Auto lender · complaint record
Horsepower Financial complaints
Filed under Horsepower Financial, LLC
Consumers have filed 7 complaints about Horsepower Financial since 2025, 7 of them in the last 12 months. It answered 57.1% on time and closed 0% with relief for the customer. The most common problem is getting a loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 7
- Last 12 months
- 7
- Answered on time
- 57.1%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #57 of 193
Since December 2025
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Nov 4, 2026
Most complained-about auto lenders
Horsepower Financial complaints by month
The busiest month was June 2026 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Horsepower Financial answered all time
- Closed with explanation7100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Horsepower Financial complaints are about
Top Horsepower Financial problems
Inside "Getting a loan or lease"
- Credit denial 1
- Loan opened without my consent or knowledge 1
Where Horsepower Financial complaints come from
Most complaints: North Carolina (2), New Mexico (1), Ohio (1), Texas (1), Arizona (1).
Horsepower Financial compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Horsepower FinancialAuto loans & leases | - | 7 | - |
Compare side by side: Horsepower Financial vs The Savings Group · Horsepower Financial vs AC AutoPay LLC, Denver, CO Branch · Horsepower Financial vs CARS Acquisition · Horsepower Financial vs EA Holdings
What people say about Horsepower Financial
All experiencesNo experiences with Horsepower Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Horsepower Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 4, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Jul 13, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 20, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Jun 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 9, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Dec 6, 2025 | Auto loans & leases | Getting a loan or leaseCredit denial | Explained |
Questions about Horsepower Financial
How many complaints does Horsepower Financial have?
Horsepower Financial has 7 complaints on record since December 2025, including 7 in the last 12 months and 1 in the last 30 days. That makes it number 1,664 of every company by complaints this year.
Does Horsepower Financial respond to complaints?
Yes. Horsepower Financial answered 57.1% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Horsepower Financial?
The most common problems are getting a loan or lease (2), problems at the end of the loan or lease (1), problem with a company's investigation into an existing problem (1).
Is Horsepower Financial legit?
Horsepower Financial is a real company with a public complaint record: consumers have complained about it 7 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Horsepower Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Horsepower Financial?
Complain to Horsepower Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Horsepower Financial complaints come from?
Most come from North Carolina (2), New Mexico (1), Ohio (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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