Toyotafinancial Reviews 

They sent me a check with a “Rebate” I deposited and was void. Now I pay for a bad check and no rebate

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.

Missed two payment by direct debit in 15 years only by one or two days. Sent me a reminder for payment.got money in bank phoned them up saying money is in bank but not taken out. They said need see bank did that and bank said nothing to do with bank they don’t stop direct debit unless authorised which I guessed!. Got back in touch with Toyota financial and said they cancelled direct debit.SO THEY WONDER WHY THEYRE NOT PAID!. If they hadn’t cancelled it then they would have been paid. If a message or letter sent to me explaining in first instance why it was cancelled I would have understood. But what made it worse is they tried to blame the bank and it was them that cocked it all up. Usual scenario lack of communication! Useless.

Bought 3 cars from Toyota spanning over 6 years using their pcp. However i decided to buy the 3rd car as i got fed of monthly payments and changing vehicles so often. Requested them to extend my term by 6 months to pay off the remaining baloon payment. They outright refused and tried to manipulate me into agreeing another financial arrangement. No customer loyalty from a big so called reputable motoring manufacturer. In the end i was forced to take an interest free credit card to pay off the £9k payment.

I got connected to a Customer Service on January 13, 2026 between 10am & 1030a. The CS said he doesn't handle my inquiry & will transfer my call to the right department & yes he did transfer my call to a non working number. I just wanted my money back from the Care Plan I purchased. The dealer said to call Toyota Financial & Toyota Financial said to go to the dealer. Hey, Toyota I've gotten 3 cars from you how about being nice to your customers? Treat us with respect. CS is very rude & disrespectful. I can't leave a CS rating/review after my call because he transferred me to a non working number.

Absolute worst service ever. I get told that my Truck that I sold to a dealership is not paid off. Come to find out they received a check from the dealership. I call them to try to figure this out, because it can have consequences with my credit. Spent an hour of my day mad because I was waiting on a rep. The wait times are horrible, the organization of this company is horrible, and the reps are consistently rude. Under no circumstance should you finance with this company.

What a joke this company is , I'm due a refund they said it takes 10 working days and the 10 working days have been and gone. Still no refund as I've phoned the company up three times about it. The credit agreement was all cleared by the 7th of December and we r now on the 22nd

Avoid Toyota Finance they are an absolute shower!! Can't see how they get to use the name of Toyota, big big mistake by Toyota!! I have been trying in vain to get a refund of an overpayment by them on my Finance agreement. Nothing but empty promises that lead nowhere. If I ever buy another Toyota it certainly won't be through them!

The recent DCA commission complaint system is not working at Toyota Financials as I’ve been told by their Customer Relations call centre their records do not go far enough back. So even though I sent them the copy of the Agreement and other supporting evidence, they just send a boiler template response out. They have the temerity to say because they don’t hold records for those years, they say you cannot raise a complaint to the FCA which is a tactic to avoid responsibility for potential passed misdemeanours . I’ve raised a complaint of course with the FCA and encourage others to do so if you have been treated in the same shoddy way. No issue with Toyota cars but never use Toyota Financial services. They are very discourteous and rather dim in my opinion.

Avoid Toyota financial at all costs! A word is enough for the wise, worst customer service ever!
Tried last year for almost a year to get my direct debit changed to a single date. I mean how hard can that be, never happened. So was paying monthly, Got reminded I forgot to pay and paid immediately, still showed on my credit report even though I was told it won’t.

Worst company ever!

What an absolute nightmare trying to actually get through to anyone!! Dealerships are happy to sell you anything and their granny even when it’s not needed but borderline impossible to get a human from Toyota financial services on the telephone!

I thought the dealership was bad enough but this lot beat the poor level of service hands down!!!

Avoid Toyota at all costs. I had a full head of hair before I had the misfortune of trying to communicate with this lot AND I’m still sat on hold!!!

The worst, company. Paid the full balance in the car ,and 10 days later after two phone call with them to clear the mark on HPI for the finance, there is still said its outstanding finance on the car. The lady on the phone told me that's take up to 10 working days to remove, and is o job for 15min.
Avoid them at all cost

I am never signing a contract with them ever again. They are dishonest. Their dealers are good and knowledgable, but this is the worst company to ever finance your vehicle with. They are unprofessional over the phone, even hung up on me in my first attempt to get more information on this.

There is a $2,500 discrepancy between my current contract balance and how much the vehicle is worth, yet they also said I could still owe almost $7,000 after surrender. That makes absolutely no sense. I also made a $5,000 down payment on the vehicle and have made all of my monthly payments on time.

It feels misleading and unethical for a financial institution to quote inflated “vehicle values” that don’t reflect what they actually plan to sell the car for. Instead of providing a clear explanation or transparent numbers, I was given confusing and contradictory information.

Honesty and transparency matter. UNFORTUNATELY, I didn’t experience either here. Believe the reviews, and think twice before signing your life away.

The company sent a check to pay a reinstatement fee overnight but is advising they had not received the payment and timeframe. They are now advising of longer timeframe to process

Received my Toyota Carolla GR sport hybrid and was told by dealer previous toyota agreement was settled and received new agreement through Toyota finance and paid first installment was then told it wasn't settled by Email and letter it took ages to get through by phone and operator was ruid and uncooperative will try other finance company if possible next time love the car.

Knightmare to get hold of. Day 4 trying to get hold of someone to discuss settlement.

Tells you 5 mins wait time but still holding after 20. Sometimes they cut you off probably to make it look like they are answering more calls. Dreadful company. Steer clear!

Dreadful customer service, they simply do not respond or care about their customers

Mixed feelings on their customer service. Sometimes I'd call and be on hold for 30 minutes, just to get hung up on, sometimes I'd be through in 5 minutes. It's really hit or miss.

Once I was through to somebody, they were either really lovely & talked me through everything I needed to do, or a bit passive aggressive, and sounded like they really didn't care.

So it's totally all of the place with what kind of service you get. Rating it a 3 as the one lady I spoke to was super super helpful (even tho it was after 30ish minutes being on hold)

Toyota dealership excellent service it’s Shame Toyota financial services isn’t the same no letters when payment didn’t go through 4 months later a letter arrives you’ve missed 4 payments please bring your account up to date very very poor customer service and communication

If only I could leave minus stars. They do not deserve even the one star rating they get. Been trying to speak to someone for a month now. Phone calls get hung up. Emails not answered and the live chat is a joke and messages not responded to. Sadly, my latest agreement has only just started, otherwise I would hand the car back to them and walk away. I will not be looking to renew in 3 years.