have really terrible credit and Challenge Financial gave me an opportunity by approving my loan with them so I could get into my car. Now that I have been with them since May 2019, my account was assigned to a representative there named, Favi R. Miss Favi has been so helpful and understanding to my circumstances. I experienced a hardship last month and she was a helpful. She did not make me feel bad or try to scare me into making a payment I could not make. Instead, she helped me by explaining my option to extend my payment out and because of that, I give her 5 stars! I am so thankful that she is my account representative. I know that if I need help, she will be there and she will not make me feel bad the way other debt collectors have in the past. read more

To whom it may concern, I'm Michael Scott Clark am writing this letter to say thank you to Elia Garcia for being so respectful and understanding when it comes to a hardship during this time of need for me on my account. She has been the greatest representative I have ever dealt with, with any financial company. I have bought 5 cars and she has been the most understanding person to deal with. She works with me and gives me the respect that I deserve. I just want you guys to know how much she's appreciated. She never argues, she always helps find a solution. I would appreciate it the other Representatives learn to respect the customers as well as Elia has done. Thank you very much for your time I would like to pass it on thank you read more

agradescida por el trato y la cordialidad que tuve con la señora jaclyn la forma en que trata a sus clientes ,gracias por el trato y el entendimiento estuve muy contenta con su trató y fue muy entendida me dio mucha seguridad, y sobré todo. la forma y el respeto que tiene a sus calientes y se qué ella hace la diferencia en el trato da calidad de servicio y entiende a sus clientes se merece todas las estrellas pues es una gran persona la voy a extrañar mucho que dios me la bendiga le agradezco atentamente elizabeth hernández cabañas read more

Hello my name is Perla Castillo I have been with Challenge Finance for about 1 year now and have never had any problems with them. My Finance Representative is Oscar and I have nothing but good things to say about him. Due to the whole COVID-19 pandemic I had stopped working for a weeks and was falling behind on my payments but at challenge finance they have been so flexible and understanding with me. The are amazing with Communication and that's all they ask for from my part as well. Communication is key at challenge finance! Oscar has been an amazing representative to me, always willing to find a way to work with me and understanding my circumstances. I highly recommend them! Amazing customer service overall! read more