NEVER EVER LEASE with Southeast Toyota Finance (SETF). After 3 years of perfect payments (early payments every month) and paying off our lease early in a lump sum, including the $350 end-of-lease fee (which we don't know what that was for), SETF screwed us over. In January, we turned our vehicle back to our nearest Toyota Dealership as per their instructions since we moved out of state. We were told their inspection company couldn't visit us for 30 days, so they advised us to go to the nearest Toyota dealership. A Toyota representative inspected our vehicle. All paperwork was satisfied, signed, and documented with a Toyota rep on the phone while at the dealership. We thought all was good. 2 months later, here we are in March, and we learn through Credit Karma that there is an ADDITIONAL $1,100 OWED!!! We haven't received anything in the mail about this so it was happenstance that we came upon this news. We called SETF on 3/9/2026 and were informed that there was damage to the vehicle!! Keep in mind that we haven't had this vehicle in our possession since the beginning of January, when we turned it back to the dealership as SETF advised (and we got a text confirmation in January that we've satisfactorily paid the lease fee, which concluded our lease liability in January 2026). During the inspection from the Toyota dealership in January, the vehicle had absolutely no damage to it. Upon calling SETF on 3/9/26, we were told, " SETF is separate from any dealership, and the inspection was invalid." Then we were told that we were liable for $1,100. After explaining the situation to the representative several times, we could see that there was no way to fight these extortion fees. Remember, we turned this vehicle back into the Toyota dealer PER THEIR INSTRUCTIONS, and 2 months later, we get an additional charge of $1,100. Ultimately, we paid the fee to put an end to this once and for all because how is the common man supposed to fight a giant corporation like Toyota? You can't. I will share my experiences with everyone I know and those I don't know. We will never buy another Toyota product due to their LACK OF ETHICS IN BUSINESS AND EXTORTION TACTICS! Thanks for nothing, Southeast Toyota Finance. It's no wonder you have a 1.6-star rating on the Better Business Bureau. read more

This company is a finance company and deals with warranties. I bought a 2026 supra from AutoNation Toyota Pinellas Park that costs near 70k and within 6 months and less than 2k mile the seats topcoat failed and has flaked and discolored. Its 100% a manufacture defect but STF wants me to pay $400 to have it replaced. Absolute scam of a company and I'll be moving my loan away from them and never buying another Toyota car again. Instead of fixing this for $400, they'll be losing close to 10k in interest from me. Hope it was worth it. dealing with the dealerships constant lying and poor professionalism and 10+ hours on the phone with the corporate brand office, I would never get another Toyota. RAS authorization: RAS088443897 read more

Southeast Toyota Finance - Failing leather on a 2026 brand new car - Auto Loan Providers Near Me - Mobile, Alabama

I would never use their finance company or services again--false promises-very difficult to address problems online or over the phone. Bad service at 5ge dealership too! read more

Although the automated system is outdated and frustrating and their ability to help with issues is minimal. I'm just gonna give a shoutout to Amber. The call center rep. She was the main rep I worked with during my hardship and she was forward, stern, but also caring. She was informative and made sure I understood exactly what was happening and above all helpful and calm even when I wasn't. If she isn't already a manager, please promote her. read more

worst ever! my uncle passed away and the car has been grounded. I sent them a death certificate- they sent it back!

The process for paying off a vehicle is catastrophic!!! The SETF website says it can take 15 days to release a title.. My vehicle was paid off a month ago and I was told today that it could be another two weeks. These prolonged delays are getting really expensive when I'm ready to sell this vehicle and eating DEPRECIATION and paying insurance on a vehicle I no longer need. BE BETTER SETF. read more

I would like to share my experience with Toyota Financial Services regarding the handling of my auto loan after my vehicle was declared a total loss. I was involved in an accident on December 22, 2025. My insurance company issued payment to Toyota Financial Services on February 2, 2026. However, Toyota Financial Services did not forward the necessary information to my GAP provider until February 26, 2026. During this time, I contacted Toyota Financial Services almost daily seeking updates and clarification. Unfortunately, I received inconsistent and conflicting information from representatives. The primary response I received was that payments should continue to be made on the loan. Given that most financial and insurance communications are processed electronically, I find the delay of several weeks in forwarding the required information to be concerning. This delay has caused unnecessary stress and uncertainty during an already difficult situation. I believe the handling of my account could have been significantly more timely and transparent, and I hope this feedback will help improve the process for other customers in similar situations. read more

Basically their customer service is only to tell you that you have to go through your online account and do it yourself.

My name is Beatriz Elisa Hance Lopez, writing on behalf of both Jaime Hance Lopez and myself. We currently lease a Toyota Corolla through Southeast Toyota Finance, and our experience has been extremely disappointing and damaging. Southeast Toyota Finance wrongfully reported a repossession on both of our credit reports, even though our account was brought current. We never received any official documentation or repossession notice, and every time we contact customer service, we are passed from one department to another or told, "We are legally in the right." To make matters worse, a second account was opened under our names without our authorization, and no one at the company has taken accountability or offered a resolution. This has caused serious harm to our credit and finances. We have also learned that Southeast Toyota Finance suffered a major data breach, and that customer information -- including personal data -- has been leaked and is being sold on the dark web. This is an alarming violation of customer trust and privacy. It's also important to note that Southeast Toyota Finance has deleted previous customer reviews that mention this ongoing data breach. It appears the company is attempting to suppress consumer awareness of the situation and avoid the legal accountability that may result from it. Consumers deserve transparency, honesty, and protection of their personal data -- not silence, denial, and deleted reviews. Southeast Toyota Finance needs to take responsibility for its actions, correct the wrongful credit reporting, investigate the unauthorized accounts, and notify all affected customers about the data breach read more

I am counting down the days until I can refinance my car so I never have the displeasure of dealing with this shitty company ever again. I got an email notifying me that my payment was late, even though I had autopay set up. I panicked and made a 1 time payment and then the autopay went through the next day. Nearly $800 TWICE. And when I tried getting help from them, it went nowhere. They had such strict parameters for acceptable documentation, and I didn't receive any email updates or any communication about the case. I only find out the document I initially submitted was insufficient because I happen to login and see a message indicating this. And then they'll send me a physical check in 7-10 business days when they can't be trusted to update me on my case? Hell no. I got the payment disputed through my bank. I log back on a month later and what do I get surprised with? There's a "block" or whatever on my payment method (presumably because of the dispute) that I again WASN'T notified about. And I was assured this will be corrected in 24 hours, so we'll see if I incur any late fees. The website is terrible and inaccessible, and the communication is non-existent and unreliable. This company is shady, a joke, and definitely doesn't care about their customers. read more

On 3/16/2026 sent via Fed Ex to this company's payoff department a check from Pentagon Federal Credit Union for the payoff amount of $37,155.99 along with the completely filled out & signed Pentagon Federal Credit Union's Authorization for Payoff and Demand for Certificate of Title as well as a second cashier's check for additional interest in the amount if $116.73. Received confirmation of receipt of Fed Ex on 3/17/2026 signed for by D. Verno. This company's collections department has not stopped harassing us with calls and email regarding our car payment being late! When I tried reaching out to the Collections Dept. after the first call on 3/19/2026, I was advised by a Lotonya Madison they had only received the check for $116.73! She stated to "wait 2-3 business days to see if the check for $37,155.99 was received! I requested to speak with a manager and after being placed on hold for quite a while, Ms. Madison advised Supervisor John Phelps is "trying to get his computer up & running" and will have to call me back. It appears this company uses predatory and unscrupulous methods to extend the payoff of their autos in order to accrue more interest. This is causing my husband and I a Lot of Stress. We are Hispanic seniors who do Not appreciate being put through this needless hassle by this company's completely disrespectful and and deplorable attitude towards its customers. read more

45 minute wait times just to make a payment bc the automated doesn't work and then you try to tell them about the system not working and they send you back to it read more

Horrible customer service. Rude persons working the phones. No one to take your problem to to attempt a resolution. Website is atrocious. Would give them a 0 but thats not an option. read more

I moved to a different state and when I moved they said in order for me to get everything I needed to switch my title and plates, I had to pay sales tax or they wouldn't give me a POA. I went ahead and paid sales tax thinking I actually owed it. I sent them $1200 and then they supposedly sent it to the state I was moving to. When I went to the title office in my new state they didn't understand why I paid sales tax because leasing companies are exempt from paying sales tax on transfers. I have called SETF many, many times to show them receipts and everything showing I owed nothing. SETF finally sent me a ledger of all of the payments I made. The ledger says that they sent the payment to a whole different state to pay the taxes but they still claim they sent it to the state I moved to. They won't even send me a copy of the check they supposedly sent to the state. I filed a report with the Attorney General here and SETF ignored them too. Not to mention when I first got the car, they titled the car in the wrong name even though the loan documents clearly had mine. They still won't return my funds. What a trash of a company. I would absolutely never recommend. They need to be held accountable for their predatory behavior. read more

Good afternoon my name is Dedria Newman. My vehicle is financed with you guys. I've currently already paid off one vehicle because I traded it in there in the recent aftermath of the hurricane that destroyed my home. I was told that I could get a deferment on my vehicle at least one to two months once I made an additional payment so recently, I made the payment as I was told called in for the deferment and now I'm told that you guys are not Doing anything for any hurricane aftermath or anyone who is in the state of an emergency. At this point, I will go ahead and let our governor know just to know how low of a company and how dissatisfied I am with you guys and how much you actually care about your customers because at this point I feel that you don't and if I could give your company a one star review, I would give it a one star review or below. Your customer service is beyond unsatisfactory unprofessional and they are very rude. I was bluntly lied to. read more

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BEWARE there customer service is terrible. I turned in my lease vehicle 7 months early and it has been over 2 months and I am still getting calls about payments being overdue and the paperwork not clearing, I sent all the paperwork and last payment as instructed. I was just on a call and told to call back to check in on Thursday. I have probably made 10 calls and this company does not care that I will sufer the back credit report. UGH! read more

Southeast Toyota Finance has some of the worst customer service ever experienced. They provided instructions and then after you've completed their request for information they change them. Then they delay the process of ending a lease-a ploy to get you to make another payment and make them more money. Documents get sent to them and they then take 2+ days to confirm whether or not they receive, in the meantime your left wandering, is the lease terminated or not. Go find another company to lease the vehicle with. You'll eventually need to end the lease and have to deal with their process which will be extremely frustrating and you'll need a lot a patience. The technology they use must be from the 19th century, there is much difficulty with tracking faxed documents, login data and other data for day-to-day operations. If you use this company, don't have even low expectations, so they won't disappoint. Dan C. read more

I can't stand the fact that SETF doesn't save my username and password, so frustrating! It's the only website I've used where you have to completely log in and get a verification code just to make a payment and half the time I can't make a future payment because the calendar won't let me pay any other time except today, ugh, and I just got this loan, have 4 more years of this aggravating system read more

Horrible customer service horrible navigation of phone system that doesn't have accurate information and rude condicending agents that speak over you and have no care. I owe 5 payments they won't work with me. read more

Absolutely abhorrent customer service. Vehicle was declared a total loss due to excessive hail damage, and while insurance was okay with canceling the claim, these vultures wanted to pick my bones clean so they stated that they can't do that. So now I'm out of our only vehicle because they can't help themselves. I'm sure a cutthroat financial institution like this would rob graves if they could get away with it. read more

Southeast Toyota Finance (SETF) is a horrible, rotten company to deal with from purchase to payoff. Because of this, I will NEVER buy another Toyota product. Honestly, Toyota Corporate needs to have a more active interest in how it's customers are being treated. Reaching them on the phone is a monumental task due to the never-ending menus and all the "security" checks you have to go through. Further, once you pay a car off, you no longer have access to any information on the dashboard for your account. This makes it impossible to get payoff info forcing you to call in and play the menu game. Come to find out they can't even email you the letter for "security" reasons (ironic since I had to go through all the other security measures just to talk to someone). They are anti-equated and outdated and now I am aggravated. Poor poor customer service. read more

*Beware* before you sign, consider the reviews. This company waits to process your payment so they can squeeze as much per diem out of you. I paid my loan off early due to how horrible their lending practices are. I paid a loan off on 4-10-24, and its 2 weeks later and cant confirm if they sent my overage back. Or cant confirm when they will send it back. Thats close to $500 they are holding to wait the longest to process my process. They far exceed most companies payment and payoff processing times, shady. read more

This company is by far the worst in the entire nation. They do not have the privilege of selling the Toyota brand. This financing center overpriced me on my trade in that I had good credit on in their "Loyalty Courage or Courtesy" program for a vehicle I kept in pretty good shape. But, they harassed me verbally over the phone through constant phone calls with triple the interest any lender would do and even a car payment that was 4X's the rate that anyone could afford. They deserve their collection department to feel as horrible as their customer service, the fine print, and their salesmen actually are since their cars are cheap, cost too much, and they do nothing for anyone when it comes to the pandemic. Nothing at all. God bless you for cursing yourself Southeast Toyota Finance. Cruciato. read more

I am very unimpressed with Southeast Toyota Finance. I made an honest mistake in setting up my initial automatic payment but corrected it as soon as I found out. They charged me $30 (effectively ~5% interest for a few days), although my bank didn't charge me anything. Their phone system when trying to reach them to solve the problem was horrible as well. I ended up talking to 4-5 people and was literally transferred around in a circle. read more

Unless you want to hire an attorney stay clear of these fuc***** basta***. Straight to the point. The first problem begin with Rick Hendrick Toyota, Fayetteville, NC. They lied to the CFPB that I entered into a contract with them on 10/13/2023 to buy a 2024 Toyota Camry. The car was purchased on 9/30/2023. The bast**** was given a cashier check for $ 30,000.00 and on 10/13/2023 a cashier check for $5,110.95 for a warranty. So I don't owe the lying a** nothing. That's the reason I pay my way in life with cash. Southeast reported three months of delinquent payments to the credit bureau. My credit score dropped from 805 points to 710. Yep, had to contact the FTC, CFPB, and NCDJ. My advice think twice and more. read more

What a day. I set up auto payments through Southeast Toyota Finance on a Toyota Rav 4 2017. Every payment was taken out of my account like clock work. On the final payment due April 30th they advise me on june 6th payment was refused. I called them on May 9th to check on this matter and was told all was fine, and the title would be sent shortly. Well I recieved the title around May 17th. Today June 6th I recieve a call telling me I am 36 days behind and was treated very rudly by several of their customer service representatives. So I call my bank to see why payment was refused, and they assure me that Toyota never requested payment. So I made the final payment now it is showing two payments pending. Toyota will not remove one of the payments. I love the Toyota product, but will never finance through SETF again. SETF is very unprofessional in they way they handle their customers. I have great credit for this crap to take place. SETF are liars. read more