TF
Toyota Financial Services (TFS)
Verified Business
TF
AI Review Summary
Based on recent customer reviews, Toyota Financial Services is facing significant customer experience challenges, with a recurring theme of poor communication and unresponsive service. Customers consistently mention difficulties obtaining settlement letters, NaTIS documents, and refunds following account closures or vehicle trade-ins. Many describe unanswered emails, dropped calls, and being passed between consultants without resolution. Bereaved families and customers seeking payment relief report particularly frustrating experiences. A small group of positive reviews highlight individual consultants who delivered efficient turnarounds and clear communication, suggesting service quality varies considerably depending on which agent handles the query.
Performance(last 12 months):
TrustIndex
3.3
Ranking
#211
in Financial Services
NPS Score
-60
Recommended: Unlikely
Review Distribution
1.6|29 Reviews
Jul '25 - Jun '26
Recent reviews (29)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceA
Anonymous
1 reviews | Active since Jan 2020
25 May 2026, 11:40
Frustrating & Disappointing
Booked my car in, at Southern Toyota on Monday the 18th May for repairs & a week later am still waiting for the quotation. If i can wait the whole week just for the quote, then i wonder how long it will take to repair.
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Anonymous
1 reviews | Active since Jan 2020
25 May 2026, 11:40
Frustrating & Disappointing
Booked my car in, at Southern Toyota on Monday the 18th May for repairs & a week later am still waiting for the quotation. If i can wait the whole week just for the quote, then i wonder how long it will take to repair.
0
Replies (1)A
Anonymous
1 reviews | Active since Jan 2020
7 May 2026, 09:57
Toyota Financial Services - Abysmal service levels
Absolutely abysmal services from this company. Basics of the story. My late mother had not transfered her car into her name before her passing. Subsequently the car my Mother had was ******. I as the Executor requested the car be de-registered in order to get the insurance company to be able to pay out. Email sent on 18th March requesting de-registration. On 20th March I was given info that insurance company needs to supply letter for deregestration to continue. Document as requested was supp**** on 7th April at 13:35. Payment for deregestration and proof of payment was supp**** on 14th April at 08:36 On 22nd April I emailed again asking for an update and received an email on the 24th April asking again for the letter from Insurance. The following week I called to ask for feedback due to such long process. I called on Thursday 30th April. I spoke to a lady who found an error from their side where they did not either see the document I sent or did not allocate it correctly. I was told 72 hours till I can get certificate as it would be escelated. Today I called again and the document is still with traffic department and I would only get it in 7 to 10 working days. I find this whole affair to be so poorly handled by Toyota Financial Services that if I wasn't so infuriated I would think it would be a joke. I understand that I am not actually their customer but my Mom was and they should have handled this with the decency it deserved.
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Anonymous
1 reviews | Active since Jan 2020
7 May 2026, 09:57
Toyota Financial Services - Abysmal service levels
Absolutely abysmal services from this company. Basics of the story. My late mother had not transfered her car into her name before her passing. Subsequently the car my Mother had was ******. I as the Executor requested the car be de-registered in order to get the insurance company to be able to pay out. Email sent on 18th March requesting de-registration. On 20th March I was given info that insurance company needs to supply letter for deregestration to continue. Document as requested was supp**** on 7th April at 13:35. Payment for deregestration and proof of payment was supp**** on 14th April at 08:36 On 22nd April I emailed again asking for an update and received an email on the 24th April asking again for the letter from Insurance. The following week I called to ask for feedback due to such long process. I called on Thursday 30th April. I spoke to a lady who found an error from their side where they did not either see the document I sent or did not allocate it correctly. I was told 72 hours till I can get certificate as it would be escelated. Today I called again and the document is still with traffic department and I would only get it in 7 to 10 working days. I find this whole affair to be so poorly handled by Toyota Financial Services that if I wasn't so infuriated I would think it would be a joke. I understand that I am not actually their customer but my Mom was and they should have handled this with the decency it deserved.
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
8 Apr 2026, 13:02
Missing money- Toyota Financial Services
I bought a vehicle in December 2025 with Toyota Finance. On the 1st of February I made an additional online payment, clearly using my account nr 86143180141 as reference nr as I have done similarly in the past. To this day the amouny has not been allocated to my account by TFS, ABSA clearly shows it was paid correctly, struggling to get proof other than my statement which was sent to TFS. TFS does not seem to care
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Anonymous
1 reviews | Active since Jan 2020
8 Apr 2026, 13:02
Missing money- Toyota Financial Services
I bought a vehicle in December 2025 with Toyota Finance. On the 1st of February I made an additional online payment, clearly using my account nr 86143180141 as reference nr as I have done similarly in the past. To this day the amouny has not been allocated to my account by TFS, ABSA clearly shows it was paid correctly, struggling to get proof other than my statement which was sent to TFS. TFS does not seem to care
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Replies (0)A
Anonymous
1 reviews | Active since Jan 2020
20 Mar 2026, 14:58
Dealing with TFSA is Horrible
Worst buying experience of my life! I paid for an extended warranty and service plan on my first Toyota (included in the finance) and after doing 100k km's, was offered a new deal from Toyota, which I took. I was told that 75% of my extended plans payment will be refunded to me. This is an internal process within TFSA. Then I received e mails asking for proof of payment of the refundable amount. Trying to speak to a real person at TFSA is impossible. Now I need to send them proof of their own documentation! The call centre is a MESS, the self help is useless. I used to be a Toyota ADVOCATE but this experience ruined my love of Toyota. I will NEVER ever use or recommend TFSA EVER!!!
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Anonymous
1 reviews | Active since Jan 2020
20 Mar 2026, 14:58
Dealing with TFSA is Horrible
Worst buying experience of my life! I paid for an extended warranty and service plan on my first Toyota (included in the finance) and after doing 100k km's, was offered a new deal from Toyota, which I took. I was told that 75% of my extended plans payment will be refunded to me. This is an internal process within TFSA. Then I received e mails asking for proof of payment of the refundable amount. Trying to speak to a real person at TFSA is impossible. Now I need to send them proof of their own documentation! The call centre is a MESS, the self help is useless. I used to be a Toyota ADVOCATE but this experience ruined my love of Toyota. I will NEVER ever use or recommend TFSA EVER!!!
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Anonymous
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.
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Anonymous
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.
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Replies (0)A
Anonymous
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.
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Anonymous
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.
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Replies (0)A
Anonymous
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.
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Anonymous
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.
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