All you have to do is provide insurance and registration in the beginning and continue through the duration of the loan. Pay your payment every month on time, you will never have an issue! If all of the above has and is being done, then no problems, ever! I don't even know who works in the office, because I do what's expected of me, after getting a loan on something I needed from Lobel. If you don't pay your bill, of course you're going to get calls, that's your fault, not theirs! I'm just fine with Lobel. I have to come back and write this upon reading the reviews. Tiffany O, below. In the state of California, used cars are sold as is, unless the dealership offers you a warranty, that you have to pay for, in your case as is. Meaning, you still have to pay for your payment even if the car breaks down, once you sign the papers and drive it off the lot its your responsibility. Your car getting repoed is your fault and your fault only, you just admitted to withholding a payment. If your toilet wasnt working in your apt, house etc... Would you withhold rent? No! I hope not! When you owe money to a finance company, or any business for that matter, there is absolutely no leeway on payments. You pay the payment on or before the day it is due. ONE late payment is reason to repoe or stop services and such on anything! By now, that car has been cleaned, flipped and back on the lot for sale. After already getting what the car is worth in down payments, from ignorant people who impulse buy, and go way beyond their means. As far as the interest, you agreed upon that and signed all the paper work. You didnt have to except that offer. But, you at 20 wanted to look cool in your BMW and didn't care. Why would you get a BMW? You obviously are clueless. Those cars are EXPENSIVE to fix, as you well now know Do your due diligence, and know how business works. Learn the laws of the land before making an asinine review of a company, that gave you an opportunity with no established credit at such a young age, on getting something you clearly really wanted! Remember, the car was great? UNTIL your 1st payment was due! read more

horrible.... avoid this lender, the so called supervisor Maria is foul, useless and rude. I paid my car off a year ago and refinanced it 2 years prior to that, they have the audacity to claim I owe $270 are you kidding me, absolute worst customer service trash company bs billing. This is likely the end for them :). looks like we all hate you Locrap hahaha read more

0 stars I've been dealing with their bs for almost 2 years I got behind on payments I told them I would surrender the vehicle just give me time to clean it out. The lady says sure just give us a call back when you do less than 4 days after that I'm almost done cleaning it out they come repo it with my belongings in it. I seen someone mention payments and how it doesn't goes to the principal and they're right. I gave them $4,000 within a year and my credit report is saying $323 got paid to the principal of the vehicle so that means lobel pocketed $3,677 that was supposed to go towards to vehicle and then their saying even they have the vehicle I still have to pay on something I'm not in possession of no more. read more

Predatory lender who will not close your account and wait until interest builds and garnish wages. Rinse and repeat every couple years

These people will HARASS TF out of you! I'm not late but I get calls and texts as if I'm months behind!! I hate them and cannot wait until this car is paid off!! read more

I was financed by this company. They kept charging me more and more money. So I knew I couldn't pay for the car. I volunteered to give the car back. Now I'm stuck with no car and a $7000.00 payment. If I could have paid that, I would have the car now. Plus I'm a single working mom of two kids. One has epilepsy. All I can say is don't do business with them. They truly have no hearts. It's all about the money. CROOKS!!! I understand business but this is just ridiculous. Stay away please!! read more

UPDATE: So I'm currently having my check garnished to pay off this damn company. I called the Sheriff Civil Division that's doing the garnishment to get an updated amount owed. When I thought I owed under $2k, they told me it was over $5k! I just found out that they're charging 10% interest DAILY! I've basically paid $2.7k in interest for 1.5 years!! How the hell is this legal, and how am I supposed to get this paid, without paying a lump sum. NEVER cosign on a car for family! You try to help, and you're the one who gets screwed in the end. Love having a lien on my home for this crap too.. F*CK YOU, LOBEL!! read more

Lobel go! for the simple fact that they gave me a car loan and I mean, my credit is shot to hell beyond belief. Yes the interest is like 21% but I needed a new car and I won't be caught dead walking. I make sure my payments are made a month in advance because if you are 2 days late they will repo you vehicle, sorry but I watched too many repo shows to never get myself in that kind of position. Now as for the customer service when you go in to make a payment no one really acknowledges you unless you say something, and the employees are kind of ghetto and unprofessional and the staff also seems a little sketchy. Overall they gave me a loan for the car I wanted. Thanks Lobel read more

I have an account with Lobel Financial for 9 months now and customer service continues to get worse. There is never a supervisor available to help you with issues. The Reps are rude. Very unprofessional company!!! Worst company doing business with!! read more

I wouldn't use Lobel ever again. It was my GF actually. She sold her car and wanted to pay it off to release the title. You can only pay $1000 over the phone. After that was told we could go pay the rest with a cashiers check at local branch and they'd release the tittle in 10 days. (Not to mention never had so many "dropped calls" while being placed on hold. Basically just get hung up on) So we got everything and drove there. Now they're saying 21 business days before the release it. Almost a full calendar month. Just getting the run around it seems. If they ever come up as financial anything I'm for sure not using them. read more

This place is so bad. I'm on my last payment for this month and for some reason I can't get into my online account. I called for help and the staff started to ask for my SSN to get into my account and I refused because I didn't even fill in my SSN when registering with them online! This place is seems super shady. read more

So I came in had no credit or anything and they were able to finance me if they didn't probably would not have not got a car yes interest is high, but rather have a car than not to have a car. I've had no issues with Lobel made my payments every month on time. So happy to say if it wasn't for them I wouldn't have a car right now. read more

Absolutely the worst bank EVER to do business with. Originally started off with this bank to finance my car, and now a year later that I want to refinance with another bank, they will NOT give me the necessary documents to do so. 10+ calls and nothing. read more

I will never use Lobel Finical to get a car more or less anything else. I got married and immediately notified Lobel of the name change. had to fax the marriage certificate to Lobel no once but 3 different times then ended up mailing the certificate in january 2019 In February of 2020 I paid the car off in person lol my husband gave them a check for 2400.00 they made my husband write a check for 1 penny mind you no cash took 3 weeks to get the Title ( maiden ). Problem is they never notified DMV of the name change So now I have to go through the DMV.. Tiffany in the legal Dept said they do not notify DMV of the name changes.. The DMV says they are required to seeing at the time they OWNED the Car.. Lobel says no so again this company sucks read more

My bf's car was stolen from these people and asking $1200 to get it back! Even tho he had been paying on time! They are scam and horrible people! Do not go near this place read more

Minus 5 stars is what this unprofessional place gets from me and my daughter. They charge 10$ for each payment made over the phone, and no option to pay online. The customer service is mostly bad, but now and then you'll get a friendly person. On multiple occasions we tried to set up the account for both of us to be able to call in payments, but it was difficult and they always said they didnt have the info, eventhough we know for sure we faxed the info they needed. Everything with them is tedious, time consuming and completely frustrating. You will find yourself explaining things over and over to each new operator. Also, eventhough my daughter didn't keep up on her car payments, she called to tell them she was having a hard time making payments because she had to try to get the car fixed or save to buy another one because it broke down and was going to cost her 3k to get it fixed. Of course they didn't care, and she continued to not be able to make payments and eventually they repossessed the car. This is understandable, but the overall theme here is that, all along, the experience has been unprofessional, unkind and they are thief's (taking 10$ for each payment!) and very poor listening skills and communication. So, we thought we would get a bill for the balance of the car, but eventually they tried to file court papers for payment! Really, who does that? She only owed about 4k in the first place. Don't most car places write off repossessed cars anyhow? This place is not recommended by me and many others. The owners are probably greedy, selfish and of course we know unprofessional. If you look at their website, they don't even mention anything about Covid-19 and what their response is to it and how they are helping their customers or employees. That's because they really suck! I hope they go under soon. I will light a candle and pray on it. Te he! read more

I'm trying to make a payment and was told they don't want my money, that they want my car. I've had problems from beginning with Lobel and still having problems. Don't recommend to no one... read more

Have paid in full to my Land Rover Jan 2018 . Lobel financial said they will send confirmation letter within 1 week . I am still awaiting.

These people are crooks financed a car total loan 7000. Paid 350 for 16 months totaling 5600 bucks wife had to quit her job because she was diagnosed with MS and I got laid off got 45 days behind. Talk with lobel they don't care want their money. I have financed other cars and never had an issue bumping a payment to the end of the loan but these guys took our car after they said we had 45 more days before they would and also found out the 5600 we sent them only knocked the loan down from 7k to 5300 how does 5600 given to them only pay for 1700 towards the principal of the loan? DO NOT DO BUSINESS WITH THESE PEOPLE. They have been sued by the California attorney general and multiple class action suits for fraudulent collection and loans practices. If I had known before I would've stopped my wife. Don't make the same mistake. read more

I spoke with Nancy today in customer service with Lobel Financial. This is one of the rudest, unprofessional, unepathtic, bully, non listening, non customer service ever hired for customer service! I was late making a payment due to being on disability. Disability gets paid twice a month. I told her a week prior I can not make payment until the 14th. She ask was it possible to use post dated check. I told her no it was not possible. She calls today and said I was going to make payment before 14th. Was very rude and would not listen, threaten me that she did'nt no what would happened now. Wake up call Nancy! If you would check your notes on the computer, it would show that I had been in the hospital due to a medical, and been dealing with this for the last six months and still recovering. Not that I should have to explain. But I had my toes amputated due to infection, plus ulcers in esaufucus due to stress. The last thing I needed today was getting upset, I hope you feel good and enjoy the rest of your day. Do you know Jesus? I pray for you to get a job in a field that you would enjoy. Just make sure sure you're not dealing with people. May God bless you. read more

If I can give this place zero stars, I would! We bought a Mercedes sl500 from Lugos Auto Group back in July, everything just turned out to be hell from that. Not because of the car but because of how unorganized and unprofessional this company is. Ever since we bought the car in July, they've been sending us mail saying we don't have insurance for it and they're charging $69! When I clearly have another mail from them saying they've recieved our declaration page of proof of our insurance and each time I call, they're representatives are so unprofessional. They're just a company trying to make money every possible way, unprofessional and disgusting. read more

I started a loan with Lobel for a 06 BMW 750i, dealership had to reverse the sale because the car wouldn't pass smog. Lobel gave ME a late charge on that account. I never even took possession of the car!!! I made payments while the dealership tried to fix the car!!! Never made a late payment. The dealership took too long to refund lobel the money after they determined they couldn't fix it, after they were informed that the sale was illegal due to california law requiring smog of any sold vehicle and that the dealership needed to void the loan. The dealership had to find me a replacement car. They found me a 06 BMW 335i in perfect condition. Lobel then started a new loan and kept all the payments on the car I never received and wouldn't transfer the payments over. I then made all of my payments on my new car on time and then paid the car off completely, I now own my vehicle outright and am free of Lobel Financial. After paying off the car they started their BS stating they couldnt do the title transfer because they didnt have my address. They had no problem sending my monthly statements to me at my address but when I was done with them they all of a sudden didnt know the address to complete the title transfer. I then had to send a demand letter to force them to release the title. I now have my title and am free of this horrible company. The interest rate and forced insurance the make you pay through them is just insane. STAY AWAY FROM THEM. I never had any repossession issues as I paid always on time. I waited until I had my title to write this review so they didn't drag their feet any further with finishing my title. read more

Worst company ever!!!! No integrity. Horrible communication. They add fees and "adjustments" without prior notice. Very unprofessional. Extremely shady. Stay far away from these scammers!!!! read more

If I could give this place no stars I would. What company does not accept credit card payments or debit card payments in the office. No where on their stupid website does it say they don't offer this. Than they want to charge you $8 to use the stupid payment over the phone. This place is a dam joke. They suck and can't wait to not have them, plus you can't even make a payment on their dumb website. Worst company around do not recommend them at all. read more

Libel financial is the worst ,the repo my daughter car for being 20 days late ,the payment was 320 ,now they want a1000 ,to get her car back ,that wrong, read more

Worst bank ever I made a payment the day before I wemt in the hospital to have my baby and told them I would make anoyher payment on the 9th of the following month they approved it and then on the 8th they repo my car and want over 1000 to get it back even though they have it in writing they said I could pay on the 9th bs ass place.... read more

worlds shittiest place ever but that is what u get when u have fucked up credit I get that the high interest part that's whatever but the people are rude as fuck barely speak English and I paid my car off in full within 7 months they promised my pink slip 21 days after payoff it has been 8 motherfuckin weeks I still dont have my pink slip but they sure crashed my motherfuckin check for full amount of car that means these cocksuckers own my car and my cash look out lobel I'm about to sue ur fuckin asses idk how u can get away with this I'm gonna make sure u dont read more

I come here every month with my money order to pay for my car. Yes the company does have a high interest rate, but I had no credit at all & they were the only ones that approved me. The staffs are nice & they will try to get you in n out because we all have places to be! read more

So far my experience with Lobel has been great. I honestly am not sure how I would have got into my car without them. Yes interest is high but that is what I have to deal with for not having great credit. The one downfall so far is not having the option for free website payments. Having to call and pay 10.00 is not convenient and yes I know I can walk in for free but that is not convenient for me either. read more

I have my car loan through them and they have been pleasant to work with. I have never been late on a payment and every time I've gone in to make my payment they have been courteous and very nice to me. Their setup is a little bootleg but overall their office and staff is professional. read more

This company is terrible and have representatives who really need training. I do NOT recommend them to anyone. You can't pay your vehicle online or even with a debit card or checking account. You have to mail in the payment or use Western Union or Moneygram and that cost you extra money to make your payment through them. Just a inconvenient and low budget company. read more

They are a bunch of scammers!! Do not go through them. They refuse to tell you your balance and also when i was in an accident they tried to keep my insurance money saying i still owed them over 5k when i only owed less then 1k! DO NOT GO THROUGH THIS COMPANY! read more

Staff here is awesome, they've always been helpful and amazing, never has there been a time where the staff and Dawn Marie the manager have not went out of there way to help me. This is the awesome branch and would recommend any one to them. Best Service, Best Branch, Best Financial Institution! read more

I bought a 2004 bmw 545i from pedys auto 18months ago, from day one the car had been giving me trouble, the recommended mechanic from the dealer never was able to help and was sketchy from the 1st meeting... the car ended up costing me several thousands dollars in repairs and now the last straw of 8K bill for repairs I cannot afford that... the main reason I traded my lexus in for this bmw was to have a nicer reliable car... the car pedy sold me was nothing but trouble... even the warranty that was sold with the car was never active so all the repairs i had to pay out of my own pocket... pedy wont step up to the plate and help with any of the cost.. the car is a lemon and i have to surrender it to the bank because I do not see a reason to pay 8K for repairs on something that is not worth it.... I expect pedys auto to take full responsibility because they never activated the warranty nor did they ever step up to help. Lobel Financial was great the 1st day when i was getting the loan and as the months went on they didnt want to hear anything just wanted my payments.... even when i paid more to apply towards my principle they didnt acknowledge it. ZERO STARS read more

i hate this company with the freaking passion! i honestly wish it will bankrupt! the customer service sucks, they are completely unorganized. they make u jump through hoops. they deal with shady car lots and do not care if the car you bought is a lemon. all they want is your money. my 2005 cadi sts broke down 3 months after we bought it. transmission problems. we put the car in non opt. they still wanted us to have liability on the broke ass car. and charged a extra 69 dollars a month because we didn't. never ever ever again will i deal with dumb ass company! i give this -5 stars read more

I called just to asked about my loan and they had me waiting for pass a hr they would answer the phone and put me back on hold. They aren't professional I'm never working with them ever again. read more

I would not ever deal with this company again. I bought a car worth $5000. I gave a $2000 down payment and some how it came out to $8000+. I called and tried to get explanations as to why it was so high and the customer service rep was laughing and annoyed as to why i was asking, Final opinion, i would never ever recommend them to any one. read more

Worse customer service experience ever. Staff act rude and disrespectful. What legitimate company does not take payments via debit or credit card ? or offer payment options online ? The people at Howe avenue are too busy making collections calls to do answer any questions instead they tell you to call 714-995-3333. The operation appears to be a big scam. read more

Worst auto finance company ever. Charges extra fees and makes the customer feel threatened and like a criminal. If you are 1 day late the company calls every number on your contact list and then some asking people that are not on the contract to make a payment. Horrible business practice all the way around. Stay away from this company, nothing but bad news read more

This company is a joke. They tell you one thing and do another. I will never be a customer with them again. Please don't be a customer with them. read more