Auto Loans
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Last Updated: 04/18/2025
Westlake Financial Auto Loan
Unaffiliated
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -76
Strongly not recommended41 total votes
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Highlights
Community Rating
Strongly not recommended
Amount Range
$1,000 - $25,000
APR (Fixed APR)
Starting at 1%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 850
Loan Term (Months)
Up to 72
Number of Reviews
Westlake Financial Auto Loan Review
Westlake Financial Auto Loan is offered by Westlake Financial Services, a financial services company founded in 1988 and based in Los Angeles, CA. Westlake Financial auto loan are available in 48 states and Washington, DC.
Westlake Financial auto loan FAQ
How much can you borrow via Westlake Financial auto loan?
Westlake Financial auto loan loan amounts start at $1,000 and go up to $25,000.
What APR does Westlake Financial auto loan offer on its car loans?
Westlake Financial auto loan offers a fixed apr car loan product that ranges from 1% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Westlake Financial auto loan?
Westlake Financial auto loan has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Westlake Financial auto loan charge an origination fee?
Yes, Westlake Financial auto loan may charge a loan origination fee .
Does Westlake Financial auto loan charge a late fee?
Yes, Westlake Financial auto loan charges borrowers with a late payment penalty fee
Does Westlake Financial auto loan charge prepayment fees?
No, Westlake Financial auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like Westlake Financial auto loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Westlake Financial auto loan loan?
Yes, you can. Westlake Financial auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Westlake Financial Auto Loan?
When it comes to credit scores, Westlake Financial Auto Loan doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Westlake Financial Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Westlake Financial auto loan?
Westlake Financial auto loan will typically fund the car loan within 7 business days of approval.Does Westlake Financial Services perform a hard credit pull?
Yes, Westlake Financial auto loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Westlake Financial Services a legit company?
Westlake Financial Services was founded in 1988, it is a well-established company that has been in business for 38 years. Westlake Financial Auto Loan is strongly not recommended by SuperMoney community users.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -76, or 1.5 on a 5-point rating scale.
-76
-1000+100
No one recommends
Everyone recommends
Westlake Financial Auto Loan Community Reviews
Would you recommend Westlake Financial Auto Loan to your friends?
AF
Alexis F.
Sep 26, 2023
May or may not recommend
James Cea was very helpful with my account today and helped me through what I needed to do. Very helpful and friendly.
SI
Saif I.
Aug 12, 2023
May or may not recommend
I’ve paid on time. Good credit allowed me to have a low interest rate/low term length. App is easy to use. No issues with lender communications.
U
Anonymous
Aug 4, 2023
May or may not recommend
After having the vehicle fora month they decided to decline my financing causing me to loose my 13000 dollar down payment.
U
Anonymous
Jun 20, 2023
May or may not recommend
I will definitely decline if this is the bank for my auto loan. There's no option to pay for your gap online. They have it to where you have to call in and pay $5 for every payment. Customer service is no help. Even if you pay extra on your payment for the gap it doesn't apply to the gap just the principle so it's like you're ...Show More
KH
Kristina H.
May 8, 2023
May or may not recommend
Westlake took me when I had a lower credit score and just GOUGED me on interest. They start calling you twice per day on the day your loan pmt is due, several times per day, even with a 15 day grace period. Im 2 years in, have changed states and need to have a document from them to get registration but they have screwed up the process all the ...Show More
Nathalie S.
Apr 11, 2023
May or may not recommend
Worst financial company ever. They towed my vehicle I was current on my payment. I’m looking to sue them.
Lounha F.
Jan 9, 2023
May or may not recommend
The worst , I wanted to pay off my loan in 1 day instead of 37 months and they wanted me to pay all the 37 month interest fees which doesn’t make any sense .
NR
Nancy R.
Dec 4, 2022
May or may not recommend
I took financing with west lake and EVERYONE knew I planned to pay it off early.
AT THIS POINT MY FIRST PAYMENT ISN’T EVEN DUE YET and I can reach NO ONE to remove the JUNK FEES and LET ME pay it off! There are also line items that NO ONE can identify! I can’t reach a person who I can actually deal with! I HAVE THE CASH ...Show More
U
Anonymous
Nov 10, 2022
May or may not recommend
Absolutely horrible company Insurance wouldn’t pay out a claim because of someone not being listed as a driver car is totaled GAP won’t pay anything now we have a totaled car with a lien and they won’t come get the car. They want money for their property right? Come get it then!!!! Pieces of shit transferring me on the phone cutting me off
Daniel B.
Oct 6, 2022
May or may not recommend
Westlake Financial disregarded my request to send validation of this debt. 15 U.S.C. 1692g - Validation of Debt. as well as 15 U.S.C. 1692c - Communication in connection with debt collection & 15 U.S.C. 1692d - Harassment or abuse.
Iwillnot C.
Aug 21, 2022
May or may not recommend
I hate dealing with this place. I wish I would have gotten a loan through someone else
LS
Lisa S.
May 26, 2022
May or may not recommend
Repossessed the vehicle and charged 30 dollars a day storage, but when I asked the wrecker company they said there was 15 days free storage. Westlake refuses to refund the storage fees and admitted on the phone that it was just a line item on their paperwork they charge for, not the towing company.
U
Anonymous
Oct 11, 2021
May or may not recommend
I have been living in a nightmare with these clowns. I was in an accident and my car was totaled - I was not at fault. I refinanced my car with them and they are not providing my insurance company the title which then in turn makes it so insurance cannot pay them out. West lake is now sending my to collections… so here I come with my attorney. DO ...Show More
U
Anonymous
Aug 13, 2021
May or may not recommend
Westlake is a very unprofessional company. They are on the same scale as scammers. All they worry about is collecting their payments, forget the customers. Their employees are rude with them putting you on hold, transfer, or even better they hang up on you. No use in asking for their supervisor as they are just as useless. I would definitely recommend a more affordable option as well. As for what ...Show More
LT
Lively T.
Jul 6, 2021
May or may not recommend
Received a phone call from Tracy Bergiman
Director of Compliance at Westlake Financial Services
Los Angeles Metropolitan Area and he was laughing at the fact that I asked for a goodwill forgiveness for a late payment on my already paid off car that I financed from Westlake. I explained to him that I had a major medical issue that unfortunately I had to take care of and is the reason why ...Show More
SW
Susan W.
Jul 6, 2021
May or may not recommend
Predatory lending, high interest rates, malice intentions and assumed fraudulent financial affairs.
KG
Kathleen G.
Jun 5, 2021
May or may not recommend
Bought a car 1st payment of 390 was due May 12th on may 8th I paid 200 and called them telling them the other 190 would be paid on May 28th well it was paid so not in default, however on June 4th my car was repossessed and west lake made the car company buy the loan back so now they don't have to talk to me or explain shit ...Show More
KM
Keyshawn M.
Apr 3, 2021
May or may not recommend
I’m not trying to sell a sob story, but they’re are just like the typical big company. They don’t care about your financial crisis. I know a lot of people was impacted by the big pandemic...I was definitely one of them. I first financed my vehicle on 03/04/2020. Not knowing that there would be a big outbreak like it was. Long story short I paid them for at least 10 ...Show More
BS
Brian S.
Mar 9, 2021
May or may not recommend
Score was 750+ and rate was over 19%. Dealer claimed it was best they could get. We were in a bind and our jobs/finances were car dependent. This is an old scam player between dealers and lenders. Jack up the rate and split the swag.
Not bad enough, but our car was totalled. The insurance was more than we owed, plus we had an excess month payment paid.
They received ...Show More
Betty H.
Feb 18, 2021
May or may not recommend
I contacted Westlake, due to the fact my car which I have only had for a year and I have not even put 1000 miles on it. I started having problems I took it to two different car mechanics, both said the same thing that it would cost me $4500 to $5000 to repair, or I need to get rid of it immediately. I owe $2990 on the car I ...Show More
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