Toyotafinancial Bewertungen 

Another dissatisfied Toyota Financial Services customer - customer service completely useless when you eventually get through and complaints department zero follow up. Never again.

Very disappointing experience.

I returned my vehicle over five weeks ago after experiencing issues, yet I’m still receiving letters from the finance company demanding payment for alleged arrears.

I’ve spent weeks chasing both Cinch and the finance company, with each appearing to blame the other for the delay. As the customer, I’ve been left in the middle trying to resolve something that should have been dealt with between the companies.

What’s particularly frustrating is that Redline Finance’s letters invite customers to contact them by email, yet I’ve sent three emails and not received a single response. It’s hard to understand why they advertise email as a contact method if they don’t reply.

To make matters worse, I am now extremely concerned about the impact this ongoing dispute may have on my credit record. No customer should have to worry about their credit rating because two companies have failed to resolve matters after a vehicle has already been returned.

This entire experience has caused unnecessary stress and has been handled very poorly. I hope it is resolved soon, but based on my experience I cannot recommend the level of customer service I’ve received.

Sent 2 bills a month complained 3 months in a row now I get no bills in the mail. Hard to get a hold of live person. They just cant seem to figure it out. Wont use them again

Avoid Toyota Financial Services / Redline Finance – Terrible Customer Service and Complaint Handling

My experience has been extremely disappointing and stressful.

After rejecting my vehicle under the Consumer Rights Act 2015 due to serious faults, Cinch confirmed in writing that my rejection had been accepted. Despite this, the finance side has been a complete nightmare.

I spent around four hours on the phone trying to get answers. Staff repeatedly interrupted me, spoke over me, and I was passed from one department to another without anyone taking ownership of my complaint. I asked for a complaint reference number but was refused. I was also transferred to a member of the Customer Solutions team who refused to speak to me.

The lack of communication between the companies involved has left me caught in the middle, with each party blaming the other instead of resolving the issue. As a customer, that is simply unacceptable.

This situation has caused significant stress for my family, particularly as my husband has a serious heart condition. No customer should have to spend hours chasing a finance company just to have a legitimate complaint acknowledged.

I have now formally complained and have raised concerns about the handling of my case with the appropriate regulators. I expect regulated financial firms to treat customers fairly, communicate properly, and follow the FCA's complaint-handling rules. Unfortunately, that has not been my experience.

Based on my experience, I would not recommend Toyota Financial Services / Redline Finance. The poor customer service, refusal to properly deal with my complaint, and the lack of communication have been unacceptable.

They absolutely disgust me! As a consumer I average 850 Credit Score on all bureau’s and have paid 6 (six) Toyota Cars in full, never missed a payment and all in good standings. I most recently went to get my 7th Toyota they simple declined me and labeled me “Banned for Life” very unprofessional of Toyota. If you deny me got knows what internal issues you guys are battling.

Absolutely awful !!!
TFS are harassing me for a "late payment" for a car I traded in for a new one. They even sent me a Welcome Pack !
The car was traded in and I paid off the negative equity on 26th June. Every day I get multiple phone call wanting me to pay.
No way!
When I tried to speak to them, they didn't believe me. I won't be trying again...
Ive been buying Toyotas for over 25 years. My next car will be something other than Toyota. Toyota Financial Services have singlehandedly achieved this.
If they think they can upset customers, wait till they're all gone... then see how they survive.

The people who answer the customer service line are completely incompetent. I refinanced my vehicle through my bank and it’s been a nightmare to get the information needed from Toyota to transfer the loan. They’ve now provided incorrect information twice leaving me with 2 open loans because they won’t send the title to my bank.

I would love to speak with someone higher up at TFS because I don’t think I will ever buy another Toyota if I have to deal with TFS.

Is this how Toyota makes money by emptying your pocket?

I was out of the country for a few months, and one of my lease payments didn't go through. My bank confirmed that they never received a withdrawal attempt from Toyota Finance.

Now Toyota Finance has charged me $750 in late fees for those few months, even though my monthly lease payment is only $256.

How is that reasonable? Has anyone else experienced something like this?

Esta reseña va exclusivamente para la Srta. Ana de Toyota Financial Service.
Tras un peregrinaje con Toyota España, más concretamente con un concesionario de Alicante "Concesionario Oficial Toyota Alicante Medimotors Premium" en el que tras poner una estrella y comentar mi experiencia, me pidieron información y a día de hoy no he obtenido respuesta alguna, hoy he conseguido hablar con la financiera.
Mi reseña en concreto no es porque ella haya podido solucionar nada en concreto, sino por su empatía y saber escuchar. Me ha pedido la ref. de la reseña para intentar enviar un mail a sus compañeros para que se pongan en contacto conmigo.
Creo que la Srta. Ana es muy buena profesional, siendo en todo momento profesional y teniendo esa parte de empatía que muchas veces necesitamos los clientes.
Espero Ana que está reseña pueda llegar a tí.

I've paid off my vehicle so I'm not someone complaining who doesn't pay their bills. TFS has the most ghetto service and call center I've encountered. I would never finance another vehicle through them, EVER.

Toyota financial is the worst company you could deal with. They were paid off two years ago. It still shows on my credit that I owe the money confirmed with them that the account is paid off two years prior still on my credit as I owe them money.

Una estrella porque no hay cero, gentuza, que tratan al cliente como delincuente por deber UNA CUOTA.
De 40 pagadas. He tenido vehículos con select de BMW y con Mercedes y jamás recibí un trato así, amenazas con tribunales , juicios llamadas a todas horas. Cuando termine de pagar que me quedan 5 cuotas del préstamo los denuncio por acoso. INTOLERABLE.

I moved to another state. They require the title to be sent to the country treasurer's office so I can register it. My Honda, my Subaru, even my Grand Design RV was no issue. Toyota said it would be done and marked it as resolved on 03/25. Today is 6/12 and it is still not completed. I have had to call every other day to get a status and each time I call, I get a new rep who gives me contradicting information from before. Their service is the worst. I will never finance anything with them again. This should have been done already and yet here I am still on hold with yet another person to tell me why it still can't be done. I'm told time and time again that it will be completed in just a day or two. 3 months of going through this and I am still not done. It is the WORST!

Pésima experiencia con el servicio de atención telefónica tras una devolución puntual de factura. Soy un cliente que paga puntualmente todos los meses y jamás me he negado a hacerlo. Sin embargo, recibí una llamada de un operador llamado Eduardo L. exigiendo el pago de un mensaje enviado solo dos minutos antes.El trato de esta persona fue completamente inaceptable, prepotente y una falta de respeto absoluta. Se dirigió a mí juzgándome como si fuera un delincuente, llegando a decirme textualmente que 'si no tengo dinero que no compre un vehículo'. Este empleado carece totalmente de educación, empatía y de las aptitudes mínimas para atender al cliente.

No te atienden. Por teléfono siempre están ocupados. El WhatsApp es una pesadilla creada por I A que ni siquiera entiende castellano ni verifica tus datos. Y la web de atención al cliente promete darte una respuesta en siete días. Con lo bien que te atienden en concesionario es una pena que el post servicio sea tan ineficiente y engañoso

Tres mauvaise communication. Emails erronés, montants non a jour. Application fouillie. Document de cession long à obtenir a l’issue des paiements. Pour le financement, je n’ai pas eu de problèmes, prélèvements réguliers sans erreurs.

I would give 0 Star if I could.

Extremely disappointing experience with Toyota Finance.

I was advised to take a PCP agreement based on my budget, but the differences between PCP and HP, particularly the final balloon payment, were not clearly explained. Towards the end of the agreement, I discovered I needed to pay around £2,000 to own the vehicle outright.

When I asked to spread the payment over a few instalments 3-4 due to financial hardship, my request was refused. I was forced to borrow money from friends and family to make the payment. After raising the funds and made over a thousand pound payment on a Friday 29/05/2026. Toyota Finance then questioned whether I could afford to make a final £800 on Monday 01/06/2026 giving that was the final date to make the payment, which felt contradictory and frustrating.

I maintained all payments throughout the 48-month agreement and expected more understanding and flexibility. Instead, the experience caused significant stress, financial hardship and left me feeling let down as a customer.

If I could give 0 stars, I would. I've had two cars through them. Really had no problems with my first car, traded it in and got a bigger car for myself. I've missed a couple of payments I am not going to lie. But I've always made it a point to pay double the next month so I was caught up.

There's a bunch of issues I have with TFS.
1) on my statements, it says to make a payment before this date to avoid a late fee. On the app, almost every single month there is an added late fee.
2) I do not understand if they are operating normal business hours why it takes 3-4 business days for them to process my payment when I make a payment on a weekday.
3) On my bank statements since I have owned this car, they have taken out my payment. Yet on the app, they are saying they "refunded the payment." When I ask them what this meant, they couldn't give me a straight answer.
4) Any double payment I have made should be going to the late payments so I am current. They do not give you an option to pay toward late payments or principle. They just put the payment toward the principle, making more money in late fees.
5) The last time I called TFS to talk to someone, this man was so rude and condescending talking to me. Called me "honey" and told me the reason I have late fees was because my bank didn't have the money for the payment. When I told him I can send him copies of my statements where they took the money out, he changed his story to where I made the payment late. I ended up hanging up on him because I was beyond frustrated. Now they're saying my car is up for repo even though both my husband and I have made payments to where that shouldn't happen. Do not finance from them. Go through your bank or anyone else.

Muy decepcionada con Toyota Financial Services. Nunca recibí información clara sobre muchos de los cargos y terminé enfrentando intereses exageradamente altos. Además, el sistema constantemente da errores y acceder a la cuenta se vuelve una pesadilla.

El servicio al cliente y el manejo de la situación fueron muy malos; sentí poca empatía y cero soluciones reales. En pocas palabras, me sentí estafada por esta institución. No recomendaría esta experiencia a nadie.

Hold dig langt væk fra Toyota finance
Det er det værste samlingssted for inkompetente idioter
Har sendt dem adgang til bank og skat, på trods af det kan de ikke se jeg har en indkomst
Godkendelse har nu været halvanden måned under vej, stadig uden afgørelse.
Der er nok en god grund til de er rated til 1.1