Westlake Financial Services
Reviews and Complaints

If you're considering financing with Westlake Financial — run the other way.Yes, I had some late payments — mostly during COVID. After that, the only way I could get a live person on the phone was to miss a payment.

Their listed number (888-739-****) loops endlessly through an automated system. If we have a legally binding loan agreement, why can't I speak to a human when issues arise?For over two years, I’ve asked why I’ve paid over $5,000 more in interest than outlined in my contract. No one has provided a straight answer. I’ve paid $33,088.98 so far on a loan for $18,995.86, with a total contract amount of $33,752.16.

Somehow, they say I still owe $7,991. Their reps just give pre-written responses that don’t even address the questions. Not one person has explained where that balance came from.Then came the repossession. My past due was $700, and I had just made a payment under their reinstatement plan.

I had no idea my car was in danger — I left my laptop and personal items in the vehicle. Within 48 hours, they shipped the car 3 hours away to an Adesa location, even though one is just 15 minutes from me. After paying $860 to recover it, the car had damage, missing plates, mismatched tires, and over 1,000 miles added to it. Westlake wouldn’t acknowledge any of it.Worse — I found out 10 months later that they removed my name from the vehicle title without notifying me.

I had been driving illegally and paying insurance on a car I didn’t technically own. When I tried to renew my registration, I was denied. My insurance company told me none of my coverage was valid. Reaching Westlake for help was impossible.

Emails were ignored, tickets closed with irrelevant info, and phone calls went in circles — until I finally got a rep's personal number through the dealership. Even then, it took three more months of going back and forth with false information before they fixed the title issue.I was paying for a car I couldn’t legally drive, using rideshare to get my kids around, and wasting hours every week trying to get help from a company that wouldn’t respond. And through it all, Westlake acted like they didn’t owe me a single explanation.To top it off, they offered a so-called “mature payment plan” to settle the remaining balance — no interest, they say, but it includes a $4 per day charge that eats up 25% of each payment and adds another two years to my loan.Westlake Financial is not just unprofessional — they’re dangerous. They play games with your loan, communication, and legal rights.

You are expected to pay, but don’t expect answers, help, or fairness in return.I have the receipts — emails, phone records, tickets, BMV and insurance statements.

If I’m held accountable for my payments, they should be accountable for their actions.Stay far away. There are plenty of lenders out there — choose one that respects you as a customer and as a person.

If you're considering financing with Westlake Financial — run the other way.Yes, I had some late payments — mostly during COVID. After that, the only way I could get a live person on the phone was to miss a payment.

Their listed number (888-739-****) loops endlessly through an automated system. If we have a legally binding loan agreement, why can't I speak to a human when issues arise?For over two years, I’ve asked why I’ve paid over $5,000 more in interest than outlined in my contract. No one has provided a straight answer. I’ve paid $33,088.98 so far on a loan for $18,995.86, with a total contract amount of $33,752.16.

Somehow, they say I still owe $7,991. Their reps just give pre-written responses that don’t even address the questions. Not one person has explained where that balance came from.Then came the repossession. My past due was $700, and I had just made a payment under their reinstatement plan.

I had no idea my car was in danger — I left my laptop and personal items in the vehicle. Within 48 hours, they shipped the car 3 hours away to an Adesa location, even though one is just 15 minutes from me. After paying $860 to recover it, the car had damage, missing plates, mismatched tires, and over 1,000 miles added to it. Westlake wouldn’t acknowledge any of it.Worse — I found out 10 months later that they removed my name from the vehicle title without notifying me.

I had been driving illegally and paying insurance on a car I didn’t technically own. When I tried to renew my registration, I was denied. My insurance company told me none of my coverage was valid. Reaching Westlake for help was impossible.

Emails were ignored, tickets closed with irrelevant info, and phone calls went in circles — until I finally got a rep's personal number through the dealership. Even then, it took three more months of going back and forth with false information before they fixed the title issue.I was paying for a car I couldn’t legally drive, using rideshare to get my kids around, and wasting hours every week trying to get help from a company that wouldn’t respond. And through it all, Westlake acted like they didn’t owe me a single explanation.To top it off, they offered a so-called “mature payment plan” to settle the remaining balance — no interest, they say, but it includes a $4 per day charge that eats up 25% of each payment and adds another two years to my loan.Westlake Financial is not just unprofessional — they’re dangerous. They play games with your loan, communication, and legal rights.

You are expected to pay, but don’t expect answers, help, or fairness in return.I have the receipts — emails, phone records, tickets, BMV and insurance statements.

If I’m held accountable for my payments, they should be accountable for their actions.Stay far away. There are plenty of lenders out there — choose one that respects you as a customer and as a person.

OMG yes I had late payments - sorry skipper my life did not turn out as perfect as yours and you never fail. Someone should really finish nailing your sainthood to the cross ( rolls eyes ) My missed payments were during Covid.

Any late payments thereafter were prompted by the fact that this is the only way to get a live agent to return your inquiry. Otherwise, their only number looped to automated entries only. That is where the sublime lender starts. If we have a legally binding contract, then I should be able to speak to a live agent to resolve any issues.

When I ask a question regarding my loan/charges I was never given a straight answer. Hence, I will make my payment when I want a live agent to answer me. MUTUAL relationship. I have been asking for over 2 years why I have paid $5000 over into my interest billed than on my contract, and no one in the company can provide an answer.

Mr. Anonymous with the short d, with all your wisdom a few late payment do not amount to an $8000 discrepancy. Speak when spoken to and know all facts when answering. When they repo'd my car - my past due was $700 and I had just made my 1st payment on the get caught plan.

If I thought that my car could possibly be repossessed, then I would not have kept any personal valuables in the car. Which I did - my security tape shows me putting my laptop and Nike bag in the car. Neither were recovered. Within 48 hours of them taking possession, they had shipped it 3 hours away to Adesa, even though there was an Adesa 15 minutes away.

Intentionally, to try to prevent pick up. After paying $860 for a transport company to drive 3 hours away to pick up my car. Because you can only pickup Fridays between 7am and 10am and I work. The license plate had been removed/missing, my new set of tires had 2 misfits, there was 3 holes punched in on my dashboard, my weatherproof carmats were gone, and there was about 1100 miles added since an oil change the day before.

WESTLAKE will not address anything, as I had just made a payment on their payment plan. Sept 2022 to July 2023 - I drive my car, pay the payments/insurance. Now it is time to renew my plates. BMV wont renew because my name was removed from the vehicle 10 months earlier.

Technically, I had been driving all year with an illegal vehicle. NOT ONCE notified by Westlake that this was done. I called my insurance company, all the payments I had made to them would not have covered the vehicle as it was not in my name - $1380. I tried calling Westlake, but stuck in the automatic loop.

I emailed, they opened ticket, responded with information that did not pertain to what I needed and closed the ticket. This went on for 3 weeks. I finally called the dealership that I bought the car from - a new Finance guy gave me his Westlake rep’s personal cell #. Then I was able to get a live agent on the phone.

It then took over 2 more months are going back and forth. Westlake telling me that my BMV needs to do this and that, my BMV laughing because it was not what was needed. My BMV talked to Westlake and apologized to me that I had to deal with such ignorance. The BMV simply needed them to add my name back to the title and Westlake played games like they did not understand how to be compliant with documentation.

If I am held accountable for my actions, then as a company they should be as well. SUBLIME comes in when it takes me 3 months for someone at Westlake to realize the BMV needs you to add my name back to the title really means exactly that. Yes, I have all the emails/tickets/phone records to show. I spent countless hours on the phone and online trying to resolve.

3 months of paying for a car that I could not drive - 3 months of grocery delivery, doordash and uber to feed my kids and get them where they needed all while walking past a car I was paying for that I could not drive. AGAIN - Westlake does not want to address any of that. BUT let the tables be turned. THAT is where SUBLIME comes in - give me your money but do not ask any questions or expect us to fulfill our legal agreement.

Because legally, I am positive they are in violation of multiple consumer laws given the lack of action they have taken to resolve any issues. Plus they wait for you to make a payment to add the accrue interest charge. I make a $1200 payment, it all goes to an interest accrual on the same day for the same amount. Nothing I overpaid went to principal to knock it down - my interest accrued amount just changed to match the payment.

SUBLIME means when I call and the company representative escalates an issue. I should not receive an email the next day like I did not reach out and you aren’t supposed to be looking into something. The total amount on my contract was $33752.16 - Amt financed $18995.86 & Finance charge of $14756.30 To date I have paid $33088.98 - $11699.29 toward principal / $20790.83 towards interest / $518.86 other feesWestlake says I still owe $7991Which is almost an $8000 additional I am expected to pay, but no one at Westlake will answer why without a pre-printed rebuttal that does not even cover my question. They offered me a mature payment plan to pay this balance off, which does not have an interest rate BUT does have a $4/per day charge, which will take 25% of this mature payment thus extending the time I pay for this vehicle by 2 years.

YET no one at WESTLAKE has to answer why? That is SUBLIME, shady business. A loanshark will have a conversation with their client. Your baby momma has to answer the question in court.

But Westlake? Nah they think they are above being touched.

That should tell you all you need to know about Westlake. BEWARE and stay far away!