Westlake Financial Services Reviews 

In 2019, I purchased a vehicle that was sold and financed for $15,300. I made a down payment of $1,500, leaving an estimated financed balance of $13,800. The loan term was five (5) years, with a fixed monthly payment of $548.

Over the full loan term of 60 months, I paid a total of approximately $32,880. This amount significantly exceeds the original financed balance and raises serious concerns regarding the interest rate applied, the accuracy of the loan disclosures, and whether the total cost of financing was properly explained to me at the time of purchase.

Based on the original loan terms, the account should have been paid in full by 2024. However, it is now 2026, and I am questioning whether my account was properly managed and whether I was charged amounts beyond what was contractually and legally justified. Stay away from Westlake Financial Company!!! This is the worst company ever! Use the bank instead!

I’ve had a really bad experience with this company they are incompetent and scammers other financial companies give you well over 60-90 days to make payments this company does not this company will accept your payment an still pick up your vehicle. Nothing about anyone that works for their customer service team has common sense they lack knowledge of companies procedures an lack experience they have no sympathy for customers at all they accept low credit because they know they are going to scam you in the long run I’ve had my vehicle for about 2 years an the interest is insane please no one should ever go through what I’ve had to go through please don’t accept their loan wait for another’s bank approval they suck!!!!!

Westlake is a company to avoid at all costs. Even after we clearly told them not to proceed, their agent went ahead and activated our account—and debited our funds without permission. This happened months after we had explicitly opted out. Charging a client without approval is unacceptable and shows they don’t care about basic ethics or professionalism.

What came after was even worse—endless delays, excuses, and flat-out refusal to refund the money they took without authorization. Their staff are irresponsible and unresponsive, and accountability is completely missing.

We strongly urge anyone to stay far away from this company to avoid unnecessary stress, financial loss, and wasted time.

This is the most difficult customer support system to get in touch with ANYONE.

Try calling their service and you'll be taken into LOOPS of automations with no clear way to talk to a representative.

Specifically for their loan department. If you call their credit department to see if they can get you in touch with someone to help, they'll DENY you help because you're calling the WRONG department and mention it's "impossible" for them to connect you with an agent in another department. Lol this is ridiculous customer service! For lending money and offering credit, at least have a better human in the loop system vs these bullshit automations!

After doing some finger magic with punch numbers on the automated system I somehow thought I caught a break and got a hold of someone. Lol funny enough it was an AI ASSISTANT! You guys cracking me up. Her name was Taylor and I got quite acquainted with her until I called her out and asked directly if she's an AI and funny enough she admitted it!

After pushing forward with the AI Taylor, I got to speak with an agent. But damn, it took me a solid 25 minutes to get to that point and I consider myself someone highly technical. I can't imagine how hard it must be to reach a representative with a serious inquiry to speak to someone about an urgent matter who is elderly or non-technical.

Fix you stuff guys, this is embarrassing.

Anyone considering doing business with these people, here's your warning

Do not do business with this finance company. It's one of the worst. They charge high interest rates, and if you happen to have any problems with damage to your vehicle, they will try to find any excuse not to cover the cost of the repairs. Their technicians who assess the damage are incompetent.

High interest rates. Lack of honesty and clarity in the contracts. Don't buy the GPS they offer; it's garbage. Poor and rude customer service.

Well, if you don't mind having your auto-loan company deduct your car-payment multiple times when they are supposed to only ONCE a month (and then make up reasons why that was legit) -- then, what could possibly be wrong with that??

After my (honest) car-dealer helped me find an HONEST credit-union to which to transfer/refinance, these thieves took FOREVER to forward the Title, etc. Now, I'm working to get their no-longer-existing debt off my credit-report. If I could give Westlake Financial ZERO (0) stars or even -1, I would; but 1 star is the only option available.

I cannot report Westlake Financial to an FTC that is unavailable in this Federal Government shutdown, but I *can* warn the public: If you have ANY choice at ALL, *STAY AWAY FROM WESTLAKE FINANCIAL!!!*

I financed a 2016 F-150 through Westlake Financial Services, and I’ve had nothing but problems from the start. When I purchased the truck, I noticed it was smoking within 24 hours. I brought in a mechanic’s diagnosis, but Westlake refused to cancel my contract, saying it wasn’t the engine. Even the DMV confirmed that the vehicle wasn’t properly inspected, yet Westlake wouldn’t step in.

Fast forward to my recent payment experience: I had already set up automatic payments about six days before my due date, but the payment didn’t go through. This left me past due, which wasn’t my fault. When I called in, I spoke with a representative (I believe her name was Melenia). She told me I might receive an NSF fee because I had entered the wrong account once, even though their system wouldn’t allow me to cancel or correct the payment after it was submitted. I explained that I just wanted to cancel the payment and use another card I had on file, while leaving the automatic payment set up for next month.

Instead of calmly helping me resolve the issue, she got frustrated and matched my tone, escalating the situation further. A professional representative should have stayed calm and de-escalated. I eventually asked to speak with a manager, and was left on hold for over 10 minutes.

Overall, I feel Westlake has poor customer service, unfair practices, and doesn’t stand behind their financing agreements in a way that supports customers. Between the truck issues at the beginning and the ongoing payment problems, I cannot recommend them.

Impossible to reach as all phone numbers lead to a poorly designed automated system. Evidently no humans work at Westlake! Totally out of touch with their customers as it appears intended!

If I could give this company NEGATIVE ZERO stars I would. 1st of all, they send you to a computer to talk. Its ridiculous, when you do reach someone, they keep transferring you. How in the world are they in business 🤔. I had a 5 year term with them, they charge you daily. I worked Overtime to pay it off in 1 year because they will rob you blind. Stay far far far away from them. I would rather mop the ocean or cook rice one by one than mess with them.

Estafa, robo y desonestodad. Devolvi un carro financiado hace 6 meses despues de tenerlo por 8 mil millas, en 4 meses me reflejaron un saldo fantasma. A la fecha no lo han subastado y hicieron el reporte a colessiones del total del vehiculo como si me ubiese robado.
Me habia comprometido a pagar algun saldo negativo de la subasta. Pero les valio madre.

Tried to reach someone about my car being paid off,and why after Id paid it off is it still on my record and it doesnt show any updated payments even after 90 days. 1st I got the run around and I got transferred and transferred around and around. This was supposed to be the right department then this one!!! This company is a joke. I`m glad I paid these fools off so they cannot rob me of anymore funds. If you personally run into this situation. Do as I did and contact all the credit agencies yourself because Westlake will never do anything except hound you for money and be at your door waiting to impound your car if you miss one payment. Straight trash!!!

No person to talk to... just a computer
Don't take the GAP Insurance.

Better trained staff is a must do. They tried to get a pay off amount on a vehicle lian that was paid in full over a year ago. I have my title along with invoice that shows $0.00 balance, yet they still tried. Very poor communication is an understatement. I would not advise anyone, no matter what the circumstances, not to EVER use this spam like company. Beware!!!

Total Scam, They Pre-Qualify you, Then when you apply for financing on a $7000 vehicle, they reject you. But they'll qualify for a $12000 vehicle with an exorbitant down Payment of $1700 or more.

Westlake financial is a peace of shittttt they ready to brake your gate tow your car as fast as possible, so they can have the money FROM government AS face AS theY RE expecting
DO NOT DEAL WITH WESTLAKE FINANCIAL PLEASE ASK YOUR DEZALER TO FIND YOU ANOTHER BANK

Still have not recieved Title.

Lie - Lie - Lie

Criminals by Definition!

Hang- Hang - Hang

LIAR LIAR PANTS ON FIRE!!!!!

Beware of Westlake Financial. I financed a Cadillac Escalade with them. Everything was great. I paid on time for a year or two then I paid it off early years ago. I still have it with the free and clear title they sent me. Anyway I'm looking at buying a brand new Escalade and it shows on my credit report it was repoed. I did a dispute with Experian and other agencies. Well I called Westlake to see if they could report it correctly to the credit agency and they said no. Well the dispute came back unchanged too. Now I'm going to show my proof to someone until I get it fixed. Westlake will not fix it for me even though I was never late and paid it off years ago. I strongly recommend staying away from them and never doing business with them. They are a terrible company.