Service Finance Company, LLC is a nationally licensed sales finance company and an approved FHA Title I Lender. We are a primary lender providing installment loan solutions for qualified borrowers with favorable consumer interest rates and extended repayment terms. Our program strives to produce a low monthly payment that may offset the energy savings... show more
Service Finance Company Reviews
5
23%
4
3%
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3%
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2%
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69%
2.1
107 reviews
107 reviews
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Service Finance Company
sherrgail @sherrgail
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1 Star Rating
I have been treated poorly, even though I have been a customer for over 4 years. Do not use this company; they are money-hungry and not pleasant to work with.
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Service Finance Company
Joe Fi @jaf3620
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1 Star Rating
It is indescribable how this company operates. They have no idea what is going on. Never, never do business with them. When you call for information, the person you talk to has no idea what is happening. No one there does. We set up auto-pay for interest-free financing, and every month I receive a past-due letter. When I called, it was like talking to someone whom you had to solve a riddle for. They are the worst company on the planet. So finally I just paid the balance in full not to deal with them anymore. That was there plan they charged the retailer for the interest free and they got paid in Full 7 months in advance. They made a score they not only screwed me they screwed the retailer also.
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Service Finance Company
john van @jvandenburg63
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1 Star Rating
We were trying to get our customers financing for months. Dealing with Amy is worthless and very unprofessional. I'm not sure how she even has a job. It tells you a lot about the company. Don't waste your time with this company; there are plenty of other professional companies to deal with.
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Service Finance Company
Charles Phelps @cphelps2md
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1 Star Rating
Fraudulent business. Do not use. I was referred to SERVICEFINANCE COMPANY by STATEWIDE REMODELING for a $35,000 plus window project. I made the requested payments by direct draft on time and ended up being charged $9332 interest. It’s virtually impossible to reach them by phone. I have advised STATEWIDE REMODELING they should at no time refer their customers to these crooks!
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Service Finance Company
Mayme Merino @mayme612
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2 Star Rating
I was offered this loan from Kovack Mechanical for a new HVAC unit. I have been trying to dispute a discrepancy between the total amount borrowed and the balance due for the past month. They have me owing them $1,000 more than I do. I was told that a complaint would have to be filed and another representative would be assigned to my case. I have called numerous times only to be told that the person in charge of my case is not available, and they do not know the status; all they can do is send him an email. I have emailed him a copy of the contract and have followed up with several emails. No response. I have also called the contractor, and they tell me they do not know why this happened because the payoff amount they received from Service Finance LLC does not match what they billed for. I am very frustrated with the handling of my complaint.
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Service Finance Company
mike Salway @spcharger392
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1 Star Rating
If I could give no stars, I would. We financed a central air unit through Issacs Heating and Air Conditioning. We received the billing statement for the amount of $4,486, which we paid in full. We then received another bill for $46.47, which they say is interest, despite our payment in full before the next billing cycle. They refused to waive the interest. I will never do business with them again. Instead of a thank you for such a large payment, all I got was a statement saying I owe $46.47. Louis, who is a supervisor, was very condescending and sarcastic. "Let me read what it says on the back of the contract," he said. "We won't close the contract until you pay the amount owed; it will stay open." This is terrible customer service.
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Service Finance Company
Di Bak @di530
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1 Star Rating
Call the company after receiving a letter of notice about a proposed UCC-1 on my property because the account was 32 days late. A UCC-1, no joke! Wait time was over 15 minutes. The lady was not helpful. No management was available to take the call or explain the details. Stay away from this company!
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Service Finance Company
Erma Knarr @ermaknarr
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1 Star Rating
This company should be reported to the Attorney General and the Better Business Bureau. Every single customer should receive a full refund and have their balance canceled out. They don't send statements out and expect you to pay a late fee. Today's excuse was the post office. They don't deserve a rating; it would be a negative number.
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Service Finance Company
rb dem @r_demotte
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1 Star Rating
My payments are due on the 15th. I scheduled my payments on the 1st. Some of my payments processed a couple of days earlier, so the scam is that the payment was processed as going to principal, and then my next payment was considered late, so they charged me a late fee. I wonder how many people they do this to.
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Erma Knarr @ermaknarr
I never receive my statement on time and they want me to pay a late fee. I refuse. Today they used the excuse, the post office is having problems. I am so frustrated with them. The company that did our siding was not experienced and the siding keeps falling apart.
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Service Finance Company
mad customer @hgee0420
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1 Star Rating
I qualified for a loan contract through them at the end of January. I have sent numerous emails and called several times to get a copy of my contract, but I have received nothing. Their website gives me an error message that says, "Contact customer service", but customer service has no record of this. I can't get a human on the phone ever. It's an absolutely ridiculous company.
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Service Finance Company
Doug Dankworth @dankwodo23
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1 Star Rating
This company is evil. I had outstanding loan for $9,400 and I paid it three weeks early. However, I accidentally underpaid it by $30 and they immediately sent it to collections. That cost me 121 points on my credit score. As a senior, this is very injurious for our modest means. I tried to plead with these heartless people—why would I try to skimp on a $9,400 loan by $30?
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Service Finance Company
Kc Dough @kdough1742
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1 Star Rating
PREDATORY - do NOT use. They will offer you a 12-month promo period that entices you to take the loan, but then they retroactively apply a 17.99% interest rate if you don't pay the loan in full within 12 months. So it's NOT a 0% loan (which is what your contractor will tell you); it's an 18% deferred-interest loan with retroactive application.
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Service Finance Company
Jay Hurst @jspoonz80
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1 Star Rating
I would leave this company no stars if I could. Yet, it's not completely their fault. They are the sharks; the company you really need to look at is the one who fed you to them. I called the company that led me to this. So, if you've been had by this vicious cycle, leave a bad review for the company that directed you to them. That's how you put these people out of business. Companies will stop using them. But hey, we live and we learn.
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Service Finance Company
dennishook @dennishook
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1 Star Rating
Total ripoff. The total loan was approximately 7k. I paid 1000 for the first payment, but because it was a few days late, they said the benefits were gone and reverted to the full 25ish percent interest rate. Never received any terms and conditions in writing, ever.
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Service Finance Company
Charles Hoeferer @choeferer
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1 Star Rating
This company is a scam and will steal your money. The interest rate is exceedingly high. How do they expect you to pay off the amount when barely anything is applied to the balance? They don't inform you until you receive your paperwork in the mail.
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Service Finance Company Q&A(13 questions)
Get answers to your questions about Service Finance Company below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The Service Finance Company personal loan credit score requirement ranges between 600 and 680, depending on the program you choose. Since Service Finance Company works with many different contractors to provide financing, different options have different credit score requirements. If you want to inquire about options for your credit score, you can call customer service at (866) 393-0033.
You can set up AutoPay for your Service Finance Company personal loan through your online account. You can find the option in the payments section, and you will need to provide the routing number and the account number for the account from which the funds will be withdrawn each month.
You can pay a Service Finance Company personal loan by going to the company's website and clicking on "Make a Payment" in the top right corner. To pay over the phone, call Service Finance Company at (866) 393 - 0033 and press "5." Make sure to call from the phone number associated with your account.