Exeter Finance

"Exeter Finance is by far the best Finance company I have ever used. My husband and I fell on hard times when he was laid off from work, and they have been so caring and understanding-they have accommodated us in so many ways. They have truly been a blessing to us. The most compassionate and understanding lender you will find!"

"This section of the law (15 U.S.C. Section 1692f(1)) makes it illegal for debt collectors to tack on extra amounts that aren’t included in the agreement you entered into with a creditor. That being said, after insurance and gap paid the company for the car, there was $154.00 left on my account. I called to pay the remaining balance and they are trying to make me pay over $2500.00 claiming that the balance is because of interest owed from the previous balance before insurance and gap made a payment. Interest can only be charged on the principal amount on a loan account, but this company is trying to make me pay for interest they didn't get a chance to charge me and had the nerve to offer me a 60% discount of a fee I am not even supposed to pay at all. I have been at odds with this company over the last few weeks. The car was totaled over 2 months ago, it was covered by insurance and gap paid the rest. They constantly tried to get me to make payments on a car that I didn't have any more and they are reporting the full balance on my credit report as of 01/20/24 and the balance at that time was $6,000. This false reporting of this company had decreased my credit rating significantly over the last 2 months and has cost me a lot, hurting my approval rating among other things. At this point the company has not only broken the law as stated above, but they should be paying me restitution for what they've done to my credit rating as a result of false or inaccurate reporting. Their interest rate is already among the highest in the industry for the same credit rating, their customer service doesn't know anything other than how to ask you for money, and there's no way to talk to the credit or accounts receivable department. This company gave me the feeling of a loan shark shaking people down, adding crazy fees and high interest rates. This is absolutely insane and they should not be allowed to remain in business with the horrible results that they deliver to their customers."

"Nothing but a good experience with them so far. While my interest rate is high, I know that is due to my credit score and having just financed a car and had to get a new one. I've had to make payment arrangements a few times and they've always worked with and for me. I hope to pay them off early, but if I am unable to I ensure I keep the communication open and always document conversations."

"This is by far the WORST experience I have ever had with a finance company. I bought a used car back in 2019 - never once made a single late payment, and recently paid it off in September. Without going on a tangent, their communication is AWFUL. No title, no confirmation of the car being paid in full, and hour long wait times on the phone. After paying off the car, Exeter so kindly reported a 30+ day late payment to my crediting agencies, which dropped all of my scores 50+ points. When I called to find out why in the world they reported this, the representative had no clue and I had to start the process of jumping through hoops to dispute this. Well I just called to follow-up on the status of the dispute, and the rep had zero clue where it was and told me to “call back in a couple days”. While on this call, I asked where my title is, and they sent it to the address that I lived at 5 years ago, in spite of me changing that information when I moved and confirming my address again when I spoke to someone. Now I have to wait another 30 days for my title and I have zero status update about my credit dispute. I worked really hard to pay off my vehicle, and now I’m screwed because of it. I hate this company and I’ll never use them again."