Cinch Auto Finance is dedicated to providing the BEST service to our customers and our dealer partners. Since our start in 2005, we have … See more
Read More| Saturday | 9AM to 1PM |
| Sunday | Closed |
| Monday | 8AM to 8PM |
| Tuesday | 8AM to 8PM |
| Wednesday | 8AM to 8PM |
| Thursday | 8AM to 8PM |
| Friday | 8AM to 8PM |
10800 Alpharetta Hwy Ste 208 # 759, Roswell, GA 30076
I am fortunate enough to have a bank that offers bill pay feature, but I can’t help but wonder why CULS continues to take advantage of their customers by charging a fee to take our money for our payments, especially during these times. Just …
my wife and I have financed multiple cars through this company, and have had nothing but a good experience. I can only hope that if I need to finance a car again that they will go ahead and use them they have been the best finance company we have dealt with. GMAC Ally Ford motor credit can’t hold a candle to these guys
Luis Davicela is the best. I called 3 time and spoke with different customer service people to try to solve an issue. The answer always was the same, ( sorry but we can’t do that. You have to go online and do it) …
Had a question about a refund that should have posted to my account. Wanda was the ultimate professional, caring, pleasant, and was able to address my question promptly. …
Today I had the privilege of experiencing the most courteous and conscientious Customer Service Representative that I have ever encountered. Ms. JasMere Brown left me totally flummoxed. I contacted The Credit Union Loan Source (CULS), …
I called to get help getting into my account and I had the pleasure of working with Wanda W. She was quick to answer my call and was professional and patient with me the whole duration of the phone call. Ms. Wanda provided excellent …
I am a customer and had some questions and needed a letter from this facility, Casey Woods helped me and she was so professional and accommodating, she is an asset to the company,
Alex
By far the worst customer service you will find anywhere. They make a mistake and you pay for it. I live on a fixed income like a lot of Americans. I would have given them a zero rating if I could have. I beg all veterans to avoid this …
If I could give 0 stars I would. This company is in the dark ages of technology. You cannot make payments online for your car loans, so you have to call in. The automated system is supposed to be faster… not with CULS. The automated …
My sister a nurse, a frontline worker a true hero was positive for COVID. She was placed on the ventilator.My mother called to make a payment on her account and the clerks where rude, unsympathetic, and unprofessional. They did not want to …
Casey helped me with what I needed very quickly, sent follow up email with everything needed immediately after our call!
This ‘company’ illegally withdrew funds from our checking, complete FRAUD. They had no link to us whatsoever, (outside of an ill begotten routing #). They withdrew $549.61. The manager ‘Robert’ said they could not find the charge, …
They redesigned their website recently. I had auto payments set up on their old site which doesn’t work now. I set up auto payments on the new site because it didn’t show me that one was already setup and I figured ok its a new site I have …
My experience with CULS was outstanding Javita Rollins patience and professionalism has to be commended. I was able to navigate through a situation easily with her help. I didn’t feel rushed and she answered my simplest questions …
I should have know not to go with this offer from the dealer.
I have a good beacon score and they come up with this lousy sorry excuse for a credit union. …
Gordan, thank you so much for your assistance… Your customer service was VERY appreciated!!
The representative that assisted me was Veronica and she was extremely helpful! She was professional and courteous, and she assisted me until my problem was resolved. My experience today was very positive.
Horrible. You cannot pay your bill online via cc or debit. You must provide you bank account and routing number. You can call and pay your bill via debit card cc but then you pay a $7 charge??? Even to pay your bill on time!! On a six year …
Just Paid off my 2010 Town and Country I bought 6 years ago. Never had a problem with CULS. But there again, I kept up with my payments. I got behind a couple times by a couple weeks and they even pushed a payment back for me once. Talk to them and they will work with you to a point. They would rather have the money than having to repo.
Absolutely the worst experience in my life! I missed 2 payments because of my Credit union and CULS had my car towed and then sent to be auctioned off…. When they KNEW I was getting ready to pay the full amount and just needed 2 days. As soon as possible, I will be moving my car loan!!!
1 month in and I can tell you to run from this company. They charge you $7.50 to make your payment. READ THAT AGAIN. They charge you to PAY THEM. So I send them a check that clears my bank on 11/15, and my payment is due on 11/18. They …
Representative (Saridh) was highly knowledgeable and very professional. She assited with me with my concern and asked if she could assist with anything else. Very pleasant experience.
I am in the process of moving to a new bank account. I updated my account on their website, and for whatever reason they charged the old account. I called and was told that they couldn’t confirm that the right account would be charged in …
Well let me just start by saying probably the worst automated system to make a payment on. If you want to get a hold of alive person you better have about an hour just been on the phone waiting to talk to one . if you do use their …
Gave me a good interest rate but I have good credit so didnt surprise me but making my car payments is like fighting in the civil war. Cant make contact to an operator, website is sketchy, and the phone recording you have to sit through makes your average phone call about 20 minutes.
I have been with them over a year and yes I got behind on my payment but instead of helping me and trying to straighten it out they constantly give me attitude! I have two car loans one here and one with capital one and this one treats me …
Ms. Phipps was very helpful with handling my issue over the phone and via email. She put my mind at ease and made me very happy with her great customer service. Job well done!
I set up autopay so I wouldn’t have to deal with their horrible online payment interface. Fast forward 6 months and, apparently, I somehow missed a payment when I set it up, resulting in my payments being perpetually behind by one month. …
Today was a VERY HAPPY DAY for me! I talked with Cheryl at the loan office…without a doubt, one of the nicest ladies anywhere! Very professional with a cheerful attitude that made a great experience to do business with. Thank you CULS and THANK You Cheryl! This world needs more people like Cheryl!!! PMonda
I am 24 years old, I have financed and paid off 4 vehicles. I financed my 5th car with CULS. …
Worst customer service EVER. If I had any idea, I never would’ve used them to finance our truck. I’m currently trying to refinance and it’s literally like they’re trying to prevent it. I’ve called FIVE TIMES today. Been on hold over 3 hours …
Representatives I spoke to yesterday, 9/16/19 and this morning, 9/17//19 were both very helpful even when I discussed the concern I read from all the really bad comments made by customers on how their issues with the way CULS (Credit Union …
Davicela was very helpful in assisting me to correctly set up recurring payments for my loan. Thank you for ensuring that the correct amount would be paid every month. She was pleasant, professional, and knowledgeable about the website tool. I really appreciated her assistance.
Financed a vehicle for five years, never had a single problem or glitch with auto draft of payment, and calling customer service today to pay off the note was a breeze! Davi Lea was super helpful and very quick to handle my request! Will definitely use again in the future!
When making a payment online it takes 10-12 days for it to clear your account and be posted!! So you better make your payment 15 days in advance!! They will also charge you for a return check fee that NEVER happened and will not credit your …
These guys are a franchise outfit that obviously have some type of working relationship with car dealers. I regret not researching interest rates before going with this company. They are difficult to contact, with phone wait times as much …
Their website is horrible. I always pay my payments early and more than the minimum payment; however, the website shows the payment from a previous month. It is never up to date. How does this credit union get by with this type of …
The service, I received today from Ms. Kenyatta Kimble was superb. She handle my request very professional and courteous. Her demeanor was awesome. It helps if we too are professional and courteous.
The representative, Ms. Knight is the VERY best customer service rep that I have ever encountered. She was warm, compassionate, professional and most of all VERY knowledge of her work and how to help the customers. She was patient enough …
Been making online payments since july of 2018 and then i get charged twice for the month of Feb 2019. when i called to have it fixed i was told that i signed up for auto payments which i never did and they wouldnt help me. put me in the …
Jeliah Phipps in specific was wonderful at providing customer service and going above and beyond to take care of us as customers. Until we had spoken to her we had a very negative look on Credit Union Loan source, not anymore. She represents how customer service should be done for this company.
I recently bought a 2018 car and CULS ended up being the bank I have the loan through. I am a member of two other credit unions and absolutely love them. I wish I would’ve went with my gut and took the loan my one credit union offered me. …
CU Loan Service has a “secret weapon,” and her name is Cheryl Fargo. She’s a conscientious customer service representative who goes ‘over and beyond,’ when it comes to customer satisfaction! Thank you Ms. Fargo for your prompt attention with my matter the week of Dec. 28, 2020. Much appreciated.
Kenyatta Kimble should be teaching customer service. I have tried on at least two other occasions to get the payment changed to a different account. She was able to quickly spot the problem (my browser) and take steps to correct the challenge. She should be promoted at the earliest opportunity.
Kenyatta is the specialist that directed me on how to pay off my car in a much easier way than what I was trying to do. She was great to talk to and very personable. She made it a great experience for me and I really appreciate all of her help and the time she saved me.
The WORST auto loan i have every gotten in my life. I have never had the slightest problem with any other auto loan so it never occurred to me that a loan co used by a reputable new car dealer could be so poor. I have to mail in a paper …
Horrible!! This is my first time using them and last time. They lost your payments. Change mailing addresses more than twice. Never compensates the client for being unprofessional. If you see them run. This year can’t be over with fast enough
Do not get a loan through this company.. they waited over a month to try to process a check I sent in, I went ahead and cancelled it due to my payment being due and paid it online which charges you 7.50 convience fee. They sent me a …
I had the pleasure of speaking with Felicia Owen’s today. I needed some information on my account. She went the extra mile. She answered all of my questions in a quick and courteous manner, and then she offered to send me the information …
I would like to give a Huge shout out to Ms Saba. I had a rocky start with this institute and asked for a manager. I was sure that I would not get the answers and satisfaction I was looking for. Saba surprised me and over achieved my …
When I found out that I got a loan through them I was sick about it after reading the reviews because I’d never heard of them before. But I am telling you, they are just as NICE, KIND AND PROFESSIONAL as they can be with me. It’s …
Paying the account totally sucks you have to fill a form every time you want to pay and the website just sucks in general, they want you to remember the account number and VIN number of the vehicle. Like who remembers that. Also when I go …
Worst customer service ever! We will never use this company again and highly suggest you find a different company to finance your vehicle. We will be refinancing our loan to a new company. DO NOT USE CREDIT UNION LOAN SOURCE!
I purchased my car 2017 I have questions for these people . I have not been able to get a single human on the phone. The system is always down they charge you to check your account information. But for some reason they don’t have a problem …
Please save yourself the trouble of financing anything through them. Worst experience I’ve ever had. I’ve since refinanced and cannot even get a rep on the phone long enough to cancel my auto payment and refund my gap coverage. Making a …
They DO NOT apply your late payment charge to your late payment, they apply to the principal.. Doesn’t make sense you have to call in ask for it to be applied. If you don’t, your statements will show late payment charges. Im so Glad my relationship with this company is coming to an end. Ask for a manager to get nowhere at all
Car dealership ran my auto loan through CULS. Absolutely abysmal lending institution. They’re always closed and charge $7.50 to make over the phone payments. It is literally the only bill I still have to pay by check every month. I …
Customer service agents are very rude and unhelpful. They provide nothing but a bad attitude and have made mine interactions very unpleasant. I will never use this company again once my car is paid off, might even look at moving to another company to avoid dealing with them!
I have never experienced any concerns with CULS. I have been with them going on 7 years. I just recently asked for a copy of my most current statement and the young lady was very patient and helped me . She was very polite and took care …
ZERO STARS!!! STOLE MONEY FROM MY FAMILY AND REFUSAL TO RECTIFY.
I have always made my payments on time if not early. Recently the “system …
This is my second go around with this company and I don’t know what happened but this will be the last time I deal with this loan company. Not only can you rarely get in touch with anyone but their online system is now, somehow, even worse …
I wish I could give them 0 starts. This is the most unorganized place of business that I’ve ever come into contact with. Nothing is up to date and they never know exactly how much you owe. I’ve been talking to a man for the last two weeks …
REVIEW FOR CUSTOMER SERVICE AGENT,
FELICIA OWENS
For the first time in calling in to get help with my account, I ended up …
I would like to give a extra special thank you to Ms Kenyatta K. for the professional and precise detailed customer service she provided to me. She took my concern to the next level of getting the job done. She had to throughly look into …
A double payment pulled for my auto loan, and the company told me that I was now good for two months of payments. I asked for one payment back, and was told that there would need to be a dispute entered with my bank, and that I would be …
Jessica was awesome and very friendly in assisting us with my dad’s account
Another great experience with Omar Harris today in working on our account….great customer service by Omar…thanks for all your help.
Credit Union Loan Source is a joke. I got my loan approved at the dealership and never got any welcome pack, payment book, or anything from them. I had to go back to the dealership in order to make contact with them to make my first …
It’s 2019. Seriously, fix your website and payment process. I’ve got excellent credit, but CULS came in with the best rate on the loan for my recent car purchase 4 months ago. But paying that loan is a terrible experience. As other …
This company is a joke. When I tried to get a lien release they gave me the run around for a month. When they finally said they would email it the guy said he could not stay on the phone for us to make sure we got it. He gave us a number …
One star is one more than they deserve. Horrible company, horrible website. Changes geared toward stealing more money from customers. Charged me tp make a payment, took two payments out and not only tried to place all the blame on me but …
Not worth the time and effort. Sent in a one-time payment and they posted the payment to my loan. More than 3 weeks later, they reverted the payment and charged a $25 fee stating it was a “returned check” fee. Hello – it was an …
We’ve been waiting for a refund check for an auto draft for almost two months now. They keep stating that they sent it on November 16th (although the final pay off was mid October). Here we are December 9th and still no check. They’ve …
Literally the worst. Would give zero stars if I could. Would LOVE to refinance but am not able to at this time. All of a sudden paying your bill costs $7.50 – with no disclosure that this is going to be the case. They’ve charged me two …
I had the privledge to speak to Saba R today. I called to inquire about moving my due date for my car note. I immediately trusted this specialist to handle my needs. This simple request turned into bringing up the Covid relief deferrals …
I had been on the phone with three different people. Then at last I got her. She solved the problem and stayed with me with patience until the transaction was done . I told her she needed a raise as she accomplished what no one else could seem to do. My total time was from 8:20 am until almost 11am. Thanks to her.
I’ve been with this company for 2mths. So far i’ve been impressed. I called twice for something minor, got through with no problem. I chose the call back option once & someone even called me back promptly. I also like the new online setup. I’m not happy about the $7.50 fee, but if it gets the job done smoothly, it’s worth it.
I wish i never heard of this place before, unfortunate enough you have to deal with them as i HAD a car payment with them. Which is paid off just yesterday (38k total) i never ever in my life before was glad to hand over a hefty check. …
This is by far the worst business I have ever dealt with. Customer service system was changed and wait times exceeded 50 minutes on hold. Payments lost in the mail only to surface after I cancelled the check. Called for a payoff quote and …
A bank model designed specifically NOT to interact with their customers. I would encourage them to pick up the phone and interact with their customers, and make the process a heck of a lot less frustrating when their app breaks.
Work for the Federal Government and was greatly affected by the shutdown. I had two payments remaining to pay off my SUV. Contacted CULS who told me not to worry, I was good, only two payments left, …….etc. Called back when the …
Absolutely horrible and sketchy. Someone in their office STOLE my check information and used it to pay their federal student loan payment! I had to call my own bank and dispute it as well as file a report against them. No one at the company …
This is one of the worse credit unions that I ever dealt with. I didn’t know anything about this credit union until the dealership that I went through went through selected this credit union. I am now questioning the credibility of the …
I have had an auto loan with for almost three years and I have not had any issues. I see a lot of the complaints are about the ACH draft which I do not use. I pay online using their website and everything has always gone through fine. I …
What AMAZING customer service!!! I had an issue with the title on my vehicle and needed it corrected quickly. One phone call to Stephanie Cooper was all it took. She was friendly, knowledgeable and was quickly able to resolve my problem. What a pleasure to deal with a company that puts client’s needs first.
I have never been treated so unprofessional and harassed as much as I have by CULS. I had filed for Chapter 13 Bankruptcy and notified 4 different people yet they still called, at the least 6 times a day on my cell phone. They even called …
As many have said, they do not mail paperwork. I had to figure out how and where to make my payments. They have to be the only place I know of that charges a fee to pay online. …
my payments go through and I’ve never had any weird extra charges but it would be hard to know since their site is useless. Even now after they seem to have “updated” theres barely anything on it and its so hard to actually find anything.
1 star is giving them wayyyyy too much credit and I wouldn’t even give them that! Their website is basically pointless, you have to enter a ton of information every time you log in or make a payment. It doesn’t matter what time or day you …
NEVER do business with them!! They changed their payment system which was very outdated and they set me up on autopay even after I used the new system and set myself up on autopay. Three months, my account was deducted twice, at the first …
I have done business with CULS before and had a good experience. Today I spoke with Felicia Owens to set up payments on my new loan, she was very professional and had very good customer service, she even waived the fee to pay over the …
I would like to thank and commend Herbert Brown for being so helpful and patient in answering all my questions today. I was afraid of the care I would receive as I held on for the “next available representative”, since most of the reviews …
Thank you Keyarta Kimble. I want to call your name and thank you for the personal attention you gave me and my sister (in two different cities at the same time) in helping to set up an account payment plan. I know that sounds easy, but …
This has been by far the worst experience with a bank we have had. We financed through them with our new minivan and put set up an automatic payment through their website. That was a difficult process to log in, but whatever I had the …
Since the new update, I had issues with my payments online. When I called I did not have to wait that long to get a customer service representative. Cynthya Castro was very helpful and very professional. She explained in detail why I was …
Their website is so horrible to sign on to. It is beyond annoying and always tells me my password has expired even when it sends a temp password to my email. It will not let me create a new one. The service is substandard when I call. Often …
It was a pleasure working with Davon today. I’ve had an on-going problem with automatic monthly payments for several months. Each time I’ve called, I assumed the problem was resolved only to find it was not. Davon quickly identified the …
I gave 5 stars because of Felicia Owens. I have had to call several times over the pass few weeks because my car was totaled. I had read some reviews and one of them said that Felicia was very helpful. I found her to be helpful and …
I spoke with Jason today, He was very helpful, Jason stayed on the phone and talked me through the application for automatic payment. Thank you so much Jason. Your my angel for the day.
Such an amazing experience they made the loan process seamless.
Always a problem with the website. I can never access my account. The recent ACH payment change that required a signed document was accepted but isn’t deducting from my account. I called and spoke with an agent to confirm my bank account # …
This is one of the worse credit unions that I ever dealt with. I didn’t know anything about this credit union until the dealership that I went through went through selected this credit union. I am now questioning the credibility of the …
I recently made a VERY LARGE payment to Credit Union Loan Source to pay off my 2016 Cadillac SRX (over $12K). I now go to my website to see the payment and payment history and they tell me that I can NO LONGER access my account or payment …
I recently took a loan out for my car and Robert helped confirmed that my first payment was received and gave me info on how to set up automatic payments. I’m so happy with this loan company!
I submitted my payment on Feb. 11 but wasn’t notified until today Feb. 22 that it hadn’t processed. And to top it off it came via email, not a phone call as most companies would do. The guy then tells me I added an extra digit to my bank …
No issues with company at all. Love the new website
Kenyatta Kimble was my representative and she went above and beyond to help me out with my questions and concerns her customer service skills was excellent!!! She even reached out to me days later to check on me and let me no what the status was of my concerns. I really appreciate her putting my mind at ease.
This company is a nightmare to work with. I have a car loan through them, and to pay online there is a fee. To pay over the phone there is a fee, so I mailed in a check. It took them 12 days to actually apply it to the account. I sent extra …
Great customer service! Wanda W. was pleasant to work with and helped with my situation to change my payment date (since I get paid once a month). The one main issue I have with the company itself, regarding making payments, is there is a …
Please read ! The wait time was a little long.
However, Jasmere the CSR was GREAT… Ask for her if you call. …
I had a loan with them that I paid off last month. I accidentally threw away the letter they mailed me showing a zero balance that I needed to get a refund on gap insurance. I called this morning and spoke with Melvin Lovely and within 2 minutes he emailed me the letter I needed. Thank you much for getting this done for me.
Not happy at all with this finance company. No other finance company has ever charged a $7 fee to pay online. I am always having to change my password when logging in or locked out of my account with them. I will not use them again. Very aggravating.
I have been a customer of CULS for approximately 6 months. My experience have been awesome the few times I had to call. Despite dealing with COVID-19 issues and people losing their jobs CULS is willing to assist their customers. They can …
I don’t know about anyone else, but I like seeing how my payments are applied on my credit accounts. Credit Union Loan Source’s website only shows that a payment was made. Can’t see what went to interest or what went to principle. You have …
I had a wonderful experience with Jessica Fontenot. She was super nice and professional.
I had the pleasure of speaking with Herbert. He went above and beyond what to ensure my expectation was met. I had some questions regarding paying of the full cost of my vehicle and he was very helpful with providing some financial advise. …
My rep Millie E. was so awesome to talk with today. I’m grateful to CU loans for being there for the customers during this most difficult time in the world today. I was able to get two months Deferred and I only asked for one and they gave …
Stephanie Cooper, VP of Account Processing has been such a pleasure to work with. She kept in great contact with me through an urgent time and totally went above and beyond. It is hard to find people that genuinely care but that’s exactly the person I found when working with her. Thank you.
ABSOLUTELY TERRIBLE! REPORTING THEM TO THE BBB and also contacting my attorney today to call them. I paid off my loan IN FULL 2 months ago! They cashed the check and zeroed balance our but continue to report to credit agency that I owe a …
I spoke with Lourdes Pichardo, a customer service rep. I asked for her help with a question related to a principle payment I made. She rushed me off the phone and shared she would email me some information because she had to deal with other …
I absolutely HATE calling a company more than once out the day. Apparently there was a mixup where I somehow signed up for paperless statements and after speaking with several cs agents, they claim there was no way they could sign me back …
I purchased a car last year and was financed through this company. SO far I have had no problems, but please for the LOVE OF GOD…. people realize this is NOT a credit union, it is a LOAN SOURCE COMPANY. there IS a difference. If you want to be FINANCED through a credit union, GO TO a credit union!
Website, correspondence, and payment methods/options are all dodgy. Website will occasionally not accept payments, letters all seem like they’re designed to be seen as junk mail (and thrown out), stated rate not the same as final rate …
I had a great experience with Ms. Maria, as well as with every other Customer Service representative that I’ve interacted with in the time that I’ve had my auto loan with this company. The people I’ve dealt with have been respectful and sincerely helpful. I’m extremely happy and grateful for the service I’ve gotten at CULS.
I wasn’t happy with them the day I got the loan through the dealership. I googled them and was so disappointed. I will be refinancing as soon as 3 months are up. I can’t do it now or I will lose the rebates. Who charges $7.50 to make a …
Had my car loan with them for the past 5.5 years. Never been late. Only owe a few more months. Called to defer a payment due to husbands furlough. Heard my request by phone and wanted all the details only to send me to the website. Any …
My situation was confusing and did require a bit of phone tag, but Alina was wonderful and patient about handling my situation.
She was very professional and was able to immediately resolve my problem! Thank you CULS for helping me through my little hiccup 🙂
Just bought a car and they put me with this company. This company is a joke! I try to make a payment online they want to charge me $7.50. I try to call in a payment there’s also a fee for that! Only way I can’t be charge is by setting up bill pay. I will definitely be refinancing to get away from this company ! Borrowers beware!!!
I call in and first spoke with a representative by the name of Annette. I made a payment and tried to get information on what the company was doing for it’s customers dealing with the COVID-19 pandemic. She sounded like she was asleep, I …
This company is beyond horrible, there honestly aren’t even words to describe how horrific dealing with this company is. Their customer service center is a complete joke. Their website is NOT user-friendly AT ALL, my five-year-old niece …
Worst online payment setup I’ve ever had! Horrible customer service. FYI this is my 1st and only online review I’ve done for anything that’s how strongly I feel about this company
Victoria was very kind in helping me get the payoff quote for one of my customers, definitely a 10/10 on customer service!
I am not a fan at all. I had 1 car loan through them several years ago and most recently they offered a great rate for another purchase. I voiced my dislike for this company with the dealership but pushed forward anyway. However, as soon …
3 Stars for the Company as I had to call 3 different people to receive my Paid off letter. …
We were trying to get a payoff letter from Credit Union Loan Source and went to the website first. Couldn’t figure out getting into that area of the site so we called the customer service line and talked to Kenyatta Kimble. What a great day …
The first couple of calls for my glitch in payments were dead ended, probably because the customer service reps just didn’t dig deep enough or was inexperienced. But when I reached Kenyatta Kimble everything was resolved. This young lady …
I called in 6/25/2020 to let CUL know that I had been in a vehicle accident and my truck was totaled out. I had the pleasure of speaking with Kenyatta Kimble. WOW she is amazing. So friendly and caring. She took all of my information, …
Absolutely horrible. Can’t make payments online without getting a headache. And then when a payment does not go through they fail to notify you and hit you with a late fee. Then when you call to make things right as a valuable customer that …
I had to contact CULS about my vehicle loan yesterday. I spoke with Cheryl, who was very attentive, professional, and helpful. She also sent me the information I needed super quick! I really appreciated her time and efforts. AWESOME customer service!!
This has been the best company I have ever financed a vehicle with. Everything about this company has been nothing but professional. I also pay my payment on time with autopay which makes it that much easier on both myself and the company …
I would just like to say that it was a great experience & a long journey but I made it ! Thanks for the help along the way from the Credit Union Loan Source especially during the pandemic. Everyone that I’ve talked to through the years have …
I have my loan through this company for four months now. I have not once received anything from this company in the mail. I had to find them and go the car dealership to get their number and address, just so I could make my first car …
I don’t just write nice reviews because I’m prompted. I’m honest and believe you need to tell people/businnesss the truth so that if there’s a need to make corrections it can be done with full understanding of the issue. …
Good luck with this company. I can’t get them to send any statements to me. I have to keep remembering to pay on line which they charge a hefty fee for. All I want is a statement either on line or by mail. I call every month with no response.
Thank you to Gordon for helping me complete a payment and resolve an issue on my account. It was quick and easy.
Shae was very detail and prompt. she showed amazing customer service.
Update 12/23/20: horrible customer service. Ask for the payoff amount and never got an answer, instead they sent me emails with fishy attachments! STAY AWAY!! Worst bank EVER! …
Everything was awesome till the payoff, I sent the funds with a certified check, as 5 business days have passed, I decided to call, the answer was “the check will be sent in 25 business days” so this “If you paid with certified funds, CULS …
Today started off as a bummer with this company. Had to request more than once be able to speak to Miss Cheryl Fargo. If it was not for speaking to her or Miss Saba R. Thank you ladies for your assistance. …
I love this company. They have been so wonderful through everything during Covid 19. I work in healthcare, and this definitely hasn’t been an easy time, everyone I have spoken with at this company have been, kind, understanding, and …
Victoria Beeston quickly executed my requests and was extremely helpful. Definitely an asset to Cinch Auto where the previous representatives have not been helpful.
I am having issues with CU Loan Source and how they are applying my payments and with their new system . I have called several times and Cheryl Fargo has provided great service and clarity both times! She did everything she could to …
WORST customer service from a “customer service” company I have EVER had the misfortune of experiencing. I come from a combined financial services and customer service background so I can speak with authority on this matter. If you have a …
ALINA FROLOVA in a world of Customer Service gone All Kinds of Wrong: YOU ARE EXCEPTIONAL!! I honestly prejudged you too as soon as I heard you speak and because it was early…I had a misconception already. You were so professional, …
Their rep Saridh Galvan was really good. She helped me in what seemed like seconds; very knowledgeable. I had called in for help 2 times before and the reps were also kind and professional but we just couldn’t figure out the issue with my …
I contacted CULS today after I noticed double my car payment had been withdrawn from my account. This was my second payment made to this company. I set up automatic payments upon receiving my loan packet from them shortly after purchasing …
I had the pleasure of AJ assisting me today with obtaining a 10-day payoff for a client. AJ was awesome, quick, and efficient! In my fast-paced industry, your help today was immensely appreciated! Thank you!
If I could give 0 stars, I would. Absolute terrible customer service and business practices, took me a month of steady calling customer service to get a “manager” to speak to. Save yourself the headache and don’t do business with this company.
This place is a complete joke!!! This is the only place I have ever used that charges an outrageous service fee of $7.50 to pay your loan payments on line. I have had multiple car loans over the years and this is the first place that has …
alina was fantastic she is professional, knowledgeable and willing to help. Great experience and yes she did handle the situation I called about she is a PLUS for the company thank you alina
I made contact with cu loan source this morning and spoke with Cheryl Fargo and immediately recognized her professional demeanor and caring countenance.
Ms Fargo listened to my concerns and addressed with attention to details each …
I refinanced my car loan with CULS a few years ago, and they were very helpful during that process, allowing me to receive a lower interest rate. Every time I have called over the duration of the loan, they have been efficient and kind, …
Karisa Batts was extremely supportive and professional. She was patient and explained everything multiple times. She even allowed me to call her back so that she could assist me once I had all of the information that she needed. She was …
Alina was very helpful and professional! My experience with cinch has been great, thank you.
My first experience with them was a good one. I’ve financed many vehicles before and have never had a problem with any of my banks that I’ve financed from. I was a bit skeptical with this institution 1. Because I knew nothing about them and …
Like all the other 1 star reviews…. if you value your sanity and money….RUN AWAY FROM THIS HORRIBLE COMPANY. Every bad experience listed herein, I relate to!!!!!
Their site is so basic, can’t obtain statements, they charge $7.50 to make payments online (which I’m not paying that), and there isn’t any email contact whatsoever. I would recommend they update their site. …
By far the worst bank/loan company you can ever use for a vehicle. They charge you $7-8 just to make a payment every month, on top of having the WORST customer support you’ll ever try to get into contact with.
Leydis helped me today with my account. She was very patient and such a pleasant personality; she made sure I understood how to my payment online. I thoroughly appreciate her kindness,
I called in to make a payment and fix my log in info for the app. And Gordon helped he was so nice and helpful and very knowledgeable thank you so much!
Very professional and informative. When ever I called CULS staff has been helpful, polite and attentive to my issues and concerns.
No stars. Horrible from day one. Have to re-set user name and password every month. The website doesn’t even recognize my loan number so I can’t trust anything they do. And they charge you if you pay over the phone or you have to go through …
My car loan was Sold to Credit Union Loan Source about 4-5 months ago. I have called many times and told many different ways to make my payments in order for the extra money I pay to be applied to my principal. Nothing has worked. Instead …
Worst bank I’ve ever dealt with. Said I was 29 past payment because they changed systems and didn’t seem to mention anything to me at all. I had to register again and they had NONE of my information on file. I never make reviews but people …
I needed a copy of my auto loan paid-in-full letter so I called Credit Union Loan Source and spoke with Leydis Monroy and asked her to email a copy to me so I could take it to the dealer and request reimbursement of the unused portion of …
When you’re able to talk to someone they are super nice but good freaking luck talking to a person. Their website is an absolute JOKE and impossible to navigate unless you re-register EVERY SINGLE TIME which includes speaking with a representative. Again, good freaking luck. I will be refinancing with another a agency ASAP.
Loan got sold to credit union loan source and its been a joke. First of they originally said they accepted credit cards, i put in visa American express and discover and none was accepted. Secondly once i did make a payment i was charged a …
Wonderful experience working with Shay to confirm and verify initial auto pay setup from bank
Cinch is is easy and simple. Customer service is quick and responsive. Jessica Fontenot was super helpful!
If there were no stars to give, I would give no stars. I submitted my name change petition in June with copies of my marriage license and driver’s license. I have called multiple times to check on this and they STILL don’t have it. They …
CSR Ms Alina was very professional and extremely patient while providing me details on my recent bi-weekly payment history. Tuesday,Aug 9th🙂 …
Absolutely the worst loan company I have ever used. Had multiple negative situations. To half the time the website to make payment didn’t work, to one rep taking my account number wrong and applying my payment to wrong account to calling …
Leydis Monroy was an extremely helpful individual. I had an issue with my account being extremely delayed in sending me notifications about balances etc. and she was able to easily solve the issue with no trouble or time at all. Very respectful and professional.
I appreciate.Yashira her patience and customer service abilities. We need that today.
Alina was very professional, she gave clear information, she was very cool tempered, and she has every quality a manager should have
I will try and remain positive but I have to agree with the reviews.
Please work on your customer service and professionalism. This is vital especially when you are dealing with the public, they can be cruel. …
I spoke with Jasmine M. today. She was very helpful and patient with me. I was having trouble with the online portal. She stayed on the phone with me, helping me while I reset my online account, something I had been tryng to do myself for …
I just had the most professional and convenient experiences with a representative with CULS. Lately, it’s been very rare to receive basic customer service but today I received awesome customer service from Quaneshia! She was amazing while …
Devil in details. They might give lower interest rate but they get their money through charging 10 dollars just to use their app to make a payment with your check card. By phone? 8 bucks. By checking account? 5 bucks. It’s 2022 soon and …
I would stay far away from this company I’m waiting on a refund back from July finally had to open a BBB case to get over almost 4k back in overpayment they were saying they didn’t receive but the check cleared my account
Alina was fabulous. Insightful, pleasant, responsive, upbeat, patient, professional and very knowledgeable! Give pats on the back all around!
My rep, Alina was extraordinarily professional, patient, knowledgeable and pleasant. I am a new customer since October 2021, and have been v v discouraged and unhappy with the knowledge and service I’ve received until speaking with Alina …
CINCH: Casey was so helpful and professional on March 18, 2022 @ 12 noon with helping me to set up and process my loan payment. I experienced a horrible time trying to get logged in on the portal. Casey was patient and walked me thru …
This company likes to hold on to your money and or title as long as possible. Most businesses release within 5-7 business days not 5-7 weeks!! …
I have had good experiences every time I call in I get the help I need and I can’t complain about anything thus far!!
Absolute worst experience with a financial agency I’ve ever dealt with. Incompetent, negligent, and disinterested. Find another business.
This is absolutely the worst loan company I have ever had the misfortune of being associated with. DO NOT FINANCE WITH THEM!!! I financed my car through them a couple months ago. Little did I know how much of a disaster that was going to …
I have been a customer of CULS over 2 years. The company has been great to work with. If I am ever in the market for another car, this is the company I will use. I would like to personally commend Casey Woods as an associate that is easy to …
Dear Cinch team!
I would very much like to convey my gratitude and admiration for the “excellence” level work I received from Mr. Omar Harris! …
Well first time with this company. I had called to ask about my loan and to my surprise there was this beautiful soul by the name of AJ. She is amazing and help me in so many ways she is angel in my book. She deserves more then five stars. She truly is a star
Stay Away! They signed me up for auto pay and paperless statements and never sent me a single email or payment request. I tried multiple times to log in to their site and called them. Nothing! They then hit me with late fees. Turns out they sold the company. They never told me. Wouldn’t waive the fees.
Once I had secured my loan and purchased vehicle, I read these reviews and got scared. So each month I elected to receive a paper bill, paid immediately by check, never an issue. Website could be better, but I chose NOT to do anything …
Probably the worst and most unprofessional finance company I have ever dealt with. Rude people! Customer service is horrific!!! Do not finance your car with these people! They had to change their name from Credit Union Loan Source because of the amount of bad reviews!
Their automated system to take payments is complete trash. It will constantly tell you to push 0 and then tell you that it’s not an option, and then it will hang up on you. It will tell you credit card number is wrong even though you’re …
i had to use a company called smart payment plan to pay them only wat to pay them on time and without their stupid fees and not processing when you pay them
Ms. AJ, was amazing. She helped me to navigate through the website, and also helped me with my payment.
Thank you so much guys for recruiting the right persone for your customers. I want to thank you guys as a company, and also Ms. Aj for helping me.
Never known a bank to charge a “convenience” fee to make an additional payment. You already are charging me interest for the loan and it’s all electronic. There is no “convenience” because the same ACH is already linked for the standard monthly payments.
When we could not sign up for online banking , Sharon R, helped us get things set up fast and was great to work with! She is a gem!
Mrs.Aj was a very big help!! She helped me out in making my first car payment! Sounded like she’s been working there for years 🙂 keep up the awesomeness!!!
Spoke with Shay Rodriguez concerning a issue and she was very helpful. She helped me and got it resolved, no days customer service is hard to find. Thanks again Shay !
We paid off our loan early, and, in full, because we were trying to sell the car. Cinch Auto Finance (aka Credit Union Loan Source) refused to send us our car title, and has given us the run-around. As a result, we’re unable to sell the car. Beware!
Ever since they’ve “updated” their site, I can’t pay my bill, I was never able to make an account through them, so I just used my account number every time. Now I can’t do that. So now I have to call them which is a $10 fee every time. It’s …
This review is specifically for Casey Woods. I’ve had Cinch finance when they formerly were known as Credit Union Loan Source. As CULS, their customer service was good, but not fantastic. Today was the second time Casey had helped me and in …
The company is not nearly as bad as people in these reviews are making it out to be. BUT, the reason I do give them four stars is because you do have to be aware of small nuances with this company. If you pay on the online portal or over …
This company is now Cinch Auto Finance. This not CULS any longer, nor is the service when it was owned by the credit Union’s the same. Be forewarned! I financed a car with them to replace a totaled vehicle. A couple days later they called …
Astounding customer service – just needed my account number and a copy of my last statement. No confusing automated system, and Jessica answered my questions and had me good to go in less than two minutes. Very happy to be doing business with CULS/Cinch!
I had the most AMAZING customer service experience with Ms. Sheryl at CU Loan Source. She listened to my concerns, sent a detailed email and ensured she followed back up with me later in the day. I really appreciated her calling me back to …
Just got off the phone with a rude representative.
Was about to make our very 1st payment at this finance company ( now call …
I had problems with this company in the past, and had a on going problem for 3 years. Recently we had our bank account hacked and had to change accounts and update payment information. I had the pleasure to have Casey Woods handle my …
This company has been outstanding to us for the last several years when we bought our 2019 Hyundai Santa Fe. Quality of service has always been great and above whT you would expect. Always professional and courteous. We have now bought a …
She was very help and very knowledgeable, and was able to help set bank account so I could pay online… Thanks Ms. Veronica
While I had my share of troubles with this new car, when I tell you that Gordon and AJ made things right, they both were awesome. I thank you both for going above the call and listening to my concerns. THANK YOU!
Jessica Fontenot was extremely helpful after my vehicle was totaled and I was trying to get a payoff for the insurance company! She was informed, quick, and extremely friendly. Thank you for all your help, Jessica!
Sharon was very knowledgeable and helpful. I have been in sales and customer service for over 50 years and I would give her A+ product knowledge and understanding my issue and applying her knowledge to satisfy my problem. Well Done !
I wish I could rate 10,000 negative stars. This company is the worst to deal with. Their online system doesn’t function. So when you make a payment it rejects it later. You assume it was paid until you receive a phone call it’s past …
We were hijacked by our dealership and sold to Cinch even with a credit score 770 still charged higher rate to purchase our lease, and threatened by cinch within 30 days…sent paperwork for auto pay.ents from phone, said unable to read. Didn’t process payment. Had to resend paper copy. Jerks
$14.95 convenience fee every single time I make my monthly payment. Why do I have to pay these people to take my money?! Do not recommend at all.
Extremely frustrated. Just got a new car in December and made my first payment this month only to find that there are HIDDEN fees to make a payment. I have to pay them a minimum of $4.95 JUST TO MAKE A PAYMENT. Had i known this i would not have went with this company. Refinancing will be happening as soon as possible!!!
Wonderful company to work with. Absolutely Professional 💯 and works with you. Stands behind thier products and services as well provides excellent quality customer service. Tyeshia, Veronica, and Michael were all on point and went above and beyond to ensure I was taken care of. I would recommend doing business with them. …
We had a car loan set up with autodebit to our bank. I noticed the final and last payment had not posted. Payoff was a slightly different amount than normal. Their software somehow denied the payment (probably amount remaining did not …
I have worked with many different loan companies and this one is by far the best. Casey Woods and Mechelle Durden were extremely patient and gracious with my questions and concerns. I highly recommend speaking with these ladies when you need assistance!
I had mailed my payoff payment to the address that they had gave me well of course it being me and my luck , I was so thinking it was stuck at the post office about to get sent back because I put for someone to sign for it ! Well literally …
I needed to set up my automatic payments and called the bank and had the pleasant experience of speaking with Ambra Nixon. She is so kind that I want to recommend her for taking the time to listen to me and show me step by step what I should do, Very good, Amber successes
We have been dedicated paying clients since 2017, or later when this company bought out our original finance company , they are horrible ! And communication is horrible , this company decided to repo our family vehicle when starting price …
CULS, now Cinch Auto Finance served me well all the years I financed my car through them. Always friendly and even understanding when times were tight. When I finally needed a pay off email, Casey was as friendly as I’d expect and met my needs. Never thought I’d review a loan lender but this one was well deserved.
I recently worked with Jessica Fontenot on an issue I was having with my new car loan. She was courteous and knowledgeable and solved my issue promptly and efficiently. She was a pleasure to talk to on the phone, which is a rarity theses days. She represents your company well and you should be proud to have her in your employ.
I really never had any major problems with Cinch, which used to be Credit Union Loan Source. I’ve had difficulty getting through to customer service when they were CULS, but Cinch has been no problem to deal with. I just paid off the balance on my car and the gentleman I talked to, Gordon, was helpful and pleasant.
I am very please with the assistance I received from Casey Woods. She is very knowledgable and friendly and willing to solve problems. I only wish every company had such helpful representatives. Thank you Casey Woods for assisting me today! Five Plus Stars for Casey!
Alina Frolova was my customer service representative at CULS, and I could not be more thankful for getting her on the phone. As soon as I dialed she answered the phone. Not only did she treat me with respect but she was kind, courteous and …
We did a payoff of about $18,000. That’s what the company quoted. Then they showed a balance of $12.81. We paid that. Now it’s showing a balance of $0.01!! Can you believe that! Never again!! I don’t recommend this company to anyone!
I am a very happy customer. Edward Gordon was so helpful and kind I give all A’s to this Representative. I am not very well with computers stayed on line and help me set my account up.I give all five stars Thanks Kathy
CULS/ Credit Union Loan Source/ Cinch Auto Finance (name changes frequently) are a bunch of crooks!!! We bought a vehicle and they where chosen to be our loaner for the vehicle. We have never had problems with any other loan source like we …
DO NOT do business with this company! This company made numerous accounting errors once my vehicle was paid off and tried to write off incorrect balance statements to collections in my behalf months after I had paid off my vehicle and …
Would not use this company. Very shady with their practices. Hidden fees within the loan once taken out. Called and verified my final payment and the process to which would take place. I followed the customer service steps and once a final …
I was told 3 to 5 business days to receive my title. If I would send a certified check to payoff auto loan.
Now it has shown paid in full for over 10 days and they say it could be another …
Well, they have started off in bad light with me from the beginning with a $4.95 convenience fee. I used my bank accout to pay the first payment and they added a convenience fee. Many places add a convenience fee for using debit or credit …
I own a 2020 Mazda and have had automatic payments but every now and again I would call in to make additional payments. The Customer service reps are always very nice. Today I called in because I needed help to pay off my car. I’m not so …
Typical predatory financing company. Their customer service is non existent. their App and website are HORRIBLE. their phone help isn’t help. …
Hi there, happy costumer here! I had reached out twice about an update that I had made to my bank account and needed auto finance to help me with this, two costumer reps just sent me emails on how to do it myself and never really replied to …
We’ve had our loan for about 3 years. I called and spoke with agent Cheryl Fargo today because after years of on-time payments… we were going to be 5 days late. While trying to figure out the best way to address the issue we realized, we …
So I made an account 2 years ago with them through CULS and my password wasn’t working to log in. I finally made time to call today and spoke with Mike. He was very helpful. I read these reviews first and was dreading calling but it was …