C&F Finance Co

Try being approved and having your vehicle for 2 1/2 weeks and being called back to dealership and being told you loan did not go through. We tried calling them to see what the problem was and they would not discuss it with me. I was told to call the dealership but yet my first payment was due in 13 days.No matter how poor i am i will never try to get a car through c& f finance company.This is a poor way to do business, and to treat a customer this way.I have worked in public for 20 years and have never treated customers like this.My bosses would have my but.I hope with the recession going on now that this company and the car dealership BANKRUPTS!!!!!!!!!!!!!!!! DO NOT TRUST THESE PEOPLE THEY ARE UNTRUSTWORTHY!!!!!!!!!!!!! Cons: THUMBS DOWN more

Have been with this company for a little over 6 months, I'm late with payments more often than not due to health complications and work payroll dates being less than timely. They have always been courtious and have always tried to accomodate me. Pros: courtious, acomodating and I give them a Thumbs up Cons: None as of yet more

If it is ANY solace to these customers C&F Finance Company treats its employees poorly. As someone who was with them for a number of years I can attest to that fact.\r \r ""Special"" Finance companies make loans to people with poor credit expecting that a high percentage of their customers will have repayment problems in the future as the best predicter of future repayment history is past repayment history. People with poor credit really need to think twice before purchasing a new or fairly new used car. Due to interest rates people with poor credit pay a higher percentage of disposable income for car payments than do people with good credit. Persons in special finance programs should be looking for only basic transportation and forgo luxury vehicles or SUVS and heavy duty trucks. They also should remember that that payment of $400 to $600 has to be made at Christmas time, when a wage earner misses time due to illness, when a parent or sibling dies, or if a child needs to visit the emergency room. Because you have saved $1000 for a downpayment over the course of a year does not mean that you can afford an expensive car payment month after month for 60 months. Also remember that car salesmen are going to try to convince you that you can refinance the car after one year of paying. SPECIAL FINANCE COMPANIES DO NOT REFINANCE THEIR CAR NOTES!!!!!!! Unless you are a member of a credit union or have a family memeber to co-sign for you at a small local bank, the chances of refinancing from special finance to regular finance within the first three years are practically nil. Take control of your finances and life and do not give in to high pressure sales techniques. If you can not easily afford the car payment walk out of the dealership. more

We have our vehicle financed through this company and they are AWFUL! At the onset, we never received any type of welcome package or courtesy call which told me that they really didn't care for new members. We had a premature baby, born 2 months early and were in the hospital for quite some time, so we unfortunately fell behind on our payments. When we contacted the company, or were contacted BY the company, the people were rude and hateful. They didn't care that we had a child in Intensive Care or that my wife was in critical condition, they just wanted their money. They wouldn't work with us to accept a partial payment. Nope, they don't do partial payments so don't even try. Truly, I wonder what they would do if we sent a partial payment anyway? Would they reject it, apply it to our account, or pocket it for their personal shopping? I'm in the customer service industry myself, and I would never treat people that way. I understand that there are people out there that ""work the system"", but even then, they should never be treated in the manner that my family has been treated. We don't like the thought of refinancing our vehicle, but really want to do so with another company just to get away from this awful group. Recommendation: even as a last resort, DON'T use this company! They should go out of business!!!!! Pros: they are a local company Cons: everything about this says they should go out of business! more

My advice is to never go with a loan office that ask you for more than two contact people. Because if you don't want anyone knowing your personal business then you need not even look at this company. With the way the world is today that everything is going up except your pay checks then you have your kids to care for, you fall behind sometimes. If you are a day late they are calling your house, job, cell phone, and family members. They need to understand that if they call and leave a message then when you get home or receive it you will call them back, but no they will call you 2-3 times in one day then start calling your family members. Just stay away from this company!! Pros: have none Cons: everything about this company more

I am almost finished paying this lousy company off. October CANNOT come fast enough. That is all that I will say about that. Be the first of your friends to like this company (on Facebook)...Yeah fuc*in right! Is there a dislike button??? Who trained these people? George Bush!!! I had an ex employee of theirs even tell me how much he HATED working for them and next thing I knew - he was out of there. I hope he didn't lose his job, but I do hope that he went somewhere better... Pros: NONE! Cons: EVERYTHING ABOUT THEM - INCLUDING THEIR EMPLOYEES more

I haven't been with C&F Finance Company very long, however, I would never recommend them to anyone. Single mother got into a bit of a slump due to income issues, they would not let me make partial payments. They called me 16 times within the FIRST month of my purchase to verify my information and make sure I was going to make my payment on time. When I sent in a partial payment, they called my work, home, and cell phone at least 10 times a day wanting me to pay to remainder or they were going to repo my vehicle. When they couldn't get in touch with me they got my family involved. I have written a letter to them stating that I had voice mail on all of my phones and if they included my family one more time I was going to suit them and contact the Better Buisness Bureau. Since then my account is up to date and it is finally quite. I have spoken to two different people about changing my payment due date and gotten two totally different responses. One wants to charge me for it then stated that I couldn't because I hadn't been with their company for a year and the other says it's free as long as you sign up for automatic withdrawals. Needless to say, I don't plan on giving this company any of my banking information. I have on the other hand been trying to get other companies to refinance my vehicle so that I may get away from this company. My advise, don't go with this company at all. They charge you for everything extra. Pros: they helped me get into a bigger vehicle for my family Cons: everything about their services more

C & F finance is a terrible finance company! The company was given by the car dealer for our new car. It is a company that deals with people that they feel might be at risk. Our payments had been on time every time for 2 1/2 years- suddenly life threw a curve ball --the payment was 1 WEEK behind and they decided to threaten to repo it!! Then they said I could call and for $50 extend my payment for another month-This company is crazy - one time they called and got a payment from me then called my hubby and got a payment from him--then refused to give one payment back!! AVOID AT ALL COST!!! Pros: NONE! Cons: Shady, unreasonable, and disrespectful more

they moved our payment date. it messed us all up. then they did not set the allotment up proberly on there end. it was all screwed up. then they wanted us to come out of pocket for there mistakes. THEY ARE VERY VERY VERY VERY BAD! Pros: I CAN ONLY THINK OF CONS Cons: BAD BAD BAD BAD more

I was trying to find there web page to see if I could fill out and application but could not find it more