Service Finance Company, LLC

I had no choice in using this company. Well, I guess I could have paid cash, if I had cash. I needed a new hot water heater. Went through Costco, who used a company and that company used Service Finance. Immediately I started getting prerecorded messages. I would call back. "No the work is not finished." Same call hours later. They paid my contractor before the work was finished! Thank goodness the contractor did finish. Now I need to make payments and I can't find anything!! Everything was done electronically. I have nothing. Not an email contact, not a web site or a contract number or anything! I believe this is because they WANT me to default. They can take my money and my house if I default. Did I remember to say that I had to use my house for collateral on a loan for less than $20,000?

Website down for a month! They SAY it’s down for maintenance which is absolute BS!!! Not fixing problems and totally ignoring all communication!!! Over 3,500 BBB complaints, less than 200 resolved. Avoid this company at all costs!!!

Had a furnace and air conditioner installed, the company put us with service finance. We asked to be billed in the last 2 weeks of the month. They billed me in the 2nd week and sent late notifications. I asked to be put on the last weeks again, no results. Last month I changed banks and they said I missed a payment, so they put a lean on my home. I see why they get 1 star. What a waste.

I had my home's main water line repaired and was not aware of my 9.99% daily interest rate, which in the future, I will try to mitigate by getting a loan from my credit union. Before i was charged the loan amount Service Finance did have me verify that the work in question was done and to my expectations before i was required to make payments. 1 did call and talk to a lot of different representatives over the 3 years I had been paying on my loan. I was helped with setting up an online application so that I would be sure to pay my loan on time. The representatives were all nice and very helpful no matter the time or day I called with questions. I always gave respect to receive respect. Thank you, Service Finance, for being helpful and confirming that my loan has finally been paid off when I called to confirm. You all have been great.

Paid off a bill of $17, 000, got an additional bill for $6.78 paid it off, got another bill for 6.78 to day, customer service is no help, DO not deal with this company , they are terrible

I have used this company to finance my roof. I have called about the loan. The woman said because my credit score was low, 766 at that time, I was eligible for 10.9 percent financing. This was a DAILY interest. So that means it accrues every day. Now, I was paying 2 times a month 700.00 every 2 weeks, and I was notified of being late for the payment because I paid on 5/05/2024, not on 05/01/2024. I will see if a late fee applies, and they have no grace period, not one day. I am not understanding because I am paying 2 x a month. Anyway, people in customer service are rude. When you call you have to ask specific questions. I was not aware this was a daily interest. To find out, interest accrues and it adds up to over 500.00 a month just for interest! I have used this company for a roofing project. DO NOT USE THIS COMPANY. You will never pay off and will pay 3-4 times of your loan amount.