Cinch Auto Finance

Blessed day to the company. I would like to make a comment about the young lady Amber that helped me. She was gone very helpful and kind patience. She explained everything very well. Excellent manner good energy vibe was spectacular. The last two women I talk to made me hate the company, they made me not wanna call you. They had to was negative. They was not helpful. I even hated the fact I financed the car to you out because of a negative. I’m very thankful for Amber and her sweet spirit and her being so helpful with the pleasant spirit. Talking with her gave me a total different outlook on the company. I feel she done very well and I would love to thank her and let whoever read this note she’s a keeper. And maybe she can help some others with them nasty attitude that your company have. I am a mile person and I can deal with anybody with them last two women. I don’t know what was going on, but I hated the company because I was thinking those are the kind of people that work for that company. Today I have a change of the house because of the young lady Amber that helped me . And I think her again may she be blessed and continue to drive and go forward in Jesus name .

Published at a month ago

I had to call the company about making a payment which I had set up for auto payment. My customer service (Casey) experience was excellent. The representative I spoke with was not only pleasant, patient, and helpful, but also respectable to me with my situation. I have called once before and the call was good, but this young lady was awesome. Thank you!

Published at a week ago

Conch has been deceptive with me from the beginning. I wanted to pay off my loan. They would not give me a payoff. So I sent the majority of the loan to the Miami address, which I was told is where regular payments go. I got a call telling me I sent the money to the wrong address, and that my loan is still not paid off. They still refused to tell me what the payoff is, but said they would mail a bill for the payoff to me, and that u should remit the payoff to Alpharetta. On October 30, I received a payoff amount that was good until October 31. They are telling me over the phone that my phone number doesn't match their records, although they called me at this number. My car is being held over $126.20 that they won't let me pay.

Published at a week ago

When I called customer service, there were only 3 prompts, the 3rd being connected to a customer service rep. That is unheard of these days!

It only got better. Michelle was very helpful and spoke clearly and eloquently. I did not have to ask her to repeat anything.

Needless to say, the whole experience was a delight.

Thank you!

Victoria Kerins

Published at a month ago

The customer service representative that I spoke with was Sandy Garcia. Sandy was able to assist me with my payment date changes and help relieve some of my worries with my loan. She was very kind and patient. I’m grateful for her help.

Published at a week ago

I have always had a great experience with this lender. When I initially took out my car loan, their rate was less than my own credit union. For the first time in 3 years I had to reach out to customer service today. The experience I had with Michelle was above and beyond. She was so very personable and was incredibly helpful!

Published at a month ago

Terrell Davis was a great customer service rep. He understood my issues and resolved them quickly! No hold time and no transferring the call! He was proactive and an amazing active listener. He understood the worry in my voice and accommodated my concern. He really saved the day in helping bringing my account up to date!

Published at 2 months ago

Michael, customer representative was very helpful and professional in assisting me with my request. I received my information less than 10 minutes after after speaking with him on the phone. I have had a great experience with Cinch with my car loan.

Published at a month ago

Amber for very kind and helpful in advising me on how to make payments on my new loan!!! Much appreciated!!!

Published at 22 hours ago

So far, my experience has been great. The customer portal is no-nonsense and easy to use. Each login they give an estimated 10-day pay off. I have a great interest rate. Can t complain!

Published at a day ago

My experience was great. Worked out for me..

Published at a day ago

The representative was knowledgeable, patient, and of the utmost help.

Published at 2 days ago

Immensely helpful, solved my issue in one phone call.

Published at 4 days ago

I called Cinch Auto Finance to get help with the payoff transaction for my Toyota Highlander. The money took a long time to get from my credit union to the correct place within Cinch. Lucy answered my call and was very helpful, courteous and professional during the call. She did the job excellently and was very helpful!! Thank you, Lucy!

Published at 4 days ago

Published at 5 days ago

Published at 5 days ago

Published at a week ago

The customer service representative that I spoke with was Sandy Garcia. Sandy was able to assist me with my payment date changes and help relieve some of my worries with my loan. She was very kind and patient. I m grateful for her help.

Published at a week ago

Lucie was so good , respectful and solved my problem

Published at a week ago

Lucy helped me understand my payments. She did an excellent job

Published at a week ago

Lucy was friendly, helpful and very much a joy to talk to this morning!!

Published at a week ago

Published at a week ago

I had to call the company about making a payment which I had set up for auto payment. My customer service (Casey) experience was excellent. The representative I spoke with was not only pleasant, patient, and helpful, but also respectable to me with my situation. I have called once before and the call was good, but this young lady was awesome. Thank you!

Published at a week ago

Conch has been deceptive with me from the beginning. I wanted to pay off my loan. They would not give me a payoff. So I sent the majority of the loan to the Miami address, which I was told is where regular payments go. I got a call telling me I sent the money to the wrong address, and that my loan is still not paid off. They still refused to tell me what the payoff is, but said they would mail a bill for the payoff to me, and that u should remit the payoff to Alpharetta. On October 30, I received a payoff amount that was good until October 31. They are telling me over the phone that my phone number doesnt match their records, although they called me at this number. My car is being held over $126.20 that they wont let me pay.

Published at a week ago

Lucy was extremely helpful and courteous

Published at a week ago

Published at a week ago

Published at a week ago

Published at a week ago

Published at 2 weeks ago

After my wreck the insurance and gap payed off my jeep on February 26 of this year. They decided to charge me an extra 429.47 for a late payment and late fees for the month of May of this year.

Published at 2 weeks ago

The experience was good. You can tell she enjoys helping people

Published at 2 weeks ago

Ambra, was great with her customer service skills!! We even laughed, Thank you Ambra

Published at 2 weeks ago

I changed my review and hopefully won t have to change it back to 2 stars. We will see how my GAP insurance payment goes. Thanks Cinch.

Published at 2 weeks ago

Isabella was awesome. Provided all the information I needed! She was great!!! Thank you Isabella!

Published at 2 weeks ago

Received great Customer care from Casey Woods this afternoon. She was helpful, friendly, and took the time to walk me through and resolve my account issue. Very satisfied!

Published at 3 weeks ago

Spoke with Michelle and she was super friendly and helpful! I appreciate it.

Published at 3 weeks ago

I needed help with an account issue and the service I got was amazing,first class customer service keep up the great job.

Published at 3 weeks ago

Veronica Gilchrist is by far the best representative at Cinch I called in for assistance with modifications to my loan. Not only did she help, she also explain in the simplest way possible to me so that I can understand the process, great person I understood, and it helped me a lot. we need more representatives like her love her. Thank you Veronica Gilchrist.

Published at 4 weeks ago

I called and spoke to Jason Headley. He was very friendly and helpful. He answered all of my questions and assisted me with helpful infomation.

Published at 4 weeks ago

Published at 4 weeks ago

Amber was great. Thank you!

Published at 4 weeks ago

had a really good expectation with Susan thank you for your help

Published at 4 weeks ago

Outstanding

Published at a month ago

The young lady Casey was extremely helpful and patient with me about the options I had with my loan. I appreciate her professionalism and how she took her time to help me work the app to get my questions and concerns answered.

Published at a month ago

Great Customer Service! Very helpful in making changes to my account.

Published at a month ago

Mechelle was very kind and professional! She solved my problem and made sure that I received the information efficiently! Thank you Mechelle D.

Published at a month ago

Published at a month ago

Published at a month ago

Published at a month ago

Published at a month ago

Blessed day to the company. I would like to make a comment about the young lady Amber that helped me. She was gone very helpful and kind patience. She explained everything very well. Excellent manner good energy vibe was spectacular. The last two women I talk to made me hate the company, they made me not wanna call you. They had to was negative. They was not helpful. I even hated the fact I financed the car to you out because of a negative. I m very thankful for Amber and her sweet spirit and her being so helpful with the pleasant spirit. Talking with her gave me a total different outlook on the company. I feel she done very well and I would love to thank her and let whoever read this note she s a keeper. And maybe she can help some others with them nasty attitude that your company have. I am a mile person and I can deal with anybody with them last two women. I don t know what was going on, but I hated the company because I was thinking those are the kind of people that work for that company. Today I have a change of the house because of the young lady Amber that helped me . And I think her again may she be blessed and continue to drive and go forward in Jesus name .

Published at a month ago

Today Ms. Ambra was very helpful and friendly. She help me with my payment fees. I was very happy with my experince with Chinch.

Published at a month ago

When I called customer service, there were only 3 prompts, the 3rd being connected to a customer service rep. That is unheard of these days! It only got better. Michelle was very helpful and spoke clearly and eloquently. I did not have to ask her to repeat anything. Needless to say, the whole experience was a delight. Thank you! Victoria Kerins

Published at a month ago

I was blessed today with a wonderful Cinch Auto service representative! Casey Woods went above and beyond to provide excellent service and advice regarding my auto loan. She made the process easy and was very kind. Thank you, Casey!

Published at a month ago

Michael, customer representative was very helpful and professional in assisting me with my request. I received my information less than 10 minutes after after speaking with him on the phone. I have had a great experience with Cinch with my car loan.

Published at a month ago

Very helpful and friendly.

Published at a month ago

Lucy was very helpful to me and very understanding..

Published at a month ago

Lucy was a pleasure to talk to this morning about my payment. She was friendly, quick and had a sense of humor which was great. She deserves all the kudos!!! Thanks Lucy!!!

Published at a month ago

Amazing customer service from Cheryl ! Very attentive and courteous

Published at a month ago

Published at a month ago

I will never get another auto loan through this company We already having to pay a high interest rate on vehicles But by app you pay a fee or by phone you pay a fee Mot just one time but every time Cinch is already getting a fat interest off of loans due to most people like myself can t afford to pay in full for a vehicle,

Published at a month ago

Mrs. Casey Woods was so helpful and kind. She was a very kind and patient and very knowledgeable person. I had a great customer service experience. It was very refreshing to have politeness and to have that great personality. She honestly, truly cared. Thank you Mrs. Woods.

Published at a month ago

Casey did an excellent job of taking the time to assist me in my dilemma! Kudos to Casey for being a kind knowledgeable employee.

Published at a month ago

Ambra and Denis were so helpful and kind. They shared different options and then walked me through the process. And all the while, being kind and courteous. I was so grateful for their assistance today.

Published at a month ago

Published at a month ago

Published at a month ago

Jason H was very friendly, knowledgable and efficient.

Published at a month ago

Isabel helped me a lot in scheduling my payment, she was very patient, professional and gave me the specific details to be able to make my schedule. He is the first person who speaks in Spanish. Thank you

Published at a month ago

I was on the phone with quaneshia.smith and Jason H (he denied to provide me with his last name, which is illegal. The FDCPA mandates that collectors must: Identify themselves, including providing their name.State the name of the company they represent.Inform the debtor that the communication is an attempt to collect a debt and that any information obtained will be used for that purpose.) Jason H answered the phone first, and We requested a service from him.Almost right away, Jason started getting loud and yelled at my brother and I. Instead of being a professional who addresses the issues his client presents to him, he overtalked us and yelled at us before ultimately hanging up on us. We called back and this time Quaneshia, Smith answered. She gave us her full name which indicates it is not within company policy to withhold from identifying yourself to the customers. Quaneshia said there is nothing she could do to help with our situation and started getting loud as well. She overtalked me multiple times, and when asked if I could speak to the management team, she said all the management team was in a meeting. Very frustrating experience, poor customer service care and lack of professionalism from their employees. Stay clear of this company if you want to avoid big time headaches.

Published at a month ago

I have always had a great experience with this lender. When I initially took out my car loan, their rate was less than my own credit union. For the first time in 3 years I had to reach out to customer service today. The experience I had with Michelle was above and beyond. She was so very personable and was incredibly helpful!

Published at a month ago

Have always been treated with great expertise and well informed people.

Published at 2 months ago

Published at 2 months ago

Tina was great to work with

Published at 2 months ago

Michelle was incredibly helpful when I called with questions, she not only answered my questions but also offered me solutions that I didn t know were available to me!

Published at 2 months ago

It is to early in my process with cinch to give them a complete and adequate review however I spoke with representative Ty this morning and he was very helpful in answering my questions and the understanding of his service was very appreciated.TY did a good job but the company, well I need some more time, this is my second payment and my first to dicuss any business with the company however getting to customer service were awful.

Published at 2 months ago

Published at 2 months ago

Received a competitive rate, scheduled automatic payments... Worked very easy!

Published at 2 months ago

Keeping a 1 star review. Worst experience with a Financial company Ive experience. They reached out, and proceeded to be no help. Also, amount grew to $600 plus a $5 processing fee. Absolutely ridiculous. Do not finance your car with Cinch, youll regret it. Refinanced my vehicle through my local credit union. Loan was established and check was received by Cinch Auto Finance. Was a month delayed in processing and now they are saying I owe them another $455 in accrued interest during that time, which is excessive. Feel I am being taken serious advantage of. Elevated issue with customer service and currently waiting to hear back on outcome of getting payment backdated. Or ridiculous accrued interest removed or significantly reduced.

Published at 2 months ago

Cinch has amazing customer service and their interest rates are competitive. I spoke with Casey Woods about an issue I was having through my Cinch app. She walked me through the entire issue, step-by-step.

Published at 2 months ago

Cheryl Has been so helpful with our new car loan. The dealership was a nightmare and she is saving the day!

Published at 2 months ago

Terrell Davis was a great customer service rep. He understood my issues and resolved them quickly! No hold time and no transferring the call! He was proactive and an amazing active listener. He understood the worry in my voice and accommodated my concern. He really saved the day in helping bringing my account up to date!

Published at 2 months ago

My representative was Casey Woods, she helped get to the right place to my pay off my vehicle; guiding me to the best option possible. Very patient and kind. Thanks again!

Published at 2 months ago

The CSR who helped me was great, patient and Knowledgeable. If I ever have to call back, I hope I speak with her again. Great customer service.

Published at 2 months ago

Casey Woods was incredible with her service and follow up

Published at 2 months ago

I Angela Jones just got out of the hospital, called and A Angel answered the phone.Her name was Ms.Casey Woods she was very knowledgeable about the questions I asked and she was very polite we need more people like her and she resolved my issue .Thank you Ms.Woods

Published at 2 months ago

Published at 2 months ago

I was having difficulty with the app, but I was connected with Jason Hedley when I called customer service. He sent me the information that I needed. As soon as I sent it back, he got it to the correct department within about 10 min or less!! Not only that, he emailed me back to inform me that the information had been forwarded properly. As customers, this is the service we look forward to and appreciate. Thank you, Jason!

Published at 2 months ago

Published at 2 months ago

Published at 2 months ago

Casey was incredible helping with our payoff over the phone when there were issues submitting the payment online. Grateful for her professionalism and help to us!!

Published at 2 months ago

my customer svc rep Casey, she was very helpful and kind. My questions were answered. Thank you

Published at 2 months ago

Called in to talk to Rep about my Father bill and spoke with Jason Hedley who verified the account through my Dad who gave Jason authorization and permission to talk to me about account. Jason was Awesome he was very professional and his Customer Service Skills was on point and he s golden! I want to give him a shout out to his piers and coworkers to let them know he s Awesome Mr Henry L Parker Sr Son Danny E Robinson

Published at 2 months ago

The customer rep Jason was a lifesaver! I was impacted financially by the latest Hurricane Debby, I attempted to defer my loan but was denied , I spoke with Jason who listened to my situation & he went above and beyond to communicate with his higher ups & ultimately was able to get my loan deferred for 1 month! This helps me so much getting back on my feet after the damages caused by the hurricane. Thank you again Jason & Cinch on behalf of my entire family !

Published at 2 months ago

Its ridiculous and a bit sketchy to charge a customer $4.95 to make payments online. I dont trust a company that does this! I see it this way; you mail a check to avoid the convenience fee then, they can claim they never received your payment resulting in more fees and a hit to your credit score. I will definitely look into refinancing with another bank.

Published at 2 months ago

Great customer service! Helped me with everything I needed.

Published at 2 months ago

Published at 2 months ago

Five stars for Ms Casey Woods. I am new to Cinch Auto Finance, Ms Casey was very pleasant and was able to answer all my questions re my new account. Thanks Ms. Casey!

Published at 3 months ago

Courteous and most helpful representative. Thank you.

Published at 3 months ago

Published at 3 months ago

I could not get into my account to make a payment. Veronica was professional and patient in helping to resolve the issue. This was a pleasant experience for me.

Published at 3 months ago

Published at 3 months ago

I was an idiot and paid my bill twice in the same month. Ms. Casey Woods straightened this out in a minute - no muss no fuss. Who could ask for anything more from Customer Service? Thank you!

Published at 3 months ago

Published at 3 months ago

Published at 3 months ago

Published at 3 months ago

Published at 3 months ago

Casey woods was able to help me turn off payments, and refund the last payment after totaling my vehicle. She helped make a stressful situation less stressful.

Published at 3 months ago

Published at 3 months ago

This has to be the worst company I have ever heard of. What company charges a direct deposit fee. I under stand if your using a credit card for a fee but come on! Do not finance through this company!!!!!

Published at 3 months ago

Happy with the level of customer service assistance provided with Lucy! I was able to speak with her quickly with my issue addressed immediately. She was very helpful and cordial during my call.

Published at 3 months ago

Published at 3 months ago

Not very happy with customer service/ loan modification team. I was trying to do a loan modification on my vehicle and I applied at the end of may/ beginning oh June and on June 21st I called bc I haven t heard anything and they told me they are waiting on proof of insurance, well I emailed that to a lady name Galvan. I haven t heard anything else so I emailed her back on July 4th. Still haven t heard anything so I called today for them to tell me she cancelled my request on July 1st due to not receiving the proof of insurance. I explained I emailed them to her and verified her email address so I m not sure what happened there. I asked to speak to someone from the loan modification team and they tell me they don t transfer calls to them. How am I supposed to communicate when the lady who was responsible won t communicate with me???

Published at 4 months ago

Lucy was very patient and she did an awesome job, she deserves a raise for sure....

Published at 4 months ago

Casy was great and extremely professional and provided an abundance of assistance.

Published at 4 months ago

Reading other people s one stars reviews I can corroborate what they re saying. Not a very good company. Customer service is really rude and not helpful. I m going to refinance my auto loan just to get away from them, even though refinancing would give me a higher interest rate. That s how bad this company is. Wouldn t recommend.

Published at 4 months ago

Published at 4 months ago

Published at 4 months ago

Casey is an amazing customer service lady! She walked me through step by step on what I needed and explained everything very clear!

Published at 4 months ago

Casey was absolutely awesome, prompt & respectful. I really appreciated it. To future business together *Cheers emoji*

Published at 4 months ago

Thank you so much Lucy Otis for helping me get my guest account fix you are a very patient and professional person thank you for taking the time to make sure step by step and thank you for answering all her questions I also appreciate your help and patience as well god bless you.

Published at 4 months ago

Published at 4 months ago

Kendall went above and beyond to help me when I him. He corrected a simple accidental error (on my side) and stated he would take care of everything. Sure enough he did! Thank you so much.

Published at 4 months ago

Kasey was instrumental in processing my request. Thank you!

Published at 4 months ago

Published at 4 months ago

I would not recommend this financial institution to ANYONE for auto loan lending. This company has monthly hidden fees in addition to your monthly payments. These fees were NEVER previously explained to me by the dealer I bought my car from or this financial institution. in addition to the complaint above, this financial institution has a issue with reporting accurate balances to the credit bureaus on time and they don t report monthly on time as required by Fcra laws. They are quick to report delinquent accounts or late payments but they take months to report paid off loans or accounts with 100% on time payments submitted.

Published at 5 months ago

DONT USE THIS COMPANY! We just purchased a suv. The first month because I was afraid of being late I called in the payment. The second month because I work for myself and I got busy the check was sent out 10 days late but with plenty to cover any late charges. I then receive 1 phone call that they had not received the payment on the 4th of the next month. I confirmed with them that it was sent and that I will check with my bank. At this same time I sent them another payment. 8 DAYS LATER THEY REPOSSESSED MY CAR WITH NO DISCUSSION. I confirmed with my bank payments where sent and confirmed with other bills that payments where received. This companys customer service is completely unacceptable. This is not how to start a business relationship with your customers. Find another loan company because this one is shady!

Published at 5 months ago

Michael did a fantastic job getting what I needed

Published at 5 months ago

Michael Bohannon helped me when I requested something to he emailed to me. He emailed me right away while I waited in the phone. He seemed glad to help.

Published at 5 months ago

I would like to say Thank You Brittany G. for helping me with my request ,she was very professional and helpful

Published at 6 months ago

Casey Woods was wonderful in helping me access my account. I had an auto loan with Cinch since 2022 and other than not being to access my account, it was a great company to work with.

Published at 6 months ago

I spoke to two people today and I would like to thank them for being so very helpful. They were extremely knowledgable and courtious. I wish all customer service people were a good as they were.

Published at 6 months ago

If I could give 0 stars I would. The customer service reps at this company are BEYOND rude. Within a year of being with them I have experienced about 6/7 disrespect employees. For starters they don t inform you about late payments they just add on the 10 fee and when I paid a extra $20 for my monthly bill they still didn t deduct it from the account they just brought the $10 to the next month and the rep stated you have to call them to inform them u want the money to go towards that when you would think they would automatically understand that but I guess not. I ve had reps hang up on me multiple times because they can t handle simple questions and conversations I ve also had a employee here recently tell me that you should listen because you wanna keep your car right even tho I was only 9 days past due . So glad to be done with this GHETTO company.

Published at 6 months ago

They remodified my wife loan without her consent! We signed with CULS! We were never contacted about Cinch taking over the loan. When I asked Cinch to provide proof that my wife agreed to refinance the loan. I get hung up on! I called back and asked for the proof to be mailed to us! We never received a copy of anything!!

Published at 6 months ago

Avoid cinch at all cost. The place is a joke. NOBODY returns calls and when you talk to someone they don t have answers and they person who does is never available. Zero stars

Published at 6 months ago

Published at 7 months ago

Ambra was amazing answering my questions!

Published at 7 months ago

Published at 7 months ago

Terrible customer service and I mean TERRIBLE!!! THUGS pick up the phone when you call the number listed. They do not accept principal payments REGARDLESS of how far out you have paid. This is after they told me they do before I accepted the loan through the dealership. They cant provide any paperwork saying I agreed. Greedy thieves!!!! STAY AWAY FROM THIS COMPANY!!!

Published at 7 months ago

So disheartened by Cinch Auto Finances callous way of handling a mistake. I requested a deferment on my $565.94 car loan so I could afford to pay for my lupus meds, I was moving to a new place, and needed to buy some books since I am a 52 yr old Liberty University grad student living less than check to check so I can chase Gods purpose instead of pleasure. I submitted my deferment request several weeks in advance. I received an email from Cinch on 3/5/24 advising my deferment request had been approved and accepted.To make sure, I logged into into my account on CULS website and yes, my updated payment schedule showed payment due 4/24/24. No further communication from Cinch. On 4/21/24 i logged into my checking account and it was overdrawn by $428!!! Cinch had STILL debited my account for the alleged deferred payment!!! So, I couldnt pay for my lupus meds or buy the APA book. When I spoke to the Cinch Auto specialist she suggested I ask the pharmacy to give me a portion of the meds. She said I was supposed to stop the payment!! Cinch NEVER sent me anything to advise that!! The associated overdraft fees ATE UP the money in my checking account. I dont know any company that gives Lupus meds without payment but thanks for the suggestion Cinch Auto Finance. As soon as I can pay my credit cards down, I am refinancing with another bank!

Published at 7 months ago

If I could give a 0 I would! Requested a title from VA to NM. Called them and they gave me fax number for title department .I filled everything out and submitted it to the dmv! A month later nothing! I go back to dmv they said we submitted request same day. I call cinch back they never received anything telling me I got the wrong fax number but I spoke with the title department! Stay away as far you can. Also if you late a day from the first of each month they tag on additional late charge ! Will pay off soon so I don t have to deal with these crooks anymore! They are incompetent at every level of the place and have nasty attitudes!

Published at 7 months ago

There was a problem with my account I spoke with Mechelle twice in reference to the problem. She was so helpful, patient and kind helping me. She is an asset to your company.

Published at 7 months ago

Casey Wood at Cinch Auto Finance provided quick and courteous service to notify that my title would be mailed soon since I paid my auto loan in full.

Published at 7 months ago

Casey Woods was so helpful today. She went out of her way to help me with a huge problem. Thats great customer service. Truly amazing Thank you again.

Published at 7 months ago

I purchased my son s vehicle. Sent these clowns a payoff check which was cashed a month ago and still haven t received the title. They just keep saying one more week. I would never do business with this company.

Published at 7 months ago

Ambra was the customer service representative that helped me. She was very polite and helped me with my problem very quickly

Published at 7 months ago

Take my word for it go elsewhere I hope everyone research this company before signing with them.

Published at 7 months ago

Sold my car to the dealership in February, and forgot to turn off auto pay. They sent the payment electronically on the 26th. My autopay was still taken out on the 1st. I called on the 4th, was told that I would be refunded that week. Didnt receive an update, so I called again today just for them to tell the dealership called and paid off the amount after my payment. However, that isnt true, and they sent an overpayment check to the dealership that is now being forwarded to me. Insane that they do not have a better system internally for tracking these, and tried pinning the blame on the dealership and told me tough luck.

Published at 7 months ago

Not happy with Cinch. I will never finance with them again!

Published at 7 months ago

I paid off my loan. The following month they stole another payment out of my bank account Via EFT and refused to send it back that way. I am being told that it will take approximately 20 business days to get my stolen funds back.

Published at 8 months ago

Tatiana Graham made my call in experience with Cinch auto finance easy and enjoyable. Ms. Graham had a pleasant and helpful demeanor which moved things along effortlessly. 5 star service.

Published at 8 months ago

Casey Woods was great! She helped to research my account for me and offer alternatives to my initial request. Great customer service!

Published at 8 months ago

Funny, professional and understanding. Answered all my questions and she also, asked a few to me which made everything for understandable. Thanks for the support.

Published at 8 months ago

Doing this for Ambra she was so nice

Published at 8 months ago

Shay (Sharen R.) was absolutely amazing! After the nightmare of almost 2 months and dealing with a CSR prior to her, she helped me and finally got what i needed done! She was patient and kind with me. I never felt rushed or felt like i was inconveniencing her by calling. She definitely went above and beyond to help me and she is a true definition of what a customer care representative embodies! Thank you Shay!

Published at 8 months ago

Yashiraa is very helpful and understanding thank for all your help

Published at 8 months ago

I worked with Casey Woods with Cinch Auto. I had a problem and she was there to help. Excellent customer service.

Published at 9 months ago

Ive had no problem with culs/cinch Thank God my vehicle is paid in full now and I would use this company again if needed

Published at 9 months ago

Absolutely terrible, held my title hostage

Published at 9 months ago

Shay is a superstar! Her professionalism, knowledge, demeanor and her willingness to help with a positive attitude made my experience fantastic! Make sure to keep her!

Published at 9 months ago

I was in a bind Ambra was great. I appreciate her so much not only did she listen she gave me the best option from my situation.

Published at 9 months ago

I would give them zero Stars, theyre very rude even if I pay my car payment on time they still wait days to take it out and by that time my other bills have already came out, then the negative my account and then send the money back, this has happened 3 months consecutively, my Bank regions wont take responsibility and neither will cinch Auto, I would recommend trying to steer away from financing anything, but especially do not financed through cinch Auto, I am not happy, will never go through Andy Mohr again, and Ill stick to anything but financing, interest rate is insane and so are the payments

Published at 9 months ago

Sharen Rodriguez was an absolute delight! Her customer service was on point and she was so helpful to me in my time of need. I hope to work with her again! Thank you Sharen!!

Published at 9 months ago

I received a letter that any person unfamiliar with credit agencies would have determined as threatening. When I called first question I was asked was May I have your social security and account number. I said no on my social and gave the account. We were denied a loan based on a credit freeze. We had already received financing and my credit score is 832 with an income in the six figures. When I asked what this was about and it sounded like a scam I was assured it was a routine letter. I then asked why did you ask for my social and account. The lady said I asked for your social or account. I requested they play back the recorded message. She said she would have her supervisor listen to it. I said great play it over the phone. I am a criminal defense attorney and the last thing you should ever give out over the phone is your social security number. Do not trust any company to give your social security number. Especially over the phone. She started to argue and I said mam unless you will play the message I am not going to argue. I realize technology has reached its limits when a call that is being recorded can only be listened to by the company itself. What a joke. Sorry if they are legit to the person I spoke with, but I would recommend not sending a threatening letter and then asking for a person s social security number. I would never recommend this company.

Published at 9 months ago

Such a nasty company, Never recommend this to anybody.

Published at 9 months ago

Cheryl was extremely helpful and understanding, excellent directions as I navigated to set up account! Very positive and encouraging, and easy to work with!

Published at 9 months ago

This place is absolutely trash. They will scam you into a repo and then hang up on you when you try to get any information from them. They never sent the payoff requested and instead repossessed the car 2 DAYS AFTER they reassured us it was in a payoff status. So now to get the car back is more than double the amount. Wish I would have seen their reviews and refinanced far far away. Go literally anywhere else besides cinch they are AWFUL. Edit to add: positive reviews are FAKE. And they responded here but have done nothing to fix the situation.

Published at 9 months ago

Sent a payment to Fla as it says on the app in Dec, Check has been deposited but is not posted to my acct. No one seems to know where the money went to.

Published at 9 months ago

Published at 9 months ago

The customer service representative I had was amazing! I was SO STRESSED about the problem I had and she did what she had to do and helped me fix it quickly. I don t remember her name but thank you so very much!

Published at 9 months ago

Gordon was very helpful and provided answers to my questions.

Published at 9 months ago

i paid my car on time every month. Now that my car is paid in full they want to snail mail me a refund instead of electronic payment which means i will have to make 2 car payments this month. Im furious as my overpayments has been made to keep from being in default and now my paper check wont even go in the mail to me until 2 weeks from now. Absolutely poor customer service!!!

Published at 9 months ago

Published at 9 months ago

Spoke the Casey Woods after trading in the vehicle to see if the payoff letter had been mailed and they received the Gap refund with Warranty monies. She said the check would processed in the coming days. Other banks or credit unions can t even verify this and with Cinch being relatively new to the game they are making big steps. They have answers.

Published at 10 months ago

A disaster. My loan was originated through their parent company called CULS or Credit Union Lending Source but I dont think theyre a credit union, just using the name for credibility so you wont see Cinch on the loan till its transferred. They made internal accounting/ACH errors then added on over $2500 in fees and threatened to repossess my car (actually sent it out). Cinchs BBB rating in Georgia is currently 1.02 our of 5. Says it right there, nuff said. Have currently filed complaints with everyone I can come up with until I get something from them other than demand notices. I believe the rating here is pumped up, their Georgia BBB score is 1.02/5.

Published at 10 months ago

Completely DISRESPECTFUL staff, Im constantly having issues with this company. They double charged my account and REFUSED to give my money back, when I mentioned getting in contact with a lawyer the girl on the phone says Go Ahead I honestly dont know how this company still works when theyre just awful disrespectful people!

Published at 10 months ago

I had the absolute pleasure of speaking with CSR Shay on 12/26/23. I wanted to pay off my car, but to ensure that if I paid by phone, I would still receive written confirmation of payoff to the Loan Processing Co. Ms. Shay said I could pay on line, but I had trust issues with security ; she said I could also pay by phone and she provided the #, but added there would be a $10 fee. I am a Senior, and every penny counts (I did not say that to her), but I agreed. I think she must have picked it up in my voice, and all of a sudden, she said I will take your payment over the phone and I will also waive the fee. I could not believe it!!! Shay was that sensitive to her clients needs. In all honesty, this is the typical experience I have had with CINCH AUTO / their CSRs. That kind of response to clients comes from top down. I would encourage anyone in need of Auto Financing to seriously consider CINCH . Thank you, SHAY, and Thank you CINCH! Happy and prosperous New Year!!!

Published at 10 months ago

Casey has been outstanding while assisting with my duplicate payment issue. Following up on the issue has been the highlight thus far as I am big on communicating effectively. Any question I had, Casey was able to answer. Highly recommend this Credit Union.

Published at 10 months ago

Costs $4.95 to pay your bill no matter phone,online,app...I am on fixed income so i mailed my payment by check cost- of the stamp.after a year and a half my payment got lost in the mail.i had to pay $36 stop payment. paid 2 months to catch it up they charged me S$13 late fee although they believed me i had a carnbon copy of it.

Published at 10 months ago

2 problems: 1. They don t follow proper etiquette when calling clients on the phone. 2. They send abrupt, rude, and condescending letters. I purchased a new car and the dealer selected Cinch. They said payments would be on the 28th of the month, I put in my bank info for auto-pay and all seemed OK. This morning I got a call from a person saying that were from Cinch and asked me to provide my account details. (You should NEVER give personal details to someone calling you.) He refused to say why he was calling and ended the call. I logged in to the Cinch portal and saw they did not take out the initial (Nov.) payment. I called customer support and found out I also needed to schedule the payments. It seemed odd since they told me when they would take the payments, but I paid the Nov. payment. I was not 30 days late, so I scheduled Dec and the rest. This afternoon (same day as the call) the mail had a Notice of Default letter from Cinch. It referenced Cinch being lenient in the past, but they would no longer allow it. Again, this is for the initial payment. There is no past history. I called customer support again, just to officially record my displeasure with the content of the letter. Customer support staff was very nice, but there is nothing they can do.

Published at 10 months ago

I m loving everything about working with Cinch. The app is easy to navigate and it allows you to make payments rather than have to pay your entire balance at once. I called recently to see if I could get my due date moved back, in order to accommodate my paydays. An employee named Casey Woods helped me and was able to take care of my situation quick and easy. Cinch is perfect for auto financing.

Published at 10 months ago

Ambra was very kind and helpful. Cinch has been wonderful to work with and I would finance with them again. Thank you!

Published at 10 months ago

Was not a fan..disconnected multiple times..was charged $15 fee for making my 1st payment via debit card by phone when I was told it would be waved..I have refinanced and saved 2% on the interest.

Published at 10 months ago

I was helped by Lucy Otis and they were fantastic!

Published at 10 months ago

Shay spoke with me for almost an hour resulting lots of issues. If someone with cinch reads this, please have a place for any added fees to be seen on the main screen of app and a way to easily pay the fees, and also not allow double auto payments as I had 2 attempting every month which added fees with cinch and my bank. Thanks.

Published at 11 months ago

Awesome customer care and service. Casey was so caring, polite and kind in assisting me with my account. Been with Cinch for a year now.

Published at 11 months ago

great job casey woods. really curteous and helpful

Published at 11 months ago

Thank you Casey Wood for your help today. You were very informative and I appreciate your wonderful and pleasant customer service.

Published at 11 months ago

The best costumer service CASEY is the best really professional and nice she didnt rush the conversation and she help me with all that i needed.

Published at 11 months ago

My car was totaled after being rear-ended, and I had some questions about how to handle it with the insurance company, and Shay with Cinch was very helpful and efficient in handling my questions and concerns, and no question seemed too small for her. I really appreciate the terrific service.

Published at 11 months ago

I just spoke to Casey Woods and she help me with the question that I had about my acct. She is very polite and helpful. Thank you for your help.

Published at 11 months ago

Casey woods was amazing assisting me during financial hardship. Wonderful lady. Thanks so much!

Published at 11 months ago

I spoke with Ms. Casey Woods in reference to obtaining a payoff letter She was professional, knowledgeable and her customer service skills was outstanding. Thank You

Published at 11 months ago

Casey Woods was very helpful today. I was trying to get an issue resolved for 2 months and when I spoke with her today she helped me get the issue resolved in little as 30 minutes. She jumped right on it and provided a call back number so that I could deal with her directly if I needed to call back in which I didn t because she resolved it for me quickly. If you are having a issue that needs attention quickly, ask for Casey Woods she will go far and beyond to help you out and if she can t help you, she will have her manager to help assist you. The both of them are quick and helpful in getting your issue resolved, I will recommend them to anybody because they will let you know and show you they are there for you!!!

Published at 11 months ago

I called Cinch Auto Finance last week to get some information on my account and had the privilege to speak to Shay and then later to Yashira Sinclair. I have to say both of these customer care associates were very professional and answered all of my questions. I was very pleased with the professional and friendly help. Thank you.

Published at 11 months ago

Published at 11 months ago

Handled the payoff of my car thoroughly and expeditiously!

Published at 11 months ago

Gordon was excellent and very knowledgable

Published at 11 months ago

Gentleman answered all my questions and was very professional.

Published at 11 months ago

Ive had the pleasure of using Cinch for the past 3ish years for my car loan. Their customer service has always been top notch! Today I spoke to someone named Michelle as well as Gordan Edwards. They were both extremely polite, knowledgeable, and helpful. I am very stressed handling multiples life events, and they were understanding and made solving the issue I had super easy and stress free. I would definitely recommend Cinch for all of your auto loan needs.

Published at 11 months ago

Cheryl was very helpful in answering my questions and resolving my issues.

Published at a year ago

Awesome company ,very friendly people ,thank you.

Published at a year ago

Loved working with Cinch auto for my auto loan they were always helpful and kind.

Published at a year ago

Shay answered my questions and solved my issue very efficiently. She was professional, warm, and polite. It was a joy doing business with her. She made my day so much easier. Thank you, Shay.

Published at a year ago

Published at a year ago

Ive experienced nothing great customer service from this company. Most recently, Casey Woods handled my request with no problem and in record time! Awesome customer service!

Published at a year ago

Published at a year ago

Before you get a loan ask the dealership who will be financing your loan. If they say FinchAuto Financing, shop somewhere else. Its not worth the fees 9.95 per month or the headache of why you receive.

Published at a year ago

So Far so good! Been with Cinch since earlier this yr. Today I had the pleasure of being assisted by Cheryl.. Very patient with my issue and even more patient when I changed my mind. She helped me resolve my issue and she is greatly appreciated!

Published at a year ago