Share your experienceShare
Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Auto loans & leases

Struggling to pay your loan

Consumers have filed 19,987 complaints about this, 3,156 in the last 12 months (+40%), against 1,113 companies. The most complained-about is OneMain Financial. Companies closed 4% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Denied request to lower payments5,24726%
  • Loan balance remaining after the vehicle is repossessed and sold2,76714%
  • Lender trying to repossess or disable the vehicle2,71314%
  • Problem after you declared or threatened to declare bankruptcy5383%

By month

By state

ALAKAZARCACOCTDEDCFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPAPRRISCSDTNTXUTVTVAWAWVWIWY
Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 12, 2026American Collection ServicesPayday & personal loansStruggling to pay your loanTXExplainedYes
Nov 11, 2026American Credit AcceptanceAuto loans & leasesStruggling to pay your loanDenied request to lower paymentsFLIn progressYes
Nov 11, 2026American Credit AcceptanceAuto loans & leasesStruggling to pay your loanDenied request to lower paymentsFLIn progressYes
Nov 11, 2026Ally FinancialAuto loans & leasesStruggling to pay your loanDenied request to lower paymentsORIn progressYes
Nov 11, 2026BMW Financial ServicesAuto loans & leasesStruggling to pay your loanDenied request to lower paymentsMSIn progressYes
Nov 11, 2026Westlake FinancialAuto loans & leasesStruggling to pay your loanDenied request to lower paymentsVAExplainedYes
Nov 10, 2026Uprova CreditPayday & personal loansStruggling to pay your loanMTExplainedYes
Nov 10, 2026Solar ServicingPayday & personal loansStruggling to pay your loanFLIn progressYes
Nov 10, 2026Uprova CreditPayday & personal loansStruggling to pay your loanMIExplainedYes
Nov 10, 2026Navy Federal Credit UnionAuto loans & leasesStruggling to pay your loanDenied request to lower paymentsNJIn progressYes
Nov 10, 2026Bison Bucks LendingPayday & personal loansStruggling to pay your loanWAExplainedYes
Nov 9, 2026UpstartPayday & personal loansStruggling to pay your loanPAIn progressYes
Nov 9, 2026American Credit AcceptanceAuto loans & leasesStruggling to pay your loanDenied request to lower paymentsFLIn progressYes
Nov 9, 2026Uprova CreditPayday & personal loansStruggling to pay your loanCAExplainedYes
Nov 7, 2026BlockPayday & personal loansStruggling to pay your loanPAIn progressYes

Your rights with auto lenders

Repossession rules come from your contract and your state's law: in many states a lender can repossess without warning once you default, but it cannot breach the peace, and it must tell you how to get the car back and how it will be sold. You are usually entitled to a refund of unused add-ons such as GAP or service contracts when the loan ends early.

Scam warning: Watch for add-ons slipped into the contract, and get every promise in writing before you sign. A dealer cannot make you buy extras to get the loan.

General information, not legal advice; rules vary by state. Plain-English guides

Talk about it

Be kind and stick to facts. No account numbers or other people's details. Rules

No comments yet. Start the conversation - questions are welcome too.

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

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience