In my experience with Challenge Financial, I have never encountered anyone as remarkable as Annette. She is the gold standard of customer service and professionalism, and her dedication to her clients is nothing short of extraordinary. Annette doesn't just fulfill her role--she goes above and beyond at every opportunity, truly setting the bar for what exceptional service should look like in any industry. What makes Annette stand out is her unwavering commitment to her clients. She listens attentively, handles even the most challenging situations with grace, and consistently delivers creative solutions. Annette's ability to navigate complex financial issues, all while making you feel genuinely cared for, is a skill that cannot be overstated. Her attention to detail and proactive approach are unmatched. Her calming, friendly demeanor turns what could be stressful situations into positive experiences. Even when facing difficult circumstances, Annette remains patient, compassionate, and determined to find the best outcome for her clients. It's clear that she genuinely cares about the people she works with, and that level of empathy is a rare and invaluable quality in customer service. Annette's approach is not just about solving problems; it's about creating a relationship of trust and support. She consistently goes out of her way to ensure that clients are informed, comfortable, and confident in their decisions. Challenge Financial is extremely fortunate to have someone of Annette's caliber representing their company. If every customer service representative operated with even half the care, precision, and dedication that Annette shows, the industry would be a better place. I can't recommend Annette enough--she is an absolute asset to Challenge Financial and a true gem in the world of customer service. Her professionalism is beyond compare, and I am endlessly grateful for the outstanding support she has provided. Challenge Financial, with Annette on their team, stands as a beacon of excellence in the industry. I wholeheartedly recommend their services and cannot speak highly enough of Annette's phenomenal work. read more

Hi Everyone, My name is Armando . I just want to give my overdue but heartfelt thanksgiving and appreciation to the awesome officers and staffs of Challenge Financial Sevices at Chula Vista location ( of course , special mention to Ms Julia Najera and her Mgr . Ms Aliza Franco) . They really use their meticulous head in reviewing my application but at the same time make use of their compassionate heart to approve my loan. I paid my monthly dues in 4 months then God opened another door for NFCU to refinance it. But it won't be possible if Challenge Financial Services closed their door for me at the very start. Ms Julia and Ms Aliza simply demonstrated what their company's reason of existence... And that is to cater and to give hope to the financially ruined human being like me , who wanted to see hope of seeing the glimpse of light , at the end of the long dark tunnel . The people that was bombarded by all hell breaking loose to their face , be it by their own wrong decisions or circumstances beyond their control. The ones that commercial banks and credit unions never even wanted to even read the loan application after seeing their credit scores. What they really do not know is there is a principle of God in the Bible that says.... " Lend to the poor who can't repay you for your kindness , and by doing so ... you lend it to the Lord God ( because he was the creator of all human beings ) So my tip , be honest to your application from the start and let their "yes" comes to you by surprise with a key to your long awaited car . Of be responsible on your account and should there be future problem why you will be late , call them and say your reason . No more game of hide and seek because what Challenge Financial Services gave us is like a big "Grace or Gracia " ( a mercy that we don't deserve , and a kind of mercy that only few can give aside from God . So pick up the phone and call Challenge Financial to see which dealership works with them and go from there and experience your miracle . God bless us all read more

My name is Donna Hoover I make my monthly car payments to challenge Finanial. My ACCOUNT REP: is Mrs. Julia Najera. miss Julia has been kind,understanding and willing to work with you as long as you're upfront and honest just recently I've been put on modified duty at work from my doctor. I bought my car back in February of this year I was making my payments, and then I was told that I had a severe case of arthritis in both of my hands, which jeopardizing my job and my income I own a house. Also people like Miss Julia should be appreciated and well deserved for their hard work and she is one of them. I do appreciate everything she has done for me and continue to do and only talk to her, some companies in this world don't care about anybody else gets them selves in their company and want their money. I have to say I come across a lot of people in this world and she is not one of them. She is compassion and can't find other words to explain how well she has helped me out in my life so with that miss Julia I appreciate you and everything you've done for me. Thank you very much Donna hoover. read more

This is my 2nd review for Challenge. I'm so happy with them that I had to write another one! I recently had some unfortunate circumstances and Mark Florez has been not only understanding, but going above and beyond to help me get back on my feet! I have nothing but praise for him as my account manager and as a person!!! A stellar individual and I appreciate your efforts, with no judgement!!! Roger (assistant manager) approved my new loan and I appreciate you believing in me! I feel like I have new family members and I'm happy that I'm part of the Challenge Financial family!!!! I have nothing but praise, respect and trust in Challenge Financial and especially with Mark and Roger. Join the Challenge family, you wont regret it!!! Thank you!!!!! read more

I hate the whole banking industry and I am not fond of finance companies at all. But the service I received from Challenge Financial Services was not bad. The representatives who have assisted me with my account, including Bryan, Rafael, and Victor, have all been very professional, courteous and understanding. Im a single mom and far from wealthy so during several months when I was struggling financially, they gave me affordable options within my budget and I appreciate that so much. The interest rate on my vehicle was surprisingly reasonable given my credit history and now I'm just about done paying off my car note. I am very pleased with my experience with Challenge Financial. Thank you! read more

Challenge financial came through for me in a big way. Back in January, I lost my vehicle in the flooding here in San Diego. Julia worked with me and made sure I got approved and was able to get another car without any trouble. She was then and is still very professional and communicates with me and has taken any concerns I have had and made sure they were addressed. I highly recommend to anybody who is in need of a car and doesn't have the best credit, to reach out to Julia Najera at Challenge Financial. Thanks for turning a bad situation into a better one Julia! read more

Hola buenas tardes mi especial y un gran valor y un atención muy buena con Julia Najera es una buena representante q te atiende bien yo tengo ya 5 años q la conozco es una persona noble buena inteligente q te ayuda con los papeles de autos y muy bien para y no tengo mas palabras para agradecerte Julia Najera es muy buena representante para sus trabajos de sus negocios de challenge financial services - Es la. Mejor persona q siempre me atiende. Y muy bien tiene mucha experiencia y una actitud positiva muchas gracias por estos años Julia Najera read more

5 star to Julia Najera, i been with challenge for about 2 years, currently have 2 cars finance thru her . She has help me out with all my questions, any problems i have with my payments or any payment arrangements she is willing to help me. Luckly finished paying off one of my cars and Wow she was so attentive to my question needs, sending me my payment transcript and keeping me updated with my balances Absolutely Great customer service, easy to work with, Friendly, Great Manners. And 100% will recommend her services as a car finanance agent. read more

Mark F. at Challenge has been very good to us. Always efficient and returns calls or emails promptly. He has always tried to save us a buck due to interest on late payments. He was great at helping us with our due date change since our payment landed on the 9th of the month and every month we were paying a little later. He explained everything in detail and helped resolving this issue. If you get a chance to talk to him he is very polite and professional on the phone. Always makes you feel comfortable and tended too. Good job Mark! read more

Challenge Financial has been heaven sent. When I was going through a divorce they took a chance on me. They are always willing to work with me when "life happens." Everyone is knowledgeable and have been very professional. Bryan and I have built a good rapport. He has gone above and beyond. His customer service is excellent. I've never had such a positive and friendly experience with a company. I would recommend Challenge Financial to all my family and friends. I appreciate all they have done, and continue to do for me. read more

I've been paying for my car thru Challenge Finance For About 1 yr & a half. Mark has taken really good care of me since day one. He's always checked up on me and the car, take one more step to make sure I'm happy with my vehicle even when I was late on payments he works with me as long as I keep my promise. I can recommend this company to anyone and promise they would be satisfied. Mark. Thank you for all have you done much appreciated I'm looking forward to doing more financial services with you!! -Shawn A. Schmitt read more

Julia Najera es una excelente representante de esta compañía de Chalange financial en los 2/ 1/2 años que tengo con ustedes ella a sido una excelente asistente para la clientela siempre amable siempre profecional y muy educada con el servicio al cliente gracias por el tiempo y su ayuda para aser mojor los servicios de la compañía gracias Chalange finalcial por tener los mejores ejecutivos a tendiendo a los clientes sigan a delante yo siempre recomiendo a mis amigos con ustedes gracias sinceramente Ileana Rebolledo read more

I am very happy with Challenge financial they are all about helping people especially Julie Najera she is so helpful and really works hard to make sure you are heard she has helped me so much as far as my payment when covid hit I was scared that I would loose my car but Julie went above and beyond to help me she is a huge blessing !!! I don't know if pay rate reviews are due but if they are Julie deserves one!!! God Bless u Julie && thank u so much for everything you have done for my family and I - Norma Perez read more

This Company goes above and beyond to help you out. My account rep Julie Najera is always helping me out. They are very understanding and treats you with so much respect. I recommend this company very much if you are going to get an auto loan. Till this day I have not had any problems with them. I'm about to be a 3 year customer. And I'm truly happy with them. If you need a specific rep. Ask for Julie Najera. She will help you out and will do everything in her power to get you what you need. I recommend it. read more

just wanted to advise that i have been so lucky to have a great agent as Mark Florez. He is wonderful and provided me with 100% great customer service. Mark is honest, always listens and provided solution if any issues come up. Mark is make the time and cares for each customer and there needs. This has been the most friendliest, professional, caring and honest Agent i have ever had and i would recommend to ask Mark Florez if you are going to get financed by Challenge Financial service read more

I have being a Challenge Financial customer since 2017 and have experienced nothing but great customer service. Victor has being my representative for the past two years and is extremely understanding of people's needs and life situations. It is always very pleasant speaking to him about my questions and concerns. I can keep going on and on. Victor thank you so very much for being such a polite, professional and always going out of your way to make this Car Loan such an easy process. read more

The best decision I did 2022 getting a services with Financial Challenge. My agent Julia N, super nice person real professional and always looking to provide me with a excellent experience every moth . I personally enjoyed the great family Challenge Financial services on special occasions like my birthday wishes. Any person with that type of professionalism give you the Financial trust to continue with the services. Fully recovered .... Truly Customer Patricia Idan. read more

The Team at Challenge Financial Services has shown me great care, concern, and support in working with me and my car loan over the past couple years. I had a family member that became very ill and it required me to leave work temporarily to help care for them, and the Challenge team worked with me to address this situation with regard to adjusted payments that allowed me to properly care for a loved one. I will always be Grateful for their assistance and support. read more

I got a loan through challenge financial about a year ago. I dreaded talking to my loan officer because I wasn't sure if they would be a pleasure to work with but in the last year I was assigned to Mark and it has been amazing. I always look forward to speaking and working with him. He's very helpful, understanding, funny and compassionate. I look forward to continuing business with Challenge Financial. Thank you again for what you do MARK!! You're the BEST! read more