Toyota Financial Services Reviews

Terrible!! Avoid financing through them! Had a lien release request. Made 3 calls to them, and they still didn't do what they said they would do. IT'S BEEN A 60 DAY PROCESS AND STILL NOT RESOLVED!!!!

Toyota Financial Services customer service is awful. The company took an unauthorized payment out of my bank account and refuses to prove that I made the call. My bank closed my account and made me open a new one while they investigate them. All I want is the call they said I made provided to me as proof and they refuse.

Returned a lease, paid all the payments and now without any notice they sent a payment due to a collection agency. I even traded the unit in for another TFS lease. Now regretting it. Will never use TFS again.

Absolutely terrible experience with Toyota Financial Services. I was never properly informed about many of the terms and ended up dealing with extremely high interest rates. On top of that, their website constantly has login and account access issues, making it very stressful to manage payments. Customer service was unhelpful, unprofessional, and provided no real solutions. I felt ignored and taken advantage of as a customer. Overall, this experience made me feel completely scammed and very disappointed with this company.

First time dealing with this customer service agent and it was a horrible experience. The agent lacked patience, kept me on hold for an extended period of time, and ultimately hung up in my face without resolving my issue. There was no professionalism or proper communication throughout the interaction. Very disappointing experience overall.

Toyota Financial Services is refusing to refund us the GAP Money that we are due. I have contacted Toyota Financial Services on multiple occasions. I keep getting the runaround. No one wants to own up and give me my refund.

They are horrible. This have been one of the worst experiences with purchasing a car. Long wait times, they claim to be customer service but they do not help the customer. They read from a script and do not have the answers. They would not allow for me to talk with the department that I asked. I have been put on hold multiple times with long wait times. All of the team members give us different answers and nothing gets resolved.

The second star is for the CSR I spoke with, who was amazing. If this review was just for her it would be five stars. Tonight I received three (3) phone calls from +1 800-279-9032 TFS during another call. I called back when I could and had to listen to AI berate me for 5 minutes before getting a wonderful human. I gave her the confirmation number I got when I paid, 3 days late, my bad, and that was that. She followed her script, so I don't blame her, but TFS is now having CSRs ask if you want to pay ahead, since you got a tax refund. In the past, I have paid ahead because I could, and I did it all on my own. Now things are different, and I just pay what's due. Must be a change in the hierarchy. A bad one.

As of April 2026, SETF no longer accepts payment via credit cards or debit cards, to avoid payment processing fees. They now expect bank account information to be provided for all payments going forward. This is unfriendly towards their clients and frustrating.

Purchased a new 2026 Toyota Camry and financed through them and has been an absolute nightmare. I received the wrong car and now have a 29k loan through them for the incorrect car and they say it has nothing to do with them. They have not been helpful in getting this resolved.

My wife purchased a Toyota Corolla Cross. For the last 3 months, Toyota Financial Services has returned each payment sent from my bank. Then I have to login into the account, send a new payment, then go to my bank and deposit the returned check. I am almost ready to refinance with a different lender. Last month, I spent 2 hours on the phone trying to resolve this issue. At that time, I was told it would never happen again. Guess what? This month, they also returned my check. I am through playing games. My first stop is the Better Business Bureau. Now I'm on Consumer Affairs. Next I guess I go to the Attorney General of Virginia. Who knows where I'll wind up...

I am very disappointed with Toyota testing on the color of the vehicle and irresponsible for the service they are taking. My vehicle had the unusual color, which was called PEARL, this color the Toyota service warranty to have repainted with 10 year and after your own expenses. I had been using Toyota since the year of 1985 and all of the vehicles in the past there were no problems with the paint. Now I live in the state of TX, and the vehicle is always parked in the garage due to work from home. So, my painting didn't peel until 2025. Now if they are giving me the option for 10 years to repaint this vehicle and if my not peeling off until 2026. I cannot imagine consumers who live in ed if I live on the East Coast of the country.

I would give zero stars if that were an option. I bought a 2023 4Runner from a CA dealer and had the vehicle shipped to MO. I financed it through TFS. I need the CA title to register and title the car in MO. I've spoken to 4 different TFS reps and get different answers as to why I don't have the title and what steps I need to take to get it. The service is pathetic and they clearly do not know what they are doing. The first rep told me it would be mailed to me and after 10 days I called because I had not received it. Turns out the first rep was wrong but the second, third, and fourth reps also provide different answers. I tried a written request and got back a nonresponsive reply that was of no help and misidentified the vehicle I purchased. Meanwhile I only have 30 days to title the vehicle in MO before I incur a penalty and TFS is absolutely no help. The 4Runner is great but TFS is pathetic.

Toyota Financial Services sucks! They don’t know the meaning of customer service. Using a brand Toyota and making fun of everyone. They don’t care about you and your money. They got a refund from my insurance company that 01.05.2026 and even after 60 days wait I am yet to receive my refund from them. The executives who answer our call tell different stories. If you call them even after .5mts of your previous calls. Very worst.

Toyota Financial Services sucks! I requested a time sensitive document, and it's been weeks now, and I gotta pay late penalties at the DMV because them.

I have dealt with Toyota Financial Services for maybe five years now. Never missed a car payment. Never been late on a payment and the one time that I call and talk to someone over the phone. I asked if I could have my car payment taken out the Friday after which I was told, yes because it wasn’t even due yet. The next day, the money was taken out of my account which I had told them the day before not to and they said they wouldn’t which made my account have a overdraft. I called back. I was told that I had to wait 24 to 48 hours to talk to a manager or a supervisor which doesn’t make sense to me because you should always be able to talk to someone that is above the employee. I waited until the next day. No one ever called. I had to end up calling back.

I returned my vehicle due to fraudulent behavior on my contract in good standing, paid for and sent it back to Toyota Priority. I turned my vehicle in November 17, 2025. They are still reporting my vehicle as though I have it and it has been returned back to their property. I’ve talked to numerous people regarding updating since November 2025. It is now February 2026 and Toyota Priority and Toyota Financial are not working on removing the problems that they are causing on my credit and also the fraudulent behavior that they have still been showing. Also reporting my account 60 days past due as though they never received my vehicle and I have letters of them having it on the parking lot and keys in hand and still will not update saying that they have received my car back over four months ago

I bought out my lease with Toyota several weeks ago and I’ve just now had the opportunity to write this review. I should have looked up reviews before signing on the dotted line with them. DO NOT FINANCE WITH TOYOTA THEY WILL SCREW YOU OVER. I went to the south Coast Toyota Costa Mesa location and initially met with leasing manager Jason **. I was not a fan from our initial phone calls because he would dodge questions about financing and he told me that if I were to buy out my car with Toyota I would need to put a significant down payment or my monthly payment would go up significantly. I told him no problem. I plan to finance through my bank, to which he made no comment. I then asked how much I still owed on the car and was not given a straight answer.

This company is garbage! I open a case online, upload a document & get a case number. I call them to follow up and every single time nobody knows how to do anything. They can never resolve my issue & they always say I don’t know. How is it I have a case number to my open case yet they can’t find the case number? So they tell me to open another one. I ask to speak to a supervisor, wait 5 min, to be told the supervisor is in a meeting. Let’s see if someone actually calls me back, since that was the only option they gave me. Do they not have an IT department? Do they not know how to look up case numbers? Their system isn’t matching anything yet nobody wants to be held accountable for resolving issues. What is your company good for then, taking money??? Pure garbage!!!

I have had nothing but problems with them. Despite my overpaying them they insist I'm behind. Payments on the website say failed, only to say paid days later. They keep dropping my bank account information. I have never been delinquent on any loan. I am unable to reach an actual rep to speak with about this problem. The stress I have is such, I am going to get this loan refinanced.

I’ve had this Loan three years, never been late, never asked for a fee to be waived. Made the payment one day late this month, because I was sick, and they added a $110.50 fee. Waited on hold with customer service an hour to ask for the fee to be waived. The agent was only able to wave $100 worth of the fee. This company clearly does not value long-term or repeat customers.

If there should have negative stars too so some can like we can use. I called to cancel my warranties on my car. I was put hold for more than one hour that shows they don't care about customer. Then they transfer to wrong dep.

Terrible company to try and buy out a lease with. I have never had such difficulty and dishonesty with a company! Get financing elsewhere!! I received a payoff amount, which stated not once but twice the correct payoff and stated THIS INCLUDES TAXES... Loan obtained and check sent. Two weeks later I get a call stating that they had messed up and it was actually over $2,000 more. Then a week after that I received the original check in the mail and reported me for late payments. (I have not made a late payment in 3 years!) Even though I have it in writing and I included that letter, I was done messing with them and decided to bite the bullet and got the corrected payoff amount. I again get a loan (higher interest this time because of the credit hits Toyota caused me) I mail the check priority. I then call Toyota five minutes after mailing it, again confirming the amount!

This the worst company I have ever dealt with. You can never talk with a real person, everything is automated. They don't take your car payment on time and that goes on your credit. I've got to get away from this company. They are horrible

After calling TFS 4x I was able to speak to 3 different reps and all 3 confirm the same amount of the pay-off balance and it will take 2 to 5 business day to complete the transaction. I made the payoff same day the fund was withdrawn by TFS before midnight according to my bank. The following day I checked and noticed that I was charged for 2 days of interest for something that was paid in full he previous day. I called TFS and was informed that the interest for the car to be paid in full. Asked the rep if the interest for day 1 I purchase it or after the payoff I inform the rep that the funds was drawn by TFS before midnight, so it is paid in full. And told him charging 2 day of interest after it's paid in full is ridiculous. THis conversation takes 23 mins before he agreed to cancel the extra interest.

Me giving them one star is generous. Wish I could give them none. Where do I start? Customer service is a joke. I was always calling to change my payment date from the 5th to the 15th because I always pay rent on the 1st. The reps would always tell me “okay miss Patricia a change has been updated on your contract”. NEVER WAS IT MADE!!! I was always scheduling payments. It would go from “pending” to “approved” to week later saying “insufficient funds”. I started noticing the funds were never being taken out. THEN this is what I really noticed. It was when I had paid off their loan and I had the remaining balance of just the vehicle the funds were really not being taken out.

This survey is for Toyota Financial Services- .My payment suddenly changed 11 month into the contract 62.75 per month through the automated system. I called in on the 12th of December. Talked to a agent who after about 30 minutes of looking at my account transferred me to Rafael (manager) - ** who told me that they had made a mistake and that the tax added to my account would be adjusted and removed due to the contract I signed.

Toyota Financial Services didn't do everything wrong. That's why they get two stars. But they have two accounts in my name due to errors of their own making. This lead to me being stuck on the phone with customer service when I was trying to pay the first bill. None of this is the end of the world. But it was obnoxious to experience.

Round Rock Toyota Review: I’m 70, and I’m sharing this so other people — especially seniors — don’t end up in the same situation. I brought $22,000 in down payment/trade equity on a 2025 Camry with an MSRP around $28,000. But Toyota Financial Services later showed I was somehow financed at $48,000. I had another Toyota dealership look at my paperwork, and they immediately said the numbers looked “stacked.” That was the moment I realized this wasn’t just a simple misunderstanding — the structure of the deal didn’t match what I was told in the finance office. No one — especially an older buyer — should walk in with that much cash and walk out with this kind of imbalance. I’m posting this to help protect others. Please slow down, read every figure, and don’t assume the contract matches the conversation. If this helps even one person avoid what I went through, it’s worth posting.

I will forever say this: go with a credit union. Toyota Financial is worse than B of A. They have messed up multiple payments and even messed up their own deferred payment offer. Their customer service is atrocious. It’s like they don’t care to help. In an economy like this, their business won’t last much longer. When we can excise you like the tumor you are, it’ll be goodbye forever Toyota financial and Toyota vehicles. Let’s go Honda!

No ACH payment attempts were ever sent by Toyota.

On Nov. 20, 2025, I called Toyota Financial Services to explore my options of terminating my lease early. The first rep. asked the usual questions; my name, lease contract number, year and model of car, etc. only to inform me that she’ll transfer me to right department. Well after getting transferred to a 6th department, Andrew, “ID ** of Voluntary Surrender Dept.” instructed me to “bring the car to the dealer (Toyota of Carlsbad, CA) then call him back.”

Aside from counting down the days til my lease ended because of how much I hated the Rav 4. After my lease being paid off at trade in, Toyota still charged me for my monthly payment. Probably hoping I would notice. Toyota sucks

I do not recommend going through Toyota Financial Services. Make a payment and they refuse to write a letter for a minimum of 30 days. The letter is the last thing is needed for a mortgage company and by the time the letter is wrote and mailed to me, I will lose out on a house. Also calling them isn’t easy, they constantly hang the phone up on you.

I’ve had 2 loans with TFS & I could have never imagined the traumatic discoveries I’ve made recently. It’s a lot, so I will try to summarize. To start, I recently discovered blatant forgeries on the contract copy they provided me and there were alterations made every copy they sent to me throughout last year. They acknowledged the alterations on recorded calls and blamed the dealership, which I doubt is true. Towards the end of my last loan, they nearly doubled my final payment with zero explanation and despite the many calls for hours with them going over every single detail of my account and it being paid off and overpaid on early, they demanded I pay or my car be repossessed. They and the dealership led me on for a couple months that it wasn’t that serious and upper management would be in touch with me, which never happened. They reported me late for 3 months!

Unfortunately, my experience with Toyota Financial Services has been extremely disappointing. Our vehicle was declared a total loss, and throughout the entire process, we received no communication or updates from Toyota Financial. I had to keep calling them myself to get any information. The website shows outdated and inconsistent data — every time I called, I was told a different amount than what I saw online.

If I can give a zero I would. They kept calling me 8 to 9 a day. Even called my job while on the floor working after I told them I can not accept calls while on the floor. She called on dept telling him about me, then he came to me about what she said. They cut my hours due to them calling even when payment not due. Now hours cut I can't afford to pay on time due to this. Now my car gone. The rep said rudely, "I can't lose my job over this." Said, "Well you made me almost lose my job too." I'm a senior citizen trying make it. Now there going to make it harder for me to get another car. I'm surprised they're still in business working on commission. Never ever deal with them again. Have a co worker there doing him the same way too. Worst place to finance a car you will lose it.

I attempted to register my car in New York and needed title and permission from TFS. A fax was sent by the DMV to TFS but never received confirmation. Then I discovered TFS had received the fax, but FedExed the title without the permission letter as requested, which makes absolutely no sense. I was never informed that was done. After eight phone calls and conversations, I finally got TFS to send a permission letter to the NY DMV. Of course, it sent the wrong letter TWICE. Finally, I had to make the person at TFS stay on the line until the new letter was received, and even that one was not what the DMV had asked for although DMV accepted. This is outrageous, considering I have been a Toyota owner for over 40 years. As soon as possible, I will find another place to refinance my car. Never again with Toyota Financial Services.

Bad, bad, bad. There was a financial issue. Have it a financial issue and am struggling to make payments. A deferment is offered for a $430 fee. It is difficult to get a live rep on the line and each time.

I can’t stand it. The customer service. I had surgery, nobody wants to help me. It’s overwhelming. My autopay keeps getting turns off. It’s like I love the car but it’s just a big hassle and they harass you after they the ones who disconnect your bank.