Customer ReviewsforCommunity Choice Financial, Inc.

This is a 250% annual interest rate loan against a car title for $4,000 and a car worth around $50,000.If you use the complete amount, interest is $900 a month. This type of loan is hardly possible to pay back and it amounts to praying on people that do not have the financial saavy to know any better, It is no more than a loan ******** should be illegal to charge anyone this type of interest rate. I cannot believe there are not laws against it. this is praying on people that don't know any better. If I could select 0 for the star rating I would.

ZERO STARS. Borderline, if not outright, predatory company taking advantage of people with ********** or in tough positions. Luckily I have more knowledge and resources than most title loan customers. This company will do everything possible to keep you on the hook forever. They call you constantly, beginning after your FIRST PAYMENT to try and re-loan you any money you have already paid back. They also get very clearly annoyed if you are able to use your own insurance policy instead of being forced to buy a second policy through them at $200+ per month. If you take out a $2500 loan and are forced to buy their insurance, your payment will be over $300 before any of that money goes toward your balance. Once you do pay off your loan(if you are lucky enough to ever do so) they couldn't be less concerned about doing what they are supposed to do to get you your title back or remove the lien from your insurance policy. They are rude and seemingly miserable in their jobs. Absolute terrible experience from top to bottom. This type of loan really should be illegal. They are basically loan sharks. Actually, i think a loan shark would probably **** you a better deal than this place. Not only do they not care if you ever pay the loan off, they actively try to prevent you from doing so in every way they can. This is a horrible and predatory business model. Don't fall into their trap!

A Very Disturbing Experience I want to share my troubling experience with TitleMax during a difficult time. While facing my father's terminal illness and unemployment, I turned to TitleMax for a title loan, hoping for a temporary solution. Instead, I encountered predatory practices that worsened my situation.Despite being unemployed, TitleMax approved me for a $6,150 loan at a staggering interest rate of ******%, resulting in monthly payments of $1,512.56 and a total repayment of over $10,500 after seven months. This felt exploitative, especially since they knew my struggles.The type of employees they hire is concerning. Many managers are inexperienced and lack proper degrees, making ethically questionable decisions to meet quotas. Instead of skilled salespeople, TitleMax opts for quick auctions that prioritize profit over the customer's well-being.I was encouraged to apply for a job based on my management experience, only to learn they dont hire current customers. My applications to other locations were overlooked for younger less experienced representatives, adding insult to injury.When I had to surrender my vehicle- my only means of transportation- I was devastated. The car was auctioned for a fraction of its worth, and now TitleMax is pursuing me for the remaining loan balance, adding financial pressure and negatively impacting my mental health. The manager, ****, deflected responsibility, insisting I should have understood the terms. This felt callous and ********* summary, my experience with TitleMax reflects a pattern of predatory lending and unethical practices. They prioritize profit over people, employing staff who lack business sense and the knowledge to navigate sensitive situations. I dont understand how they are allowed to operate with such insensitivity. I urge anyone considering a title loan to think carefully and explore other options. Sharing my story is my hope to raise awareness and help others avoid similar pitfalls.

Me and my finance took a loan out over a year ago and notice that the payoff amount was not going down so we called the location to speak with someone and was told that our loan was for 3 years with a payoff amount of $10,000 even though the original loan amount was $1500 and we were never told that loan term was 3 years @228% APR we were told the loan term was 12 months we feel robbed and tricked.

If I could give 0 stars to this company as a whole, I would. This company has given me issue after issue. I have been trying to work with them for a while on getting my car back into my possession and to make a payment plan but they are declining this solution. I have been waiting on a call back for 2 weeks from any supervisor and no one is calling me back. I have offered to pay what I can & to make monthly payments to where I can pay off my balance over 3-4 months. They have no understanding or compassion when it comes to their customers in need. There is no empathy for people. There is a huge lack of human decency within this company. My brother is stuck in Florida, he was on his way to move with me because he is my caretaker but my car was repossessed. Hurricane Helene came and I am stuck without power, water, food, & transportation. He is about to be stuck in Florida all while this new storm is coming. I need him to help me. This company does not take care of good customers. ****** ***** is the only person within this company who is trying to help. This company needs more people like ****** *****.

I paid off my title loan back in July, 2024. I have now made four trips into the speedy Cash location because I still have yet to receive my title. I handed my title when I got the original title loan to them I paid off the loan with substantial interest so I don't understand why it's so hard for them to give me my title back? I've heard horror stories of cars still getting towed despite the loan being paid off. They are offering no solution, they just keep telling me to wait, wait... Why am I waiting the agreement was I give you the title I get a loan I pay off the loan I get my title back? Definitely unfair business practice

Overcharging costumers monthly payments, you never pay off your loan.

Terms and conditions are not explained correctly. For instance, they will give $2000 they will tell you your monthly payments are $500. What they dont tell you is that $500 just so every time you make a payment to them they keep your $500 and your principal gets higher and higher so for instance, they will tell you in the office, you owe us $2497 so after you start making payments you look at your paperwork and it will say $4737 by then its already too late cause these people already have your title so they will tell you if you bring us $3800 your loan is paid off knowing that most people do not have $3000 on top of $500 payments so you could be making payments forever and never pay this off when they need to be upfront. Were gonna give you $2000 and if you dont pay $2000 back , were gonna charge you $5000 until you pay it back. This is not this is not a fair practice so literally these people can collect $500 every month from you and keep that as interest and the payments will never go down and you will never pay your vehicle off because youll be paying interest forever until you can come up with three to $4000. It depends on whatever they feel like charging you then when you ask for documentation they give you the runaround you go to the website and you cannot access documentation , so you have no access to this when you explain these terms look at you and say Im sorry, but these terms I feel like this is entrapment

Mister ****** is the worst person to talk to. I had a fine experience with them until ****** started harassing me over a check that I have proof they cashed my check (your job's payroll can check stuff like that) 4 days ago. He's been harassing me over this for a week now. Since before it was cashed. He keeps calling me and screaming at me and when I finally had enough he started hanging up on me.

I borrowed $300 from Speedy Cash about a month and a half ago. They told me I would pay $380 back in full. Now they tell me it $480 I got to pay back, and I could pay $ 85 a month but that wouldnt go on the loan. I never heard anything like that and this isnt what they told me when I got the loan,and is this legal?