I wish there was a rating for zero stars. They have been nothing but a nightmare from the start my loan was switched to them, and they never even contacted us once. We had been overpaying on our loan the whole time. We have never missed a payment once and due to the overwhelmingly disregard for their customers we decided to just pay off our car early. They were beyond rude all of them it took me and my fiance to drive (We live 2 and a half hours away) to their office to tell them their legal obligations to me. They continued to say that they didn't have to show me my loan or account information which legally they can't do but apparently this company has no problems doing things that are illegal. SO I would recommend you stay away from them at all costs. Thinking my ordeal was over with them since I paid off my loan, I just recently got my credit report and they state that I was late for every single payment that I made which couldn't be true seeing as how I only had them fro one month and then paid off my loan. They also state that I owe them 4k. Which clearly I do not since I paid off my loan. I am currently disputing this companies fraudulent reporting. If you are a business looking to switch your loans here don't if you are a person looking for a loan do not do it. After you pay off your car they will make sure it ruins your credit. WORST COMPANY EVER!!!! ZERO STARS!!!! They should not be in business anymore. read more

If I could give this company 0 starts I would, it's a horrible, horrible, horrible Place. There's this prick Art that works their, he has no problem being a complete prick. Someone crashed into my car and I filled an insurance clam, signed an sent the check to this finance company, worst decision I ever made. The accident was five months ago but sense then my husband had a hart attack, had open hart surgery and has been off work since, his income was are primary. I make just enough to cover bills and gas that's it, my deductible is $1000 an then I'd have to rent a car for 3 weeks the repair place said it take about that long to fix it . The damage is all cosmetic and the car is very drivable, but I want to get my car fixed, the lone company said tuff shit we are applying the money from your insurance to the principal. I tried working something out with them, i worked out a deal with the repair place that if the lone company would give them the money for at least the parts they would fix the car an would let me make payment, or if they could give me 3 more months i could get it done, They still refused!! Really it's not that they refused to work with me but they were absolutely rude an condescending. I really have never in my life been treated with so much disrespect from Some place that I am doing business with. Do not do business with this company....... read more

If I could give them no stars I would,This company requires your insurance company to submit proof every year!!I First off they are the lein holder on my insurance,If my insurance wasn't paid they would be notified immediately,I guess they don't know that!So they threaten to take out insurance on your vehicle and charge you when you have full coverage on it.I am going to let them do that since theirs is cheaper than mine and then my agent doesn't have to resend them the same paperwork every year!!In all the years of having a car financed this has to be the utmost worst company I have ever encountered,I should look into this with a lawyer,They may be doing stuff illegal to try and get more money out of people.I would never finance through them again!! read more

We have been with challenge financial for a little over a year now. There has been some rough patches here and there, Javier has always been there to help us out. Always a phone call a way if we need a couple more days or if pay down is around the corner. I like that Challenge is a little more personal than a big corporate read more

Great service every time, Javier Padilla is always very helpful and understanding and is always so happy. When I call in for my monthly payment. Thanks Javier for the great service you provide. I appreciate it. We need more kind people like you in this world. read more

I have my car loan with them and the only reason I am giving Challenge Financial a five star is because I only deal with Marisol Rodriguez she is respectful and professional and knows how to do her job as the others do not!! I only deal with Marisol Rodriguez so if you need professional and knowledgeable service deal with Marisol Rodriguez not the other rude and unprofessional staff! read more

I didn't have any issue with this company till I sent in a check, like I always had and they claim that I had to make it out a different way. Mind you I have been writing checks the same way for over 20 years. And if I didn't over night it or pay over the phone and pay the additional fee to do so, my payment that they got over a week ago would be late. REALLY..... My most recent bad experience was last month. I sent them a money order and it has yet to be found by the staff. Its funny how all my payments are sent in the envelopes they provide and all the checks are received but the money orders have issues. This will make the second time a money order is claimed to not have been received by this company. I think they have some shady people collecting payments. Though the first money order I couldn't find the receipt and I lost out it wont be the same for this $1000 money order I have filed a complaint and I cant wait for Western Union to bust the person. read more

They are an excellent company. Javier Padilla has gone above and beyond. For me he is an excellent representative of the company and all their core values. From communication/responsibility/integrity. I would highly recommend this company and the employees that represent it. read more

Challenge financial is a amazing company they financed 2 cars for me they have so much to offer Liz has always gone the distance to help me and let me know of all the grate thing this company has to offer and has helped me so much even with my car insurance... this is not a money hungry company but a company that's always there to help serve its customers Thanks U SO MUCH read more

I would like to give a shout-out to Norma thank you so much for taking care of me in my time of need I appreciate you

Yes I got my truck finance from them and they are on point straight out and forward Great service as well

This is the worst company ever. I payed off my car Loan IN PERSON in April, I'm still waiting for my Pink slip. Today I get a call asking if I have a copy of my receipt, as they didn't make a copy and they need it as proof I paid my loan. WTF? When I couldn't immediately find my receipt, partially due to the fact that I was in disbelief and a little upset at getting this call I told her I'd call back. On calling back the rep that answered the phone was full of uh um uh. I'll call you back. I'm still waiting. If I could give negative stars I would. read more

If I could give this company a 0 I would. Diane should not have a job she is the most unprofessional person I've ever encountered. I called to pay my car note that was late and she asked me why was I so angry was it because I'm late. First off all how unprofessional is that. No I'm angry because I keep trying to make the payment ans she keeps asking why are you late. So instead of taking the payment she wants to go back and forth with me. I request the supervisors and she sends me to Art who was worst then her. He kept saying when my payment is due and then kept saying so your saying your going to pay your car note when you want to. I never said that obviously if it wasn't paid on that date it wasnt able to be. he got me so angry my husband had to take the phone. I am currently looking to refinance so I don't have to deal with these people. read more

Liz, Liz is the greatest person we have ever worked with! My daughter fell behind on her car payments due to family illness, they bent over backwards to help us get caught up and get her back on track. We truly appreciate her help and company. read more

I have been a client for 4 years and through that time they have really made me feel appreciated. Javier has been flexible with me and allowing me to successfully make my payments, even if I was a few days behind or if I had to wait until payday. I would definitely recommend this finance company. Thanks again Challenge Financial! read more

I give a 5 start to Liz! she is the sweetest and honest person I have ever talk to. We dont know eachother at all but when I talk to her it feels like I known her for years, shes very helpful and understandable she will work with me to make sure I can make my payments on time, thank you for being a great bill collector there's no one like you! read more

Liz from challenge financial is awesome. She always helps me out and works with me when I'm in a tough situation financially. Highly recommend this company to all. Really feel like the customer is first with them. Keep up the good work Liz read more

This financial institute is a good one for those of us with really bad credit score... Thwy really help you out... Jenn specific is very nice and always tries her best to help you out. Thanks. Keep up the good work. 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

javier Padilla at challenge is the best. Always very helpful and on top of things and very understanding. I appreciate you guys thank you!

I can't recommend the customer service that I get from challenge financial enough. Favy from the orange office is always super helpful and always assists me on time and quick and easy. Seriously a refreshing sense of business coming from the financial world. 10/10 highly recommend . read more

Chalange Financial In My Opinion is great Company they have gone out of there way to help me and have been extremely helpful from the associates to remind you of your payment witch is great for someone like me I work diffrent times of day most of the time I tend to lose track of days and if I recive my checks a few days after the payment date they always were so polite and easily granted me an extension date without question, I could understand how some people might be bothered by reminders of payment but for me I've fallen behind on payments in the past and I'm working on rebuilding my credit and getting ahead. This is the only Company that took a chance to finance me a great Vehicle Do for that I am greatful. To Fred I belive hes a Manager I appreciate all the Help Update: My Car was Totaled by Drunk Driver as my car was parked outside swirved and rear ended my GMC SUV destroying the entire rear axle and rendering it useless. It took a few weeks but every step of the way they were extremely helpfull they helped with all the Insurance issues and GAP and basiclly paid entire loan amout so I did not owe on the Vehicle anymore. I am Waiting to gather a good down payment to get the Suv my Family needs. I am looking Forward to having them Finance my next Vehicle purchase I will Update with Names of Individuals that have helped me along the way I feel they deserve a shout out for how much they have helped me. read more

My representative Favy was extremely helpful. She was polite and addressed my issue I had with my account. Really professional and I appreciate her good customer service. read more

Favy from the Orange office is always super helpful and quick to help find a resolution definitely makes me feel more comfortable knowing I have someone on my side read more

I have been waiting months for this glorious moment to finally write a review. But, I wanted to make sure my refund check cleared before posting... Have you ever felt like you were in a horror movie? Well, this place is a horror movie nightmare. It's like Michael Myers creeping up on you. I had financial crisis and could no longer pay my loan. I wanted to see if they could work with me on paying a smaller portion or negotiate a % off my loan if I paid it that moment. Welp, I got a big fat no from a customer service rep named Jorge Gutierrez. Which by the way, he should be awarded the noble prize of "Most Rude" Customer Rep. I was explaining my situation and he interrupted me to say: " What do you want, a reward for your all your on time payments; as an adult It's your responsibility so be responsible." Baffled by his words, I asked to speak to a manager. I got Enrique, who nicely laid out some options for me. Enrique also suggested that I should remove myself from their automatic pay and to email Jorge Gutierrez for that request. And so I did, but I never got an email back stating that this was done. So, I emailed Jorge again, but never heard back. The day my bill was due, I called and spoke with Stephanie Ixta who was very nice to me over the phone. I told her I wanted to pay off my loan and to confirm if I was removed from their automatic pay system. I paid off my loan and she confirmed with me I was removed from their auto pay. I kid you not guys, the next day they took out $125.00 from my bank account. I called them and asked what happened and Stephanie said "I don't know, let me find out." So basically, it turns out that Jorge Gutierrez never did his job but there was proof of my emails to him requesting to be removed. Was Jorge on medical leave? Were Jorge's fingers too busy that he could not press a button or two and get this done? Whatever it was, it cost me $125. Stephanie did say they would refund $125 in full. Few weeks passed and I still didn't have my refund. I called again, and nicely Stephanie said I had to wait till DMV processed my documents to get my refund. Ummm no, I wanted my money since it was their mistake, not mine. Why should I wait for their mistake!? Stephanie then said it would be about week to arrive by mail. That week or so turned out to be months. And when I got my refund it wasn't even for the full amount. I simply laughed. This place is a big fat joke! The owner of this company must be sitting on a high throne counting his pennies like Scrooge McDuck in his fancy golden money vault. Get out, and get out fast! Or even better, let your account go to collections, they will work with you waaay better than this company will. Oh, and don't try stopping by their headquarters, they don't accept payments, everything here is done electronically, which makes me think if this is even a legit company. xo - Cookie read more

I have been with this company for almost a year & Jessica has been the best help I could get. I appreciate all her hard work. Even through these hard times she manages to help me in any way possible. She is so kind & understanding, I don't think I can thank her enough for all the help she has given me. If I could give more than 5 stars I would! read more

Eric helped me out with getting me another SUV when my first one totaled out! He was super helpful. Great commutation! and things I didn't understand, he had no problem explaining it to me. He was super patient and will work with you. I can most defiantly say, He helped out me and my family and took a lot of stress off of me. read more

I finally have my car paid off because of the help of Favi at the Orange office! She has been most helpful and patient with me over the years! Much thanks! read more

I just want to say that I am very happy with Favi from the Orange office for all her help. She has great customer service and she had helped me along the way when I needed an extra day to make my payments. I would definitely recommend her to help you with your financial services. Thank you again! read more

I just had a very rude phone call from a Liz at challenge financial I called to ask if I can get another extension due to me not being able to work because of this pandemic and says I have to pay the minimum $265 and that they can't help, I just said I'm not working and there's a world pandemic and this bitch says I'm being rude. People should try to be more understanding of the situaution. Piece of shit! read more

Really deserve NOTHING !!!! By far the worst company ever!!! Rip off!!! Very Rude and personally I will never finance with them again! One my car has been totaled a couple of months after I received a letter that they enforced insurance on my vehicle that already had full coverage. After calling the company to notify them I had insurance I was told that they already enforced insurance on the vehicle but not liability and it was nonrefundable. After they already charged me $1200 for their insurance I decided to keep their insurance and change my insurance to just liability now that my car is totaled I'm being told that I cannot be informed any information because it's not my insurance and that pretty much they will send me a bill when the claim is complete. Irritated I started calling asking questions #1 they never sent no one out to evaluate the car #2 the day before the accident I just picked up my VW from VW dealer after a $3000 bill that will not be included in the appraisal because their insurance doesn't apply it. #3 Everytime I call about the claim the representatives have no clue #4 my car has been totaled since Nov 2020 and the finance company isn't worried about receiving the payment from the claim because I will be charged interest no matter what. #5 I purchased GAP insurance that their telling me I will receive no information on because they file the claim on my behalf #6 I've been harassed about a payment that's 10 days late but yet the insurance still haven't picked up the car that I'm forced to pay interest on even if it's not in my possession #7 whenever I pay my car note Oscar still calls and harass me about a payment and I literally have to tell him I've paid it and then he would look in the computer and say "oh you did" no apology or anything #8 they won't let you enroll in autopay until you've been with them for a year #9 no extensions even during the pandemic Scam!!!Scam!!!Scam!!! I currently pay on a totaled car that I financed through capital one balanace was $24000 insurance left me with a $7,453 bill that STOPPED accumulation gas insurance the date of loss I was offered a settlement for $1500 that I pay bi weekly On the other hand The insurance Challenge has just picked up the vehicle 6/8/2021 after them rescheduling for over a week now.i get a call from Oscar about a payment and I tell him the car is totaled and he's my Rep and had no clue then asked me to make a payment and that's when I found out that no matter if the car has been picked up the interest is still being applied, when they receive the settlement check interest will still be applied and even if there's a balance I will not be offered a settlement and the interest will still continue to build. If you ask me this is a rip off!!! And after saying that to a manager he hung up in my face. My VW started off with issues first week car broke down in the middle of the street gas line rail and diesel issue dealership sends it to VW they keep it for a week later I get the car back then it breaks down while driving same issue Gas line rail diesel problem at this point I'm ready to return the car and was told I couldn't letter I find out the car fax was a fake and the finance company ran my credit 32 times after I had already bought the car. So if you ask me it's a SCAM!!!! read more

I've been with this company for three years now. I have never missed a payment and Ive never been late making them. My rep is Oscar he sometimes calls for no reason and bugs me while I am at work, he doesn't have the best customer service all the time and seems like he hates his life/job. I sold my car to Carmax and bought a new 2022 but with a BETTER financing company. Unexpectedly I received a call from Oscar today regarding an unpaid payment. I called Carmax and was told it takes 15 days for the check to go through( it's already been 8) so when I called Oscar back, I asked to speak with his supervisor hoping to get a more professional attitude. Boy was I wrong. I was greeted by a manager named Jaclyn who was very aggressive right off the bat it seems Oscar already spoke with her and I believe this clouded her attitude towards my situation. I began to explain to her what carmax had told me, she laughed about it and said there's no way it takes 15 for a check to be processed. Basically I asked if there's anything they can do to help because they will be receiving there payment by the 5th from carmax. She rudely said she's not going to do anything for me and in fact she is going to report "my late payment" immediately the next day on the first?! So my payment is due on the 31st and she's going to report me the 1st even thought the payment will be received by the 5th??!! Horrible service from both of these reps will never finance here again and will never recommend this company. read more

Good customer service is hard to find now a days. But if you're with Challenge a great representative would be Oscar ext 167. He helped me at a difficult moment and it's truly appreciated! Thank you for your great customer service! read more

My account representative is Oscar ex 137 For the past couple of months, Oscar has been very helpful and understanding and always try's a find a way to help us during these COVID times, thank you Oscar for a great customer service ! read more

I would like to thank Javier for always working with me to assure my account is in standing. The service I recieve is always professional and polite. If you are reading this and you need a vehicle give Challenge Financial a chance, you won't be disappointed. Thank you challenge financial for helping me get my car so I can go to work and provide for my family. And thank you for always helping me out! read more

I admittedly have to say I went into this auto finance deal a bit skeptical due to bad experiences in the past, but my Customer Service Rep Javier has been great and totally changed my skepticism and my perception of auto finance companies. He's been attentive to my questions and worked with me from the inception of the loan and I couldn't be happier. Javier has made this process seamless and it feels like I have a personal banker at my finger tips when it comes to getting my loan serviced. Thanks Javier for all the hard work and and thanks Challenge Financial for the opportunity to get into a great vehicle!! read more

I am an Insurance Agent who was calling to obtain lien holder information. I also happen to be my clients relative. I am an intellegent person and in the above 40 category. I believe I can safely say, I have never experienced someone as rude or disrespectful a person as the woman I just spoke to before hearing a request. I did get the information I needed originally, however, when transferred to customer service to explain that my client is not getting cooperation from the "lot" she purchased from to get her documentation and if she could have her paperwork emailed to HER, not me, the woman was rude and insinuated that if I knew privacy law then I wouldn't be asking anything and that I am unprofessional. I stated that I was aware of privacy law prior to asking. I was not asking for any information about the loan. I TRIED to tell her no one is cooperating from the lot or Challenge Financial in getting her documentation. At this time, She has no proof of ownership and has yet to get her contract. She was spoken to badly from the sales person and now cannot seem to get copies of transfer of title, contract, receipt of down payment, DMV registration payment receipt, etc. It seems as though as soon as I said the lot was uncooperative, the attitude came on. I was so taken aback by her over talking me and presenting herself as smarter or better than me, I barely could get that request out. She hadn't even checked the notes to see if I was authorized to speak to her. The only thing I was asking is IF I could request info be sent to her. I cannot give lower than 1 star, but that would be my option. Since this is probably a finance company that deals with high risk clients, those clients may just accept mistreatment because they do not have many options. No matter the reason, treating people with such degradation is unprofessional, unkind, and above all, humiliating. Shame on your Office Manager or Owner for allowing this behavior. Especially when tensions are high in this world right now. It does not take more energy to say after hearing out the request, "I understand your need Ms. Person, however our Privacy Guidelines prohibit me from going forward with your request. Please have the client call to request that or notate you are authorized to call on the client's behalf relating to this topic". HMMMMM, simple isn't it? read more

These people just called my workplace FOR MY COWORKER and when I couldn't get them on the phone, the man yelled at me and said I was ridiculous. He also asked for my last name and threatened to get me fired for being rude when I told him my colleague was unavailable. If someone is unavailable, they are unavailable. At no time was I "hiding" my coworker, they simply were not in the office. As an uninvolved third party, he had no right to yell at me, threaten me and bully me over the phone. read more

I called Challenge Financial Services to get a copy of a document I needed right away to be able to receive money from the car insurance. They directed me to Yesenia Ramires who works there. She was sincerely caring and sweet, she listened to me, kindly explained what I needed to do, and helped me to get what I needed immediately! (Which normally takes a couple weeks) She even wrote down my name and phone and kept it on her desk for when she received my mailed info that she needed, so she could take care of it right away. Which she did. Yesenia took care of everything and mailed me back the document I needed in an hour! She even called me to tell me she had just mailed me my document and to let me know I should receive it the next day, and I did! She also explained to me what I should do once I got the papers, to expedite things for me even after things were out of her hands! Yesenia Ramires was wonderful, she cared more than even family! And we never even saw each other! read more

I would not do business with this company if I had other options. The guy that works there making calls is extremely rude and curt. He leaves threating messages and threats. I will not reccomend this company . The guy is actually the owner of the company ! Wow read more