I typically don't reply to promotional flyers but after doing my own research on replacevehicles.com, we decided to give it a try. After talking with Jeff, it was easy to see why he has so many rave reviews! He walked myself and my husband (in 2 separate phone calls) through the whole process and what we can expect. After our initial call on Thursday, Jeff presented me with the perfect car on Friday and we picked it up Saturday morning. Certified Pre-Owned 2022 model still under warranty with no money down, no haggling with the Dealer, just a simple in and out process. Jeff managed the process from start to finish and made it as simple as could possibly be. I highly recommend giving him a try and have already referred several people to his services already. I never imagined I would be able to purchase such an amazing car, at a great rate, but Jeff made it possible. I will definitely be using his services again in the future. read more

I had a conversation with this guy and I see that someone had the same experience as me way back in 2017. He's giving you a "free education" and gets indignant when you question him. Do your homework people. Ask questions and explore all of your options. Don't allow anyone to tell you what "won't" happen and what you "won't" have or be able to do. Those are global statements and bordering on if not outright scare tactics used to steer you in a particular direction. No one person or business is your only option, BK or not. They may simply be the first to send out their mailers. He presumes to know what I wanted to hear when he only knows what he wanted to say and sell * And I wasn't buying UPDATE: ** And just line another poster from 2019, I too am being harassed via email after this review. And again, I have notified "Yelp" ** read more

I am so over joyed and so very thankful because I have never ever in my car dealing life walked into a wonderful vehicle purchase, no strings attached and no hassle, no stress and no time wasted. Mr Jeff Cohen was the best sales broker I ever met. He watched over the dealers until the end to make sure that our deal stuck. He was honest, thorough, super knowledgeable, with superb costumer service skills thru the entire process...he always had my best interest at heart . Excellent vehicle quality and excellent value. My budget was breathing because I was delivered from an upside down car deal that I had. Thank you Jeff for rescuing me. Bless you read more

Jeff is a master at what he does! As someone who was super new to purchasing a vehicle on my own, he made it so easy. He was able to have my desired vehicle delivered to me within the same week of me contacting him! If you're needing specific solutions given your financial circumstances, he is the one to call! I highly recommend it!! Thank you so much Jeff!! read more

Whatever Jeff says he will do he does. He does not waste your time. Had everything ready to go when I arrived and I was in and out within an hour. The loan funded the very next day and I was into a much nicer car than I had before at a lower interest rate. Can't beat that! read more

I am fresh into my bankruptcy filing and didn't know what to expect. Jeff took the time to make sure I understood what the process looked like for me to get into another car. I appreciate that I was afforded the opportunity to get what I wanted and not settle because of my financial situation. Jeff made it possible for me to get my 2023 Ford Explorer and I absolutely love it. Jeff also extended services to help me refinance in the future so that was a bonus. Great experience and would definitely recommend. read more

I had an amazing experience with Jeff I walked out with a 2025 Altima no money down. Such an easy smooth experience. 10/10 would definitely recommend read more

I recently filed a BK and needed a car I found Jeff and he took care of business he told he could get me into a vehicle with no money down and guess what he did just that and he did it in 1 day you need a vehicle with a BK contact Jeff thanks Jeff for everything read more

Jeff was awesome. It was very patient in my process. He got back to me fast when it came to response times. And he always tried to give me the best deal. I already have recommended him to my family and people going through certain situations like bankruptcy, etc. it's a really fast process and I'm happy. I got his letter in the mail. I'm really thankful I found him and if you Need a new car and a similar situation, I definitely recommend him. read more

Jeff's an auto financing genius. I met him in the fall of 1997, and he has helped me out when none other could. This is the ninth vehicle he has financed for me. I called him on Thursday afternoon, and he delivered me a Brand new 2025 model of a beautiful vehicle Saturday, afternoon. Incredible. And to add to it, he got a brand new 2025 model vehicle for my older son the next day at an incredible rate. He has a monopoly on my automobile buying business. He provides excellent customer service, and his financing options and rates are unbeatable. read more

I recently filed bk and needed a new vehicle. I had been searching high and low for a loan that was "fair" and didn't give me a horrible interest rate. Jeff sent me a mailer and I reached out with low expectations as I've had so many empty promises. Jeff worked with me for weeks and answered all my questions until we found the vehicle and loan that was perfect for me! He recently came out of retirement after a few years and I am beyond grateful that he did because he made this car buying process easy, painless and stress free! He held up to exactly what he told me that numbers would be and got me in and out of the dealership in an hour! Thank you for working with me Jeff! read more

I recently filed for bankruptcy and was having a hard tome getting finances for a vehicle. I tried my luck with Replace Vehicle and Jeff pre-approved me for a 2018 with $500 down. I initially thought it was a scam because he got me approved so quickly. Jeff is an awesome person to work with and the whole staff is amazing. I have referred a few people to him now that need an honest person to do business with. The prices are fair and the cars are awesome! I'm totally recommending that you allow Jeff to get you back on the road. read more

Replace Vehicle - My baby! My early BDay present that I call Midnight. - Auto Loan Providers Near Me - Laguna Beach, California

See all

Getting a new car especially having a Bankruptcy on file is very difficult. I got a letter in the mail from Jeff and I thought it was just some typical Loan companies so I ignored it at first but because of curiosity i ended up googling him. Reviews looks like legit so I decided to contact him thru email. He replied quick and told me all the options I have straight forward. We contacted mostly by email, no calls at all. At first he offered me a car with 0 down but I'm still hesitant since I'm still waiting for my 341 meeting just to make sure so I told him not for now and he understands. Long story short after I had the meeting, I got the go signal from my Atty that I can get a new car. I ended up getting a new Kia K4 2025 with the color I like, I messaged him Morning then the dealership delivered it to my by night the same day. I highly recommend Jeff for anyone who's going thru difficulties getting a car. read more

Hats off to Jeff Cohen. He is professional, accurate, efficient, and never promised anything he didn't deliver. If you seriously want to replace your vehicle, call Jeff today. Shirley Pearson. San Diego read more

I cannot believe the actions of this man. He promises three easy guidelines for a guaranteed loan, then when you give him your trust and business he comes back and says you are denied and has no reason why. I told him I met every single qualification touted on his website and mailer and he replied "I do this every day for a living. It is what it is." He had no real explanation and stopped responding completely. I went to BBB and DBO and instead of maturely handling it, I get my email inbox BLOWN UP with emails from him demeaning me and yelling at me!!! This is absolutely unethical and awful business practice. DO NOT TRUST THIS MAN! read more

I was able to purchase a 2016 Toyota Highlander with a 30,000 mileage thanks to Jeff. Words cannot explain how grateful I am towards his program. After been turned down a couple of times and losing hope Jeff made it happen. Jeff was polite and always responded to my emails on time. He always kept it 100 and after wasting his time the first time he helped me the second time around with no hesitation. Thank you, Jeff, you are appreciated. read more

So happy with my experience! Jeff was so helpful and made the whole process very easy and painless! He was able to find me a great car in my price range and was able to help turn in my old vehicle for a great price!!! I couldn't be happier! Thank you Jeff!! read more

It's been a year and I'm still waiting for my car mats and free oil changes that were promised. I now wished I would of pushed him to find me a Subaru. He talked me out of it but the Ford I purchased is now giving me engine issues and the car is no where near 100k in mileage. Since he didn't fulfill his promise and the car is now giving me a lot of issues, I won't be recommending anyone to him! read more

Working with Jeff (Replacevehicle.com) made my car buying experience a breeze. I definitely recommend using his services. He is honest thorough and get things done fast. He lets you know up front what rate to expect and then finds the perfect vehicle to your liking. You do not have to hassle with sales people trying to get you into a car you don't like at a higher rate because of your bad credit. read more

There are not enough words to describe how nice Jeff was to work with. Jeff was easy to get in touch with and he walked me thorough every step of the process. When I got confused we spoke on the phone and everything was explained in detail. I gave Jeff my wish list and after a few emails between us he let me know he found the car I was looking for. He immediately sent me photos and the deal was completed within a few days. I met him at a dealership and he had already competed most of the paper work. We went for a test drive and I loved my car. The entire process at the dealership lasted less than an hour before I drove my car home. When it's time for another car I will contact Jeff immediately. Jeff deserves the highest rating YELP has he was amazing. I have already recommended Jeff to my friends and family. Cindy F. read more

I am a legal assistant at the same bankruptcy law firm for 9 years now. We have referred many debtors to Jeff when they need a new car. Of all the people he has helped I have only had the best feedback about Jeff and ReplaceVehicle.com. Never a complaint. So when it was time to purchase a new car, I trusted Jeff 100%. I called him on a Wednesday, let him know what I wanted, I believe my words were, "something old, used, small and affordable." I gave him my budget and told him I am a single mom, and super sensitive with my payment ( I know my budget). Thursday he emailed me with some options, interest rate, term, car photos, etc. On Saturday morning I met with Jeff, signed my agreement and left in a 2018 Nissan Altima. My car is more than I expected; it is not old or small, it has 12k miles(barely used) and with affordable payments within my budget. You are in good hands with Jeff. read more

So I filed for BK but had a Fair.com car so I thought things would be good, WRONG!!!! Fair stopped taking our payments so I went on panic mode because I can't be without a car. Received Jeff's letter in the mail addressed to my husband but I went online and started my application. Sent him all the information he needed plus my specific car request (I'm kinda picky) within 24hours he found the perfect car with all my asks and some I didn't even include cause I felt guilty about it. I have a brand new car with 45 miles on it!!!! So, so very happy. He said it was a fluke to have found this car but I am so happy that I went with Jeff because others wouldn't be able to get me anything until after the Bk discharge. If you find yourself in the same situation I recommend Jeff, if he can't help you then no one can read more

Jeff was great. We spent a week or so over email narrowing down cars that would work for my parameters and that Jeff could get the right financing on. I was patient and let Jeff do his thing. I learned a lot during the process and I ended up with a beautiful 2018 Camry and I love the car. I spent about an hour at the dealership and then I was out of there. Jeff works hard for you and he is very good at what he does. I am very thankful that we connected and everything turned out great. Jeff is very responsive over email, which was perfect because I am on the phone most of the day. I am looking forward to buying my next car from Jeff! Thank you! read more

I got to work with Jeff. I am impressed beyond belief about how smooth the process was and how I was treated. Jeff promptly returned all my phone calls and emails. He got me everything that you I wanted. My new vehicle is wonderful. I would like to Thank Jeff for his hard work. I plan to purchase a future vehicle from him. read more

Jeff is the real deal! He is honest and professional and really goes out of his way to find you the perfect vehicle within your price range. This was the least painful car buying experience I've ever had. No pushy salesman, no bait and switch. Everything up front so you know exactly what you are getting without the drama. I think I spent all of 45 minutes at the dealer! I wish I could give Jeff 10 stars! read more

Highly recommend Jeff to help with auto loan financing. He was able to get me into a very nice car after a bankruptcy and also helped me refinance a year later. He's very straightforward and honest, which is something you appreciate in the car business! read more

Go straight to ReplaceVehicle.com, and especially Jeff Cohen. Like many I had never gone through Bankruptcy and had no idea how to navigate the tricky waters of post discharge financing (in general). Multiple dealerships were offering me post-CH7 financing, I didn't know who was credible or which positive reviews were real, it was a scary time. Meanwhile the clock was ticking on my car that I couldn't save and I had to make a decision. If anyone is in a similar situation, please do yourself a favor and *trust Jeff*. Regarding the vehicle - I thought I knew what I wanted (I am a very decisive person LOL)... but honestly in this case, he ended up finding me: 1. A better car than I would have picked for myself 2. Some great bonuses that were just icing on the cake 3. A deal I can afford for this first year plus! I could not have asked for more. Every single promise he made came true! Today the financing co confirmed that the financing was approved, so after a long journey I'm really happy to post this review and tell you - if you are wondering, like I was, is this too good to be true? The answer is, it's not, there are good people out there doing good business still, and Jeff is one of them! read more

Jeff was great. What I thought would be impossible in my situation, Jeff made it possible. After filling out the app on the site and a few emails of finding out what kind of car I needed, and showing me my options, within a few days I was in my new car. It couldn't have been any more simple. All of the dealer paperwork was already filled and ready to sign by the time I got to the dealership. I checked out the car, drove it, signed, and I was on my way. It all took no more than 30 minutes. And if you've ever dealt with dealerships before, you know how long it usually takes. He saved me so much time and hassle, and I woudln't have had it any other way. read more

I had a great experience with Jeff at Replace Vehicle. From my first contact everything was clear. Jeff asked me some questions and with in just a few days I was at the dealership picking up my new car. It took less then an hour! I would highly recommend this company and Jeff . read more

If you're looking for someone to help you through the pains of a car purchase, you definitely want to get in touch with Jeff Cohen of REPLACE VEHICLE. In our case, with a lot of poor (financial) decisions in our past, it was such a blessing to have Jeff find us a nice used vehicle to replace our former vehicle we purchased new some 4 years prior. Believe us when we say we didn't make it easy on Jeff either but he worked diligently, without waiver, finding just the most perfect-for-us vehicle EVER. He did everything from A to Z from beginning (locating possible vehicles we'd be interested in) through to completion (getting the financing for us and putting us into the chosen vehicle). He's not only knowledgeable but he's fair to boot - a really nice person and a pleasure to work with. If, like us, you need something to FINALLY GO YOUR WAY, you won't go wrong with REPLACE VEHICLE! read more

EVERYTHING AS PROMISED!!! Jeff was great from the start. He never made a promise he could not keep. He was very helpful in explaining the process and had everything ready for me before I arrived. I knew what I was walking into there were absolutely no surprises. I now have a new car with a note I can afford ... and someone I will work with in the future. read more

Omg.. The greatest experience working with Jeff. I was done in 30 minuets and I love my car. I will definitely be back.

Jeff is the bomb. What you ask Jeff for, he gets. No hassle, everything explained in the order in which it happens. Straight no chaser. I was In and out the dealer in 45 min max. read more

I am so thankful for Jeff. There are not enough words to describe him. Helpful, through, efficient, understanding, honest and integrious are just a few words that come to mind. What I thought would take years or a much higher interest to accomplish, Jeff did in just a week. Straight with no chaser, the whole process took under 30 minutes. He's upfront, won't mislead you, and definitely won't waste your time. I would highly recommend him. He's the best! read more

Beware when you get this mailer. Jeff makes it sound like he is your hero coming to your rescue. In fact he purposely leaves out of his brochure and letter the most basic of information: income requirements. You end up submitting all your info only to find out your short on monthly requirements. Big waste of time. When you question Jeff he gets all indignant and professes he is giving you a free education. He says I am not making any money but your getting an education. Please the only one who needs to educated is Jeff on how to advertise with honesty. read more

They were very helpful in explaining every step along the way. The car I requested was waiting for me when I arrived. After a test drive all the paperwork had been prepared in advance. Other dealers kept telling me that my situation could not be dealt with without very high interest and a six month wait. Jeff helped me right away with a reasonable (above average but not astronomical) interest rate. The car was under warranty. Whole thing done in under an hour. Highly recommend read more