I recently got my car taken, for being 3 weeks late. I immediately looked up the laws of California and started to investigate. My next payment was not due until May 7, 2025, I kept in constant contact with the finance company to let them know that for our spring break we are not paid and that my scheduled payment would be a little late. After I came home for the evening on Friday May 2, 2025 and woke up the next morning and my car was gone. I knew according to the laws of california that the company had 48-72 hours to inform me of the seizure. I knew the finance company would call me, which they didn't. On Wednesday I called them and was informed that my car was seized and they wanted a double payment $408+28(late fee)+$408 in addition to late fees, repossessing fee and I needed to contact National recovery and I would have to pay them $455 plus daily storage fees. I did not receive notice of seizure until May 9th. The company is in LA. The recovery company took my car to Los Angeles. When I spoke to On time Financial the total was $1200. She did not mention the car was taken to LA. I recently reviewed my contract and Kars PLUS added a vehicle on my contract as a trade-in and It was owned by a finance company. These people know it is difficult to retrieve a vehicle with all these fees especially if I was slightly late. But they make it nearly impossible to get the car back. These people have done this to countless people and it is time for them to be called out on their deceptive practices. read more

i called to ask if i could be a few days late on my payment and without hesitation she said no problem. i've seen some of the reviews from others and didn't have any of their problems with this company. very happy to have my loan through them. read more

Trying to get help with my recently deceased mother's vehicle that has a lien with with this company. Ferdinand repeatedly tried to get me off the phone without helping. He finally said he would get in touch with his legal team and follow up after I refused to accept his attempts to dismiss me and my inquiry. He called me back a week later and said they are not interested in helping me because they have broken even on the deal and are not losing any money & that I need to get a lawyer. I explained I am in another state and the car is in possession of someone who my mother (the owner) had a restraining order against. I stopped expecting any help from Ferdinand or his company when he responded with "if that's true...." Horrible service and lack of empathy from this "manager." read more

Horrible place to finance a car through, they could care less if you are a few days behind, they will have it repoed. Frank is rude and uncaring. Horrible manager and worse customer service. read more

This company is a joke,,MONEY hungry scumbags wont stay in contact with you lock you out of computer so you are not able to get on their website,,half day late on payment repo my car then charging me ridiculous late fees,FRANK is a rude thinks hes the smartest..never use this company for anything.. BBB is getting notified about this worthless company read more

Worst finance company!!.. Never willing to work with customers, even through this pandemic they have no heart and consideration for others but themselves. DO NOT FINANCE HERE. Very rude staff read more

They sell you a lemon that breaks down EVERY so often. Then repo your car BEFORE one month has even passed EVEN THOUGH you paid on time for an entire year and they NEVER reported it but they'll quickly report the repo to the credit bureau. THEY ARE SCAMMERS read more

I would not recommend this place to anybody this places not a real business the manager and the lady said answer the phone are rude and do not know how to run a business at all. They are super money-hungry I was on the turning away I simply let them know that I will be paying my car on the 1st of January which is a week away but the manager wanted the money now and this is my first payment I ever missed next thing you know the car is being repossessed it's December 30th 2017 and I think that's a little ridiculous I would advise everyone not to ever do business with them go somewhere else that knows how to do real business properly it'll save you time and money they don't care about you or your financial situation even if your 5 days late on your car I have never heard of No Place doing that other places will work with you but not them. read more

I have to give another bad review after just speaking to the rude receptionist their customer service is horrible they have zero understanding for people having hardship especially during these times their staff is unbelievably rude including the supervisor I will be so glad when my car is paid off in the next 2 months mind you I have never missed a payment if I had seen all the bad reviews for this company I would not have got my car financed through them I had to rate them but in reality no stars given read more

Thank you Ontime Financial! This company took a chance on me and I couldn't be more pleased. They reported my timely payments to the credit agencies and now I have an EXCELLENT credit score!!! Whenever I called in to make my payments the ladies were gracious, personable and genuinely happy to help. Monique even wished me a Happy Birthday ! I had to laugh at the negative review on here......Hey Lady........if you make your payment.......ON TIME......maybe you would have had a better experience......just saying. All in all.....I just wanted to say Thank You to the entire gang at OTF. I am a VERY SATISFIED CUSTOMER. OUTSTANDING. read more

These guys are pieces of shit they lock me out so I can't pay them, but it's hard times here during the pandemic but they don't give a shit all they care about is money even though I can't work! This lady is rude I'd fucking strangle her if I knew who she was! read more

They only got one star because I couldn't give them 0 this place is crooked as hell and I hope they get investigated for fraud i wouldn't recommend a soul to this place the rude Latina that answered the phone was very unprofessional she hung up on me and when I called back it just rang I don't understand why someone would make it difficult for me to pay them completely ass backward business read more

Yesterday I had the worst experience with this company. I say company because workers reflect their company. I called to ask for an extension. I got denied because of policy, which is fine, but I also spoke to the most rude representative. Instead of explaining the policy, she continued into saying personal things like "Well you have family, and friends. Borrow money from them" I kept telling her no, I do not. Because I really don't. She was beyond rude. Continued the conversation in that direction, which is very unprofessional. And when I finally had enough of that I said (not yelling, not raising my voice) "maybe you have friends have family, but I do not. Thank you for the judgement..I will try to see what--" and before I was done with the sentence, I heard a click. She hung up on me!!! She hung up on me after SHE was being rude. I am still dumbfounded by the fact that that happened. That conversation was completely inappropriate and unprofessional. Worst customer service experience ever. I know I was late on my payment, but no one, absolutely no one has the right to be that rude to a stranger for no reason. I will continue with filing a complaint on his worker. read more

Giving one star because this is the lowest possible. They women who answer the phone are so rude I seriously considered pulling up to the damn office and putting hands on them. I traded my car in just to get rid of this financial institution. I'm so serious! The worst possible financial lender not to mention the disgusting daily acre-wing rates that had me paying double on the vehicle. Words can't explain how shotty this place is. Stay away! read more

Could I give a negative 5 stars? This must be the worse place of business I have ever had the misfortune to conduct business with. The women who work the office have either never received any training on how to provide customer service, are misrable people who need some happiness in their life or BOTH. I was told they were too busy to look for my title and that they had other things to do. They dont care about and dont want to bother with their customers. They have already successfully financed a car at exhorbadent interest rates that they hope their customers default on so they can repo the car and sell it again. Why on earth would they want to help their customers with anything else?! Owner of this business obviously does not care, otherwise he would have made an effort two years later after the last negative post to make a change. What he cares about is lining his pockets. I would only recommend doing business wiith this establishment NEVER. read more

This place is the worst! No good service. Very shady. Connected to Kars Pluz and they are shady. Do not trust these people.

The office personal is astonishing out of this world the most horrible people ever! They literally told me they aren't there to work with people going through a hardship. They literally lied about the process to get the car out of repo, so that it had to stay in 3 days longer. They flat out told me that helping people who cannot pay their bills or are having a difficult month isn't a priority for them, and therefore don't feel they are obligated to return calls or give accurate information. It isn't their place to judge people. That isn't what they are paid to do. Or is it? Literally late 1 time in 3 years. I am talking wasn't even 1 day late in 3 years. Got my car back because I called another bank who was just as disgusted with their integrity as I am, and helped me get accurate information on how to get my car out before it was there another 3 days. We are also following the proper chain of command to make sure this company is recognized by the proper authorities for their corrupt behaviors. read more

Overall never had issues with this car financing company but a certain rep by the name of Karina definitely does not provide good customer service. People do go through financial hardships and as far as I knew communication and understanding helps both parties. I didn't call her to have her tell me how to manage my finances or have her figure out in what I spend my money on. I called her for assistance and instead I got a yelling person on the other side of the phone who left me on hold for 7 minutes. I had to recall and speak to the supervisor! Now I understand that they are a company but if you want to get good ratings and referrals then you should hire compassionate and qualified representatives with good customer service not shitty people who only care about their sales or numbers. People do face financial problems it is real life. All I know is that once I'm done paying this car loan I will never finance through them even if ya free! read more