
Cnac Financing
Cnac Financing Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Cnac Financing has 1.5 star rating based on 416 customer reviews. Consumers are mostly dissatisfied.
33% of users would likely recommend Cnac Financing to a friend or colleague.
- Rating Distribution
Pros: Salesman that helped me was very nice, When they approved me for the car, Financed a car to me.
Cons: Customer service, Deceptive practices, Rude and ignorant.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Cnac Financing has 1.5 star rating based on 416 customer reviews. Consumers are mostly dissatisfied.
33% of users would likely recommend Cnac Financing to a friend or colleague.
- Rating Distribution
Pros: Salesman that helped me was very nice, When they approved me for the car, Financed a car to me.
Cons: Customer service, Deceptive practices, Rude and ignorant.100% of users think that Cnac Financing should improve its Customer Service.
75% of users say that they won't use Cnac Financing in the future for similar services or products.Recent recommendations regarding this business are as follows: "Do not buy", "Make sure that all csrs are trained in what to say or not to say to the customer when they pay the final payment.", "Great place to get a great vehicle and the sell personal are friendly and they will help u", "Do not purchase any vehicles if cnac is financing", "When you are financing make sure it's not with cnac they are crooks".
Most users want Cnac Financing to offer a solution to their issues.
Consumers are not pleased with Discounts and Special Offers and Customer service. The price level of this organization is high according to consumer reviews.
Media from reviews

































Need to see can defer my or forgive my payment tomorrow
I was off work due to illness. And I called because I can't make payment tomorrow.
And got flat out told no.
And then inform was help last month. Wrong I didn't get any help in February worse customer service.
User's recommendation: Do not buy

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Settlement and was never honored
My car was totaled out through CNAC insurance. I talked to the sales department.
The settlement was for 3500, to be paid as regular payments until the said amount was paid.
The loan still stated 13000 but was not accounted for. The second time my car was repossessed, I paid 4000 after the settlement.
Preferred solution: Full refund
Title
I was told when I paid the vehicle off 3 weeks ago and was advised that I would have the title in 3-4 days and the account manager that I spoke with today stated that it would be 30-45 business days.
I am going through a divorce and my ex has the vehicle.
User's recommendation: Make sure that all csrs are trained in what to say or not to say to the customer when they pay the final payment.

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Poor customer service
They are ignoring my request and it is still on my credit report and they won't answer my calls anymore
I totaled my vehicle and the insurance paid off the loan, but they are saying I still owe $4500. Why are they telling me I owe $4500 when the insurance company labeled the vehicle as totaled?
- No pros
- Get insurance money then try to get customer to pay nd put on credit report it was repossessed
- Label the vehicle as totaled
Preferred solution: Full refund
User's recommendation: When you are financing make sure it's not with cnac they are crooks

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerNo response
They are ignoring my phone calls
I called to explain my issue. I was hung up on 3 times, and now I'm told there is no record of my account.
But yet, it's still on my credit report.
I owe $4500 and my vehicle was repossessed when in fact it was totaled and the insurance company paid off the loan. So, since you refuse to help, I've contacted the BBB and the attorney general.
- V repossessed
- Worst customer service i have ever seen
- Lied on my credit report
Preferred solution: Put the truth on my credit report that the loan was paid by my insurance company because the car was totaled
User's recommendation: Do not purchase any vehicles if cnac is financing
Discuss concerns and payment options
Shalonda ONeal have been telling my references the status of my account as well as playing in my references phone pretending to be someone that my reference knows. I also was informed by Bo that the issue would be resolved and it hasnt.
I asked Bo whos the CNAC manager if there was a complaint process for my reference and she was very unprofessional asking me if I was a legal or attorney. My
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTitle
I received my title a couple of months back and everything was stamped and signed, but the lady who signed it forgot to put the date on it for the release. The DMV won't do anything until I have a release paper mailed to me with the release date on it.
- Great place to get a good deal on vehicle
- I have nothing bad to say about this company
Preferred solution: Help fix my title
User's recommendation: Great place to get a great vehicle and the sell personal are friendly and they will help u
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Fraudulent charges
I have called customer service 4 times and been given the run around. I purchased a vehicle in 2022 from by rider in wilkes barre Pennsylvania in July of that same year the vehicle was totaled I was told the loan was paid off by my insurance company however on my credit report your company reported the vehicle was reposted when in actuality it was totaled I was never notified by phone email or letter that I owed any money but now it's on my credit report that I owe over 4000 If I do not get a phone call to get this resolved I will call the better business burue and post all over social media and contact my lawyer to sue ur company.
When I called customer service the first time they brought my account up immediately now I'm told they can not find my account. So if u can not find my account then why do I owe over 4000 If I do not receive a phone call to resolve this issue I will contact my lawyer and u will be sued I expect a call back by 1pm or I will be in touch with the BBB
- I think my statement shows the cons
Preferred solution: Get it off of my credit report so I can finance another vehicle
User's recommendation: If ur financing a car make sure it's not through cnac
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerCrashed car and insurance reasons
My car was totaled and I need to give you permission to speak with and cooperate with State Farm insurance for your payoff. Please contact me back so you can get your money.
Cebert Jeffrey
304-993-****
- Easy financing
- Hard to contact with this issue
Preferred solution: My car was totaled and insurance wants to pay you off but I have to give you permission to work with them
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerPay roll deduction
I know I owe them for a Ford escort, but damn. I have paid them over 12000 this year alone that's not including last year's. I have paid over 20000 for this car when is it going to stop
Preferred solution: Them to quit taking money out of my check every week
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTrying to make a payment
Called 4 different numbers and still can't make my payment give a contact number that actually works
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerRipped me off
Well they baited and switched me from a car on the web page, then had me ferry one of their cars an hour away to get a car that had a check engine light on. "We'll mark that down on the invoice."
A week or two later the battery completely dies. Take it in for service, the smart assed idiot who I dealt with today are like "there was no code". Well that's cause the battery wasn't holding a charge. How stupid do you need to be. Twice while making payments I had them check the codes and try to arrange to have the car serviced only to be told not to worry about.
Also funny how the big advertising bit is "now down payment" which turns into a we're going to have to have a $500 down payment if you want the car. It shows the true ethics and integrity of the con artist at JD Byrider.
So two years later I never needed to worry about the code, till I moved to a county that does e-check. All of a sudden these idiots are all like well we can't fit you in for two weeks, it's not our responsibility. No *** you shouldnt have sold a car that you knew was faulty enough to fail an e-check. That is why they moved it from Akron to Ashtabula.
- Con artists who will say anything to get you in a car
Preferred solution: Deliver product or service ordered
User's recommendation: Buy a used car from Facebook market place instead of here, because on Facebbok there is only a chance that you will get screwed.
Poor service
I am loyal customers for years with CNAC Columbia your collection department has some rude as customer service my name is Vonetta M Sloss I have a rude account manager I am requesting to speak with someone higher up concerning the customer service I have only been late once on my account for years but been talked to like a dog is uncalled for so please call me 803 553-**** I will be reporting this company to better Business of SC
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Thanks
Thanks I've filed a complaint with the Ohio Attorney General's office. If Jamie wants to be an *** let him pay the price for it. If it's worth suing over you'll be hearing from me soon.
Make people ferry a car over an hour away after baiting and switching the vehicle on the web page.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerPayment questions
I asked could i be 6 days late on my car payment and the representative said that i couldnt .and its not a grace period. Which what i didnt understand yhat my payment would made within the month.
I just feel like as long as the payment is made within the month and a late fee is added then it shouldn't be a problem
Preferred solution: A grace period /late fee if needed
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |They are terrible business who is treating people bad
bought a car March 3 2021 from JD Byrider I have made all my payments and a couple to
times I was late maybe 1 or even 2 days this month I was sick the first week of July and on the 7 th I heard car so I went to my door and saw a repo truck I went out and said can I help he didnt answer but kept walking toward my car which was backed up under some trees in my yard for shade, I said excuse me a couple times I reached my car about when he did an I said again can I help you and very hateful he
Said you know why Im here so dont act stupid . I said , Well I guess Im not acting cause I have no
Idea why you are here .
Then he said Im taking this car , and I said no your not and why are saying that he was so rude
and ugly to me he finally said I defaulted with the finance company an he
was repoing car and I couldnt stop him. I said to well Im not sure thats right but in case my payment didnt post its only 4 days so this cant be right and you need to leave my property right now I will be calling and getting this straight but sir you arent taking my car . I have to have this car I make
My
Payments every month I tried to tell him I had been sick all week an hadnt checked on anything but I would soon as he left the thing is
This I have a 13 year old child with special needs that wasnt suppose to live past 2 years old he has many
Very serious medical issues and lots of hospital visits we live an hour and a half from the hospital so I couldnt allow him to take my car but he said to bad thats your problem Im taking this car he started to his truck I got in my car and started to back up to keep him from hooking to it an he tried hit me and barely missed I dont know how I got turned enough that he didnt . My husband seen what he done and he came out with his gun and told the man you have told to leave many times and now you are trespassing and you also
almost hit my
wife so you
better drive off this property or you will be walking off it .
I
Was in my
Backyard on the phone with Taylor from Byrider and that woman was cussing me and calling me a
Lyer saying I had been late on every
Payment and they were tired of messiing with me . I said I think you have me mistaken with someone else and she went off on me like I was the worst low life on earth . I ask for a manager and she informed me she was the manager I said then just put someone else on this phone who will talk to me because Im not going to be talked to like your doing she no so I told her I was hanging up and she needed to get someone to call me . I checked my
bank and my
Payment wasnt posted so I tried to make it right then but it said my
Account was locked I tried again yesterday to make
My payment still locked and it says next payment due July
1,2023.
$7 000 + That I will have to speak with a
Representative for that payment . I paid $ 2400 down and $432 a month on that car . Come on Arkansas do you really allow people to be treated like this and can you honestly say they are right in what they are doing to people .I have been reading so many complaints on this very same thing . People are only human and sometimes they mess up and mistakes happen but do you really have kick them so hard they cant get back up .
I may be wrong but I will not give my car back to them and I will not allow them to repo it . I have my payment if they dont want it fine I will put in a separate account and someday when they want to be adults and treat people with respect their money will be waiting for them . Dont think you can intimidate me or scare me you have no idea the weight I carry every single day of my life . I will not allow anyone to talk to me like Im nothing .
I will say this too if I had been late on every payment like she said and months behind I still would have deserved to be treated with some respect . I hope someone reads this and can see there is something wrong with the way people are being taken advantage of from JD Byrider and CNAC . I have a print out of my all my payments i just dont understand why they think they have the right to repo ok they say no grace period but really are you for real Im sure that repo driver and court costs will be more than the 4 day late
Payment when this over . They are deceiving people they drag people that is struggling in with their promise for
A great car and to build their credit which is far from true .
They dont do anything but harass people and threaten them how can that be legal . Im not the only one they have done this too ..
- Make it sound like they are doing you a favor
- Finance person should not be allow to talk to people that way
- Worst customer service i have ever seen
Preferred solution: I would like to be allowed to make my payment of $432 a month . If I could pay $7195 I promise it would be somewhere else . I don’t think I deserve to be treated this way
User's recommendation: Please do not buy a car from them
About
,
CNAC specializes in car financing solutions. The company headquarters is based in Carmel, Indiana, USA. CNAC serves customers who are over 18 years old with no credit or bad credit history. An application form can be submitted on the company website. Users should also provide cash down payment, valid driver’s license, and proof of insurance. There is a CNAC application for mobile devices with Apple and Android operating systems. Customer assistance is provided by phone. CNAC is Rhode Island licensed lender. It cooperates with J.D. Byrider car dealerships. Available payment options are Visa, MasterCard, American Express, and Discover. The company also accepts MoneyGram and cash.

Cnac Financing is ranked 754 out of 5204 in Financial Services category
USA
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Did the insurance company pay you the VALUE OF THE CAR or did they pay off the VALUE OF THE LOAN? There is a huge difference!