This is by far the worst car finance experience I've had in the last 45 years paid off my car early in January. We are now in May and I still haven't received my title of release from the department of motor vehicles due to the finance companies errors after many phone calls, even speak with the supervisor there's way too many in discrepancies of their stories. Nobody knows what they're really doing except reading off notes that make no sense and contradict themselves. Save yourself the headache and go through a reparable car finance. I paid off directly my Carmax loan on another vehicle in October and November 4. I already had my pink slip mail to my house now that's how it gets done. read more

Exeter Finance owes me over $3000 and have been withholding my funds for 4 years. When I contact them they say they owe me but refuse to issue a check that can be cashed. They were supposed to send me a check 6 months ago and it never arrived. No to mention the refund is for a service I didn't know @abetterway added to my contract. I am going to post this everyday on all my socials until i get my money. read more

Poor customer service all around from the agent to management. Very condescending and unable to help if you have any issues. Paid my payment a week in advance the website accepted my bank info that wasn't correct, processed the payment, then a week later, emailed me that my payment had been returned and I was past due.... On top of charging a late fee that they won't waive. Agents had no idea what to do or offer any kind of explanation aside from blaming me. Mind you, this was my FIRST payment to them, so there was no kind of waiver as a courtesy or anything. Despite them not thoroughly verifying and checking bank information, then if you need a manager they will put you on hold and if it goes over 2 minutes they have to hang up. Agents apparently can't transfer you to a queue they MUST be on the other line to transfer the call. "Manager's" tone was rude as if she had anything better to do than assist with the request while at work. If only I could change who I financed with because if this is the service they provide its so poor and I would hate to have to call in the future if I had any concerns. read more

Exeter is the worse financial institution in the country. if a dealership tr to offer you Exet you should get out of there immediately. They will lie jack up the rates on you and they collaborate with Keith McCoy Auto to screw you over,so people beware of these two companies read more

AWFUL DO NOT GO THROUGH THEM. Had the most difficult time when I was trying to switch banks, they were very unprofessional hung up on me multiple times or interrupted me and locked my account so now I have to call every month and fight them to pay my bill. Beyond worst customer service I have ever had to deal with, disrespectful to me as a person with HARD OF HEARING and got mad at me when I would kindly ask them to repeat. read more

Left me no choice I'm now suing this fraudulent company. I warned them they still got my credit twice after truck was totaled out. This company is all about greed. I told them. I'm suing them. I warned them previously. I have no choice. read more

Customer service is so disrespectful and lacks professionalism. I called three times to speak to a representative about them processing my refinance payoff fee that was already sent from my new lender, and every representative I spoke to was rude and seemed to have no idea about what was going on with my account. It was very aggravating because I received attitude from the reps over simple questions that I had, and they couldn't be answered. I was not aware of their mismanaged accounts, predatory rates, or their lack of professionalism. Something needs to be done, and someone needs to be held accountable for this. read more

The loan process was okay. When it came time to recive the title to the vehicle I paid off they sent it to the wrong address. They then said they emailed me a lean release form to take to the dmv, which I did not recive, and I would have to pay the dmv for the title that I had already paid for. Customer service rep was not very helpful with this situation. I asked for a supervisor and was on hold for 30 mins. In the end I hope to receive the paperwork to be able to get the title to the car. I would not use them again for a loan of any kind. This was a very unpleasant ending to somthing that should have been joyful. 8 read more

SCAMMERS!!!!!! Trying to resolve a fraudulent car loan never signed for. The company has avoided me. I have spent no less than 3 hours on the phone being "transferred" and then disconnected. Even with a police report and legal documents, JOSE, a "manager" , claims they do not have the hard copies on file even though it had already been confirmed by another rep. TERRIBLE people!!!!!! read more

After getting through covid and barely keeping one of our businesses. We needed help with our auto loan. The reps at Exeter Finance were more than happy to help, "we're here to help you". "You can move your payment to the end of the loan". "What happens if I do that?" "You can keep making payments". That is the response I got every time we needed help and I ask, what happens if I do that? They NEVER said we would only have 120 days to payoff the balance after the loan matured. I'm a disabled person who had hand controls in my vehicle and now I'm without a vehicle and not able to even borrow one because my legs don't work. Thanks a lot for misleading another person and not only that but taking away a vehicle from a disabled person. If a car dealership shows Exeter Finance as the lender. DO NOT SIGN, RUN AWAY! read more

This company is awful. The only reason I gave them 1 star is because there was no option to give them a 0. The customer service representatives don't listen and give standard answers to specific questions. I received a letter stating I had to pay off my loan in 30 days but from my calculations I still had 6 months left. In the first year of the loan, I changed jobs and the company paused my payments for 3 months and explained that I would still owe all interest and fees. I understood and agreed, I never received anything in writing until they sent me the letter saying I had 1 month to pay it off and if I continued to pay my regular payment they would be considered delinquent and reported to all 3 credit agencies, after making on time payments for 5 years. I paid the balance in full and when I asked for the clear title, I was told that I would have to wait 24 days. Please do not do business with this company. I feel like I've been punished for paying off my loan. I added the response I got from Exeter and when I called the 800 number I got a representative who had no idea of why I would be calling them. This is exactly the type of service I'm talking about. Unbelievable. Date of experience: May 29, 2025 Edit Reply from Exeter Finance Jun 3, 2025 We're sorry to hear about your experience, Lisha. This is not how we want our customers to feel about our service. Please call us back at (800) 321-9637, and let's make this right. We appreciate your feedback. read more

Just don't do it YOU will regret being financed through exceter. I've had nothing but problems dealing with my totaled car and at this point I think they are actually committing fraud still taking payments after car has been paid off. can't get an answer from customer service and it's been MONTHS!!!! I finally stopped my auto pay they can go suck a bug just stay away from this company I'm contacting my state and opening a query hopefully they find something and take this company down read more

This company denied a check in route to their offices I told them not to cash. They reassured me that they were not going to cash the check and ended up doing the complete opposite. I ended up owing another company money for a car I didn't have and refused to refund the check or funds to the lender. They are thieves! DO NOT USE THIS COMPANY !!!! Go somewhere else!! read more

This company is nothing but crooks with the way the so things. My July 2025 payment is due the 14th and they reported my payment late and repossessed my car while at work leaving me stranded at 12 midnight. I paid 900$ to get my car released and they are refusing AFTER they told me they would once the 900 was paid. My payments are only 322$ so I'm stuck with hidden fees and impounded fees already. Customer Service is also crap. I've called 3 times since 9am to get my car release paperwork and get the run around. I'm so done with this company. I can't even refinance anywhere because this company lies and tacks ok thousands of hidden fees to make it impossible. I've been stuck with this company for over 5 years and haven't hardly made a dent. My car was only 14k and I still some how owe almost 8k. I've either paid early or more then my payment amount. Do NOT use this company.. RUN fast and far away from Exeter Finance. read more

Biggest rip off finance company ever in this world. Subprime Loans. They have extra fees up the butt. They call 100 times a day. They have so many repos it's not even funny. Worst mistake I ever made. But I got to see the side of how these car finance companies take advantage of people. Yes you paid the car price in 2yrs.....but you still owe them $24,000 more over the car price. You have my car now and you can shove it ! Please if they're going to finance a car do not let them get you financing through this company. FYI.....they will not let you refi your loan. read more

Exeter Finance - Financial Advising Near Me - Irving, Texas

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I rate them 0. They charged me 30 percent interest, and I paid 34,000 for a 20,000 dollar car. If your credit score is low please don't deal with this company. They will rob you with interest and late charges through the sky with no care that life happens. Sometimes people need a little help, but this company will not only kick you when you're down, but will literally stomp you bleeding you for whatever they can get out of you. If any dealership mentions Exeter finance, burn rubber getting out of there. Don't make my mistake and get burned for 5 years. Please listen to me. read more

I wish I could give 0 stars. This financing company is a joke. Useless. Avoid at all cost. my dad passed away and I took over the payments and paid it right off, they are going to send the title to the address my dad is no longer at, and won't give me any information on when they will be sending it out so I can go to that address and check so no one steals the title. They had no problem accepting my payments . read more

I started my voluntary repossession on July 1, 2024. It is now August 6, 2024. They are saying that the managers have to approved k the voluntary repossession. Everything I have read on voluntary repossession says nothing about having it approved by manangers. I finally told them I'm charging them 250 a day for storage. This is the worst company to deal with. The vehicle had problems from day 1. A 2017 Dodge Durango. Still owing 31,000 on it after 2 years of paying 789.14 every month. read more

If I can give a zero star I would and in all platforms I'll be doing my due diligence. Customers of exeter finance, calls will always continue, set a ptp (promise to pay) and they will stop...if you are 30+ dpd you only get a week. No you will not be repoed unless you're 80+ dpd so try not to be. No there is no help to get you back on track, your bill, your responsibility. Just because another co. Helped you before or they have helped doesn't mean they will help again. They're not obligated to. And plus, you know you have this bill due. It's out of kindness that financial institutions help, not because they have to, but because they have been kind enough to offer. You know when your pmnt is due, so pay it or don't get upset about the late fees YOU accrue. Simple as that, pay your bills. Yes life happens, but it happens for everyone and stop making it an excuse around the same time of the year... that's redundant, and we all know you're a professional debtor. But that's what you should know about e.f., pay your dang bills and stop putting complaints on ppl who don't have control over YOUR money, both ef and you should get your shit together. Ef on talking and motivating their employees and yall customers, just seriously..yall adults...stop blaming everything and everyone bout you not being able to pay your dang bill. Shaddup read more

If I could give zero stars I would. Most shady Finance company EVER. My insurance payed them out and they are claiming they never received payment and still saying I need to pay when 1 my car is gone and 2 we have proof when and where the check was deposited. SCAMER read more

Stay away from this company let's do the math here I purchased a 2014 Jeep I had a previous vehicle with a little left on it so it rolled over total loan payment was 25K monthly car payment $740 a month. I had already made $9500 in payments but yet non of that went to the principal they said it was all in interest so I had the car repoed since i was drown in debt with this company they said they would sell it in auction and I would be responsible for the remainder I was like okay that's fine . I had a past due balance of $6500 somehow and that's the amount they sold the car for they called today saying okay so the remaining balance owed is $23,496????? The math isnt mathing here. Your telling me the $16K that was paid into this vehicle still only moved the car by only 2K someone make sense of this. I'm beyond furious and this is for a car that was a piece of crap. read more

Save your money and pay cash for a car! This company is nothing more than a legal loan shark.Most loans are simple interest but they charge you daily...What should've took you five years will take you 6 because of their ridiculous high interest rates Exeter finance corporation basically does business in a predatory lending fashion and will make your life hell when they don't get there way At the end of our 6 year loan my husband and I had fell on hard times.After missing 4 payments which included a 3,100 pay off on the account,our vehicle was repossessed and charged off!These idiots have no heart and could care less.Please be careful about the amounts you are being charged because they were sued by two attorney generals for giving people payments that created economical hardships.They ultimately settled in the law suit for 6 million dollars and are looking to recoup that revenue.I have contacted the bbb and an attorney in my state to make sure I wasn't a victim of that as well.Im sure I was though because my payments were ballooned to 489.00 for 6 years.Buyer beware.Just because you get approved doesn't mean it's good for you.These type of loan sharks prey on the uneducated and unaware. read more

These people charge way to much interest. I paid off a $17,000 SUV that is only worth like $7,000 on Kelly Bluebook site. They take advantage of people with credit issues. read more

This company Sucks. They are screwing me and my family by putting on our credit reports that we have a recent repo on our credit report which is keeping us from get a rent house and the owner of the house we are in now the owner has decided to sell the house so we have to get out quick basically have a week to move out and we can't get approved thru anyone due to Exeter putting this auto repossession on our credit as of April 30th 2022 this has happened over a year ago on April 30 2021 and most rental applications look at recent repos and won't approve you if you have a repo within 12 months. So Thanks to Exeter me and my family our gonna be homeless in a week or so. Hope y'all can sleep at night. So Definitely stay away from this Company. This crap should be illegal to lie about dates on your credit report. read more

This company is a joke. Totally regret having them as my finance company, they give you a run around for months with so much b******t its not even funny. You try to complain, they completely ignore you. If you are looking into this finance company, CHECK THE REVIEWS ON BETTER BUSINESS BEREAU. There are over 200 plus reviews on them scamming people, taking money out of their customers account with NO authorization, wiping payments out of the systems so they have to pay again, among number other horror stories. Please read this and heed the warning. This company is a pathetic scam. I wish I could give this 0 starts. Or negative starts. read more

They allowed me to purchase a Mercedes that I have already paid for and still have 2 more years to go. Do what you got do because I did but it cost me everyday. Overall it is not worth it. read more

If i could give zero stars i would they are nothing g but lieing loan shsrks, i send a check for almost $14,000 on 8/4/20 it took them 2weeks to post my check they finally post my check on 8/19/20 and now I can't get the title or the lein letter to take to the bmv i will never ever get a loan with this company when i check the bbb they have 346 complaints and the bbb has revoked there certificate this is a terrible company to do business with i hope they go out of business they don't have anyone there that speak English i ask for a supervisor and when they tell me they will have a supervisor call me vack because they don't have a supervisor read more

Company is a joke called and paid my account off early gave them my correct address as i had moved. Got paid in full contract today at my new address which i have been at for 3 years. They sent my title to my old address and now they are sending me a lein release form that i have to take my time to goto Dmv and give them this info to get a copy of my title. Will never give them any of my business where they cant even do the simplest task and putting correct address on document. Dont waste your time with these people. read more

I recently moved from California to Alabama. To register my car in Alabama I needed a copy of my title. The first request I sent was to fax it to the Alabama license commission. I was told that it would take 48 to 72 hours. At the end of 72 hours it hadn't arrived. I called again. They declined to send it because of incomplete information. This time they said that they would fix it. I requested this time they email to the license commission. They did. It was encrypted and couldn't be accessed by the license commission. Third time I requested they send it to my personal email. They ensured that I would receive it within 48 hours. Once again they declined it because of "incomplete information ". What should have been a straightforward task has been turned into a Clusterf**k. read more

I haven't had a problem with them yet, but then again I've only been a customer for four months. We shall see. exeter Is currently being bought out by Warburg Pincus. The deal isn't complete. Maybe some folks on here should contact these powers that be and let them know your issues. Here ya go: Exeter Finance John Hoffmann 469-754-4443 John.Hoffmann@ExeterFinance.com Warburg Pincus Sarah McGrath Bloom, Warburg Pincus 212-878-6378 sarah.bloom@warburgpincus.com read more

This company will intentionally take your payments that you...( 3 years prior ) pushed to the back of the loan, move them all to current, take your car and say you owe it all at once. This is so they can get a lump sum of money even though after 3 years all other payments have been on time and you've been in perfect contact with them. They will intentionally not log calls for their conscience and their reps are the rudest ever. Try to avoid car loans from them. read more

At least repo my vehicle you understand emotional choices I'm glad there's finance lender companies like you that really know I need a automobilevehiclecar the 4 wheels that transports on wheel4and22wheels with a addition plus between22. read more

They don't need no stars. They kept my first check from insurance that I didn't sign in October 2020. Now March 2021 my car was totaled out they get a check from my insurance said I owe 1800 my gap insurance sends them a check for almost $700 and Sterling sends them a check for over $1800 and they still saying I owe $1600. How does that work. They screw me I wouldn't recommend them to no no one. I wish I would of look up their reviews first. They dont deserve the one star. read more

Absolutely a SCAM. We made a payment to our son's account with a credit card (They did not inform us they didn't take 'credit' cards, only debit, so we got charged with an interest payment ACCRUED DAILY and a bank advance fee. There was NOTHING in our conversation with the agent 'taking our money' about them only taking debit cards. We have on voice recording what we authorized to charge and that was a one time payment, NOT another charge to our credit card account. Come on people, we need to shut these guys down unless they practice legally, NOT FRAUDULENTLY, we have contacted our Attorney! I don't care what the amount is! read more

Exeter towed a vehicle I was driving and I left $40 in the vehicle! The tow truck trucker stole the $40 and Exeter calls tells me they can open up an investigation nothing will be done unless I have proof and then they off $100 off my interest fees!! Idiots and I'm so glad Im done with them!! read more

Having a bad experience with this company. Sold my car over a month ago and they have failed to send me my check that they cashed over two weeks ago. read more

Wow this company is a mess I purchased a car back in 2016 and if you try to make your payment late in the day there systems will not let you in... you are then force to call them and that is a joke in its self.. No one speaks English so understanding the person on the other end of the phone is impossible but if you don't agree with them then they won't accept your payment...and that's another story.. But then the drill starts you must give all of your information again to verify to them it's you, even after you had at the beginning of the conversation.... Really can't wait to be done with this company because they do not treat there customers like decent human beings... So beware!!! It's not a good company you want to do business with! Just Sharing! read more

Truly unprofessional organization. I don't even have an account with this organization, nor will I ever. I work in a hospital and have been receiving a call from this organization for a couple months. At first, a person would talk to me and whoever they were looking for did not work with me. I asked them to remove the hospitals number for their contact list. Apparently that didn't work. I then started receiving calls and the caller would hang up once I identified myself. I would think twice before I obtain services from this organization. I spoke with a "supervisor" and again asked for the hospital number to be removed from the call list. We'll see..... read more

I wish I could give a lower review. In my opinion this company is not reliable and should not be trusted with your money. Refinance as soon as possible or return the vehicle immediately and seek other financing. My opinion is based on this. My husband & I financed his car back in the beginning of '18. We got a hold of Exeter because it was the 2nd week of March '18 and no welcome letter, we spoke with a nice rep that was able to verify us and I started up our online profile so we could make our payments via the website. During that call I asked the rep if I sent more than payment amount if it would go towards the next payment or directly to the principal. The rep said it would go towards the principal. I asked again differently to make sure that it went to principal and not towards the next month's payment. Again she said that it goes to the principal. The payment amounts are $XXX.XX Fast forward. We have made over-payments for 2/3 of our payments. My husband noticed in our past statements that the min payment for some were very low and then shot back up again. Online the only payment amount given was the $XXX.XX. So today (07/30/2019) I called and asked if I asked why the payments were varied and if the over-payment was going to the principal or the next payment. The lady told me that it was going toward the next "principal payment". So I had her clarify and she said that all over-payments go toward the next payment. I told her about the conversation that I had with the other rep back when we first got the loan. She then stated that the policy had recently changed. I asked when because we were never notified of the change. She said that it was recent so the rep probably did not know of the change. I kept pressing for a date because transparency in finance is very important and that all policy changes need to be relayed to the customers. She said it was an internal memo and there was no way that she could give me a copy. (BTW she put me on hold several times). I told her there had to be something that was sent out, I wanted a copy to see when it was changed. Of course if it was changed recently that affects our payments prior to the change. Plus is it the customer right to know of any changes that can affect their account. After several holds she came back with that the policy changed in January 2018 and that the rep must not have been made aware of the change (in Feb). I asked yet again for some sort of documentation showing exactly when the change was to be put in effect. She refused to supply with anything, at first saying that the document only exist as an internal memo. She then tried to confuse me with saying that my over-payments WERE going to the principal, the "principal payment." There is no such this as a "principal payment". I had to break it down to her at least 3 times that there is a big difference between principal payments (a payment that goes directly to the principal amount usually added to the minimum payment in varying ways) and a minimum payment that goes against the principal after satisfying the interest. Also why principal payments are NOT the same thing, because of the daily interest that occurs and it is all a financial thing that takes a bit to explain if you do not have an education in finance. She finally came back after the last hold after I demanded some sort of letter that should have been sent out to the existing customers about over-payment policy changes and was told that I would need to submit IN WRITING a letter asking for when the policy changed. She could not provide me with any sort of letter. I then asked for the mailing address and she said that she could transfer me to make the request. I repeated what she said about it having to be in writing. She finally gave me the fax number and was about to give me the email address when I asked for the physical address to submit my request. I told her that I really didn't need to have an email address because most business do not accept electronic transmissions as written requests, except for faxing. I have both the fax and address now, however I do not think that they will send me any honest communication. For the record the first time we talked with them was in March 2018, so if it truly was changed in January 2018 then the following is true: 1. The change was not recent being that it is July 2019. 2. Their customer service reps are not properly trained to give customer proper information about their policies. 3. Because their representatives ARE representing the company and we take them on their word the policies they repeat to us are accurate to the current policy then their communications are verbal contracts in which the company has given them apparent authority to enact such. 4. Any changes to policy must be given in writing, in advance, to the customer within a reasonable time frame or else they are liable. BTW, yes, I did record the entire call. read more

This business is unprofessional and hard to get answers from. I wanted a pay off letter. Why do I have to wait 21 days when they took 20,000 dollars in one day and cleared. This is the worst financial institution ever. Don't get caught up with their bs. read more