$1.66 trillion in US auto loan debt.
Source: Federal Reserve, Q4 2024
Your lender's complaint rate predicts how they treat you if you miss a payment.
Auto Loans Complaint Rates
Auto loan providers and captive finance arms ranked by complaint rate. Covers origination, servicing and repossession practices.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. #1 = the institution with the highest complaint rate per customer in this category. Hover the i icons in the column headers for an explanation of each metric.
Captive finance arms (manufacturer-owned lenders) tend to rate better than independent auto lenders - they have a reputational incentive tied to the parent brand. Read our full methodology →
Your auto lender's complaint rate predicts exactly how they will treat you if you miss a payment.
When you miss a payment and your car gets repossessed without proper notice, when your payment is applied to fees instead of principal, or when a late payment hits your credit report before your grace period even ends - your lender's complaint rate predicted this. High-complaint auto lenders are significantly more likely to repossess without adequate notice and to misapply payments that make your balance look larger than it should be.
Refinancing an auto loan is straightforward and can lower your monthly payment within days. No new car appraisal is needed. A 2% rate reduction on a $20,000 loan saves roughly $600 per year.
- ✓Refinancing a 7% auto loan to 5% saves roughly $600 per year on a $20k balance
- ✓Top-rated auto lenders offer a 10-day payoff guarantee vs indefinite delays at the worst
- ✓Auto refinancing typically takes 48-72 hours with no new appraisal
- ✓Low-complaint lenders are 3x less likely to report late payments before your grace period ends
These institutions handle complaints the best in this category. Click any name to see their full profile.
Partner links are marked rel="sponsored". ComplaintRate earns a referral fee if you open an account through these links -- at no cost to you. Rankings are independent of commercial relationships and based solely on CFPB + FDIC public data. Read our methodology →
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing