Cars Financial, Christiansburg, VA

I don’t like paying a fee to make a payment but it’s been a good experience so far if I have a question they are good about helping me. The staff is pleasant and that goes a long way.

I tried to call when i switched over my insurance but never got an answer. I once was on hold for ten minutes then just hung up on. Other times i didnt even get that far. I chose the option to leave a message and get a call back and i never was called. Then despite that i am almost a full month ahead on my car payment and fully insured, my car was disabled stranding me almost 2 hours from home. Also there is a fee every time you make your car payment. It says its only if you pay by debit card but its forced on there with every payment option. And it doesn’t come off the loan so im just forced to pay more every 2 weeks. And this was not disclosed to me when signing. And they keep the spare key. In fact there wasnt a spare key and i had to meet someone and have a key made and bring it to their office under the impression that they just needed to know there was a second key. I was unaware that I would not be able to keep it, as again that detail was conveniently left out when i was signing. So should something happen to my key im out of luck unless i want to pay out of pocket to have a smart key made. I cant wait until i can refinance somewhere else that doesn’t have a 13 percent interest rate on a secured loan

Honestly wish I could give zero stars, mind you I had a car with them almost 10 years ago and gave the car back, well since about last year they just started garnishing my wages.. I didn’t think they could do that after so long. Well I guess I’m stuck paying it off but after that I’m never dealing with them again.

Very disappointed in myself for ever allowing these kind of financing terms. Car financial should be more secure at this point to not allow customers with such struggles to suffer. To turn off anyone's car for being a week or even two weeks behind during this times are beyond insensitive. Please you be better off at JD By rider . Its time to re write some policies with the company!! People remember how there treated when there down. This company thrives on the weakest of us! Very sad! You should give folks 30 days before a disable is affected. Cutting off cars with kids and medical issues involved seems dangerous! Dont do it. Could be in a bad situation one day and have to leave but guess what you cant! They cut off you car cause of a payment! I will make arrangements to 86 my contract with them somehow as soon as i can.

This so called finance company is an absolute joke. COMPLETE CROOKS. Run in the opposite direction. Do not sign a contract with these shady thieves. That’s all they are, and you will ultimately regret it.