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Cnac Financing

Cnac Financing

www.cnac.com
What is your customer experience with 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.

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Top Cnac Financing Reviews

Positive Review

"Truck"

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Hello my name is Matthew Johnson I have truck suppose to be getting fixed in Columbia SC JD byrider it has been some time and I was wondering will it be fixed...

Critical Review

"Need to see can defer my or forgive my payment tomorrow"

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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...

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Anonymous
map-marker Jeffersonville, Indiana

Need to see can defer my or forgive my payment tomorrow

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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.

View full review

User's recommendation: Do not buy

William D Mff

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
| map-marker Edmonton, Alberta

Settlement and was never honored

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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.

View full review
Loss:
$200000

Preferred solution: Full refund

Liz Rly
map-marker Batesville, Indiana

Title

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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.

View full review

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.

Jennifer L Vfc

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
| map-marker Knoxville, Tennessee

Poor customer service

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Cnac Financing - Poor customer service
Cnac Financing - Poor customer service - Image 2
Updated by user Sep 09, 2024

They are ignoring my request and it is still on my credit report and they won't answer my calls anymore

Original review Aug 30, 2024

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?

View full review
Loss:
$4500
Pros:
  • No pros
Cons:
  • 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

1 comment
Guest

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!

Jennifer L Vfc

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

No response

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Cnac Financing - No response
Cnac Financing - No response - Image 2
Updated by user Sep 09, 2024

They are ignoring my phone calls

Original review Sep 09, 2024

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.

View full review
Loss:
$4500
Cons:
  • 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

Nathaniel Htj
map-marker Round Lake, Illinois

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

View full review
Natashia F

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

Title

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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.

View full review
Pros:
  • Great place to get a good deal on vehicle
Cons:
  • 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

Jennifer c Ipw

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
| map-marker Knoxville, Tennessee

Fraudulent charges

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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

View full review
Cons:
  • 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

Cebert J

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

Crashed 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-****

View full review
Pros:
  • Easy financing
Cons:
  • 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

Jeremiah J Qec

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

Pay 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

View full review

Preferred solution: Them to quit taking money out of my check every week

1 comment
Guest

Why are you asking the question??? YOU signed a contract which stated the number of payments, the amount and when the last payment comes due! Did you even bother to READ what you AGREED to????

Saphira Mvk

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

Trying to make a payment

Called 4 different numbers and still can't make my payment give a contact number that actually works

View full review
Joseph K Hhs

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

Ripped me off

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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.

View full review
Loss:
$500
Cons:
  • 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.

2 comments
Guest

Sure...buy a USED car sight unseen on Facebook. That sure is a highly intelligent way to end up with a reliable car.

Guest
reply icon Replying to comment of Guest-2565435

Won't even leave a name cause you can't even read. Has to be someone from from jd byryder. Class act guys.

View more comments (1)
Anonymous
map-marker Doylestown, Pennsylvania

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

View full review
1 comment
Guest

Why do you even need to be calling them? You make your payments on time, every time and you NEVER need to talk to them!

Oh, let me guess...you constantly want deferments, you want to make partial payments, you want to play the "Lets Change The Due Date" game, right? You SERIAL DEADBEATS never learn, do you? You bought a car at this sub-prime, deadbeat dealership because YOU gave YOURSELF a reputation for YOU not paying YOUR bills a d here you are again, doing the same thing! You can forget the BBB of South Carolina or anywhere because the BBB is full of baloney.

The BBB is NOT part of any government body or law enforcement entity.

The BBB with all their PHONEY BS has ZERO POWER to force any business to do anything. All they do is SELL their PHONEY RATINGS to ANY business which wants to pay the price.

Joseph K Hhs

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
| map-marker Chesterland, Ohio

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.

View full review
1 comment
Lafaye Zgd

How did this go for you? Currently awaiting being sued by cnac/Byrider for a vehicle I've paid over 20,000 Kelly blue book value on a vehicle they could never get the check engine light off of for me to pass e check

rosalyn m Mhv

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

Payment 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

View full review

Preferred solution: A grace period /late fee if needed

1 comment
Guest

You want a grace period? That's OK, get a bank to refi your loan.

Oh, let's see, no banks will touch you because YOU gave YOURSELF bad credit by YOU not paying YOUR bills on time! Here we are AGAIN!

You want to pay these people late too! You sorry, stinking, smelly SERIAL DEADBEATS never grow up, do you???

Debbie M Ykm

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
| map-marker Sherwood, Arkansas

They are terrible business who is treating people bad

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Cnac Financing - 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 ..

View full review
Pros:
  • Make it sound like they are doing you a favor
Cons:
  • 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

Related Companies

Altamont Capital Partners, Byrider

Summary

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 reviews and complaints

Cnac Financing is ranked 754 out of 5204 in Financial Services category

Area Served

USA

Payment Methods

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