Toyota Financial Services (TFS)
Verified Business
Toyota Financial Services (TFS)
Verified Business
32 Reviews (last 12 months)
Responds in 7 hours 46 min
AI Review Summary
Based on recent customer reviews, Toyota Financial Services (TFS) faces significant criticism around poor communication, unresponsive customer service, and billing errors. Customers frequently report unanswered calls, ignored emails, and unresolved queries spanning weeks or months. Recurring complaints include unauthorized or incorrect debit order deductions after account settlements, difficulty obtaining NATIS documents, and a lack of transparency around fees and balances. A small number of positive reviews praise efficient loan settlement processes and prompt document delivery, but these are heavily outweighed by widespread frustration with negligent service and unresolved disputes.
Performance(last 12 months):
0Trustindex Rating
#69Ranked In Financial Services
7 hours 46 minutesAverage Time To Reply
-82 NPSRecommended: Unlikely
Replied to 89% of negative reviews
Typically takes less than 9 hours 15 min to reply
TrustIndex
0
Score
Ranking
#69
in Financial Services
Avg Reply
7 hours 46 minutes
NPS Score
-82
Recommended: Unlikely
Replied to 89% of negative reviews
Typically takes less than 9 hours 15 min to reply
Review Distribution
1.6|32 Reviews
May '25 - Apr '26
5(13.3%)
4(0%)
3(3.3%)
2(0%)
1(83.3%)
5(13.3%)
4(0%)
3(3.3%)
2(0%)
1(83.3%)
Frequently Asked Questions About Toyota Financial Services (TFS)
Based on recent customer reviews, this business delivers a consistently strong customer experience anchored by outstanding agent quality and rapid communication. Customers frequently name individual consultants and praise their friendliness, patience, and professionalism. Recurring praise is given to claims and roadside assistance, though a vocal minority report frustrating delays, rejected claims, and poor transparency around premium increases.
Hellopeter's TrustIndex is a 0–10 score based on review star ratings, reply speed, and recent activity over the last 12 months. How is the TrustIndex calculated? →
Recent reviews (32)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceNM
Nontsikelelo M
1 reviews | Active since Jan 2020
17 Mar 2026, 16:28
Initiation fee paid to TFS couldn't be refunded to me.
I had bad experience with them when trying to recover initiation fee that I paid.
Helpful (0)
|Replies (0)NM
Nontsikelelo M
1 reviews | Active since Jan 2020
17 Mar 2026, 16:28
Initiation fee paid to TFS couldn't be refunded to me.
I had bad experience with them when trying to recover initiation fee that I paid.
0
Replies (0)MM
Mirriam M
1 reviews | Active since Jan 2020
9 Mar 2026, 14:18
Poor service
I would like to lodge a formal complaint regarding the service I received and the handling of my vehicle finance account. On Saturday, 07 March 2026, I voluntarily returned my vehicle to the bank as I am currently unable to afford the monthly repayments. I was informed that the vehicle would be valuated before being resold. However, today I received an SMS stating that the value of the vehicle is R60,000, while the outstanding balance on the vehicle finance is approximately R200,000. I then contacted Ms Zandile Dlamini to enquire about the valuation and to request that the vehicle be returned to me so that I could sell it privately in order to obtain a better price and settle the account with WesBank. During the conversation, Ms Dlamini advised that the vehicle would be auctioned starting from R60,000 and confirmed that if the highest bid is, for example, R80,000, the vehicle would be sold for that amount. I expressed my concern that this amount is significantly lower than the current outstanding balance and requested that the vehicle be returned to me so that I could attempt to sell it privately and repay the bank. However, I was informed that the vehicle would not be returned unless the arrears were paid. I also wish to raise a concern about the manner in which I was treated during this interaction, as I found the response and attitude from the consultant to be unprofessional and dismissive. I kindly request that this matter be reviewed urgently and that guidance be provided on whether I may be given an opportunity to sell the vehicle privately in order to reduce the shortfall on the account.
Helpful (0)
|Replies (0)MM
Mirriam M
1 reviews | Active since Jan 2020
9 Mar 2026, 14:18
Poor service
I would like to lodge a formal complaint regarding the service I received and the handling of my vehicle finance account. On Saturday, 07 March 2026, I voluntarily returned my vehicle to the bank as I am currently unable to afford the monthly repayments. I was informed that the vehicle would be valuated before being resold. However, today I received an SMS stating that the value of the vehicle is R60,000, while the outstanding balance on the vehicle finance is approximately R200,000. I then contacted Ms Zandile Dlamini to enquire about the valuation and to request that the vehicle be returned to me so that I could sell it privately in order to obtain a better price and settle the account with WesBank. During the conversation, Ms Dlamini advised that the vehicle would be auctioned starting from R60,000 and confirmed that if the highest bid is, for example, R80,000, the vehicle would be sold for that amount. I expressed my concern that this amount is significantly lower than the current outstanding balance and requested that the vehicle be returned to me so that I could attempt to sell it privately and repay the bank. However, I was informed that the vehicle would not be returned unless the arrears were paid. I also wish to raise a concern about the manner in which I was treated during this interaction, as I found the response and attitude from the consultant to be unprofessional and dismissive. I kindly request that this matter be reviewed urgently and that guidance be provided on whether I may be given an opportunity to sell the vehicle privately in order to reduce the shortfall on the account.
0
Replies (0)CM
Cladia M
1 reviews | Active since Jan 2020
26 Jan 2026, 17:10
Payment relief application
I have been in the process of applying for payment relief for a whole 4 months since September 2025 and since they asked for supporting documents i kept on sending and doing follow-ups and till this day, no response from them and I’m already on the last month i wanted the payment relief for and i had a very unpleasant leave from work due to circumstances i can’t mention here because of debts and i don’t think i’ll ever recommend anyone to TFS.
Helpful (0)
|Replies (0)CM
Cladia M
1 reviews | Active since Jan 2020
26 Jan 2026, 17:10
Payment relief application
I have been in the process of applying for payment relief for a whole 4 months since September 2025 and since they asked for supporting documents i kept on sending and doing follow-ups and till this day, no response from them and I’m already on the last month i wanted the payment relief for and i had a very unpleasant leave from work due to circumstances i can’t mention here because of debts and i don’t think i’ll ever recommend anyone to TFS.
0
Replies (0)HM
Hlologelo M
1 reviews | Active since Jan 2020
20 Jan 2026, 13:15
You can do better this
My Toyota vehicle is financed through this company, and I am nearing the end of my finance agreement. My intention is to settle the outstanding balance before the end of the contract. Unfortunately, my experience in trying to do so has been extremely frustrating. The landline numbers do not work as expected. One follows the automated voice prompts, only for the call to be cut off. On the rare occasion that I get through to a consultant, they sound unsure of my request and provide vague or inconsistent responses. In addition, the Toyota app appears poorly managed. I have submitted requests for assistance on two separate occasions and have not received a single follow-up call. Emails sent to the company generate an automated response promising feedback within a few days, yet it has now been more than eight days without any response. As a loyal customer, this level of service is deeply disappointing. I had hoped to finance my next vehicle with this company, but I am now considering alternative financiers with reliable and responsive communication systems.
Helpful (0)
|Replies (0)HM
Hlologelo M
1 reviews | Active since Jan 2020
20 Jan 2026, 13:15
You can do better this
My Toyota vehicle is financed through this company, and I am nearing the end of my finance agreement. My intention is to settle the outstanding balance before the end of the contract. Unfortunately, my experience in trying to do so has been extremely frustrating. The landline numbers do not work as expected. One follows the automated voice prompts, only for the call to be cut off. On the rare occasion that I get through to a consultant, they sound unsure of my request and provide vague or inconsistent responses. In addition, the Toyota app appears poorly managed. I have submitted requests for assistance on two separate occasions and have not received a single follow-up call. Emails sent to the company generate an automated response promising feedback within a few days, yet it has now been more than eight days without any response. As a loyal customer, this level of service is deeply disappointing. I had hoped to finance my next vehicle with this company, but I am now considering alternative financiers with reliable and responsive communication systems.
0
Replies (0)LB
Loumarie B
1 reviews | Active since Jan 2020
18 Jan 2026, 18:24
Toyota Finance biggest ******* and super arrogant,unhelpfull and rudes employees ever, RUN never use them to finance your car
I wanted to sell my toyota fortuner in a shock realized never got my natis from toyota, so phoned them super super super rude person answered this was december 2025 I explained i needed my natis and never realize i did not receive it as my car was paid off in 2020.The 1st person listen and looked after saying not their problem litterly saying mam not our problem.I put phone down tried again this time asking for a manager then i was told there is no managers on duty and again we can assist and it not our problem. So I phoned again asking same thing for a manager the person not realizing i can hear said to lady just make like your the manager, so talk to this absolutely rude disgracefull lady after me shouting at her and she at me I was told my car was sold in 2016 to some chocolate car dealer and they send the natis to them,i was schocked i never lived in randburg and I have proof of sending toyota finance the correct adress.I asked so if my car was paid off in 2016 where did my money for the year after that go to and i paid it off as well so my car was paid of twice then and toyota got twice the money but send my natis to a random.dealer which doesnt exist, the answer was not my problem your word against ours.I told them they where ****ing useless what am I suppose to do it was their fault they send iet to wrong place and they took money for my fortuner twice,the answer do what you want mam not my problem it was send to randburg sort it your self.No I go to a toyota dealership whom agrees to try and help al off sudden (im guess after realizing they took twice the money for the fortuner), the toyota dealer was told i dont exist i never drove a toyota now they block me from every way they can why???? I will in my life never drive a toyota again finance by toyota finance the biggest biggest rude, arrogant company, and on top off that *******.Pathetic!!!!! I still sit without my natis and can not sell my car.
Helpful (0)
|Replies (0)LB
Loumarie B
1 reviews | Active since Jan 2020
18 Jan 2026, 18:24
Toyota Finance biggest ******* and super arrogant,unhelpfull and rudes employees ever, RUN never use them to finance your car
I wanted to sell my toyota fortuner in a shock realized never got my natis from toyota, so phoned them super super super rude person answered this was december 2025 I explained i needed my natis and never realize i did not receive it as my car was paid off in 2020.The 1st person listen and looked after saying not their problem litterly saying mam not our problem.I put phone down tried again this time asking for a manager then i was told there is no managers on duty and again we can assist and it not our problem. So I phoned again asking same thing for a manager the person not realizing i can hear said to lady just make like your the manager, so talk to this absolutely rude disgracefull lady after me shouting at her and she at me I was told my car was sold in 2016 to some chocolate car dealer and they send the natis to them,i was schocked i never lived in randburg and I have proof of sending toyota finance the correct adress.I asked so if my car was paid off in 2016 where did my money for the year after that go to and i paid it off as well so my car was paid of twice then and toyota got twice the money but send my natis to a random.dealer which doesnt exist, the answer was not my problem your word against ours.I told them they where ****ing useless what am I suppose to do it was their fault they send iet to wrong place and they took money for my fortuner twice,the answer do what you want mam not my problem it was send to randburg sort it your self.No I go to a toyota dealership whom agrees to try and help al off sudden (im guess after realizing they took twice the money for the fortuner), the toyota dealer was told i dont exist i never drove a toyota now they block me from every way they can why???? I will in my life never drive a toyota again finance by toyota finance the biggest biggest rude, arrogant company, and on top off that *******.Pathetic!!!!! I still sit without my natis and can not sell my car.
0
Replies (0)V
Vhahangwele
1 reviews | Active since Jan 2020
29 Dec 2025, 11:57
It was good and info...
It was good and informative and explained in detail what I wanted
Helpful (0)
|Replies (0)V
Vhahangwele
1 reviews | Active since Jan 2020
29 Dec 2025, 11:57
It was good and info...
It was good and informative and explained in detail what I wanted
0
Replies (0)GJ
Grant J
1 reviews | Active since Jan 2020
16 Dec 2025, 14:39
Unhappy Client
I requested settlement figures on two vehicles that had Original Capital Balances of less than R250K and received Settlement Letters indicating 3 months penalties on Interest for early settlement - Since this is considered a small loan in terms of the Financial Credit Act no penalties can be app**** if settled early. I queried TFS of this and received an Automated a reply indicating that it I would get a response with in 48hours. This was on the 2nd of December & I am still waiting on a response even though I followed up a few days later. TFS you can do better than this :-(
Helpful (0)
|Replies (0)GJ
Grant J
1 reviews | Active since Jan 2020
16 Dec 2025, 14:39
Unhappy Client
I requested settlement figures on two vehicles that had Original Capital Balances of less than R250K and received Settlement Letters indicating 3 months penalties on Interest for early settlement - Since this is considered a small loan in terms of the Financial Credit Act no penalties can be app**** if settled early. I queried TFS of this and received an Automated a reply indicating that it I would get a response with in 48hours. This was on the 2nd of December & I am still waiting on a response even though I followed up a few days later. TFS you can do better than this :-(
0
Replies (0)SN
Silindile N
1 reviews | Active since Jan 2020
25 Nov 2025, 07:19
Unhappy
Moved my account to debt collectors without trying to contact me.
Helpful (0)
|Replies (0)SN
Silindile N
1 reviews | Active since Jan 2020
25 Nov 2025, 07:19
Unhappy
Moved my account to debt collectors without trying to contact me.
0
Replies (0)