Review: CFS Of South Florida

Posted in the Hialeah Forum

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Humburto

Hialeah, FL

#1 Aug 15, 2009
Helped me out of a jam, even with less than perfect credit. Tried three banks and they turned me down because i didnt have a 700 FICO number. Glad there are people that think relationship, not just some dumb number.
CFS MANAGING PARTNER

Hialeah, FL

#2 Dec 29, 2009
HUMBURTO, I AM GLAD WE WERE ABLE TO ASSIST. WE LEND MONEY TO PEOPLE, NOT CREDIT SCORES. THERE ARE A LOT OF GREAT PEOPLE IN OUR SOCIETY THAT ARE BEING JUDGED ON A NUMBER AND NOT WHO THEY ARE AS INDIVIDUALS. THE MAJOR EPIDEMIC IN THE AMERICAN SOCIETY IS THE LOSS OF PERSONAL SERVICE AND THE ABILITY TO SIT DOWN AND TALK TO PEOPLE FACE TO FACE REGARDING THEIR NEEDS. LET US KNOW IF THERE IS ANYTHING WE CAN DO TO ASSIST YOU.
Elizabeth

Hollywood, FL

#3 Dec 12, 2010
Predatory Lenders if I ever seen one. Won't be long before regulations shut this place down. They prey on people that don't understand math and cant read contracts!
CFS Managing Partner

Fort Lauderdale, FL

#4 Dec 12, 2010
Dear Elizabeth,
While not everyone qualifies for single digit interest rates due to past decisions that have negatively impacted their personal credit, it is also true that some members of the community don't qualify for an extension of financial credit at all. I asked myself what could have caused this kind of comment regarding "predatory lending". One explanation is that you were turned down after applying for a loan and somehow feel you were slighted. You must feel wronged to speak like this. If that is the case I ask that you return to our office and bring all corresponding documentation so we can get a more in-depth expiation and see where we may have made an oversight in the decision making process. If something in your resubmission warrants additional consideration, I will personally review it and explain to you the lending process and why you can or can not be approved. Predatory lending describes unfair, deceptive, or fraudulent practices of some lenders during the loan origination process, none of which is a practice of CFS. We take great pride on being a respectable community lender and community leader. To assume that our clientele or in some way is ignorant or illiterate is unwarranted and unjust. We provide a needed service to white collar and blue collar alike. We provide loans to hard working people in every profession from truck drivers and school teachers to law enforcement officers and people in the medical professions. While we continue to believe feedback makes us better as individuals and as an origination, our only request is that it is based in fact and constructive PMcG.
TGib

Rockledge, FL

#5 Apr 8, 2011
Sorry Elizabeth but it's not about reading or math at all...it's CFS helping ppl out when no one else will, if you don't like the rates then a find a bank that will loan you....probably not which is why you went to them in the first place...Grateful client
Drev

Miami, FL

#6 Jul 15, 2011
even though I didnt have the credit to get financeing they were able to help me get out of a serious predicament and if that meant having a high intrest rate then so be it. They helped me when the two banks that I banked with would not. I have since sent people in the same jam that im in to them and they have also been helped.
Rose

Homestead, FL

#7 Jul 20, 2011
My mother was recently financed through this company. She took me along to go through the paperwork. Once we walked into their office we was not treated properly. They were unorganized and treated my mom like a criminal.The man that went over the paperwork rushed us while I wad reviewing the papers. I was shocked and felt so bad about the whole situation. I was never treated so badly while purchasing a vehicle. But I guess that's because I have "good credit".
My mother picked the car and put money down on the car all on her own. Towards the end of the transaction she asked me to come along to go through the paperwork. I know that her credit score was low but if I knew that my mother would have been treated like garbage I would have found another avenue to get her into that car.
I am appauled that companies like this exist and stay in business. There are many good people out here who goes through rough times and they need help. They need to treat people with more respect . With that said, my moms loan will be payed off asap and I will continue to pay my bills on time so that I will never have to step foot into a place like that. Wow!
Avice

Hollywood, FL

#8 Aug 10, 2011
What was the interest rate?
Maria

Miami, FL

#9 Aug 13, 2011
I have been a client for two years. I have been to the office at least ten times to make my payments (my credit has improved with CFS!)and have gotten to know everyone there on a first name basis, even the manager. They are good people and my credit was in the low five hundred range. I have heard them talking to other people who appear to be applying for a loan or in the process of doing the paperwork. I never got the impression that these CFS people were unprofessional, rude or acting in a way that made me want to go somewhere else. NEVER have I witnessed what was described but the writer from July 20th 2011. I am an office supervisor in a medical office and at my job I know employees have "bad days", even when they are really good people. Some people expect perfection, even when they are imperfect. My advise, go in an talk to CFS staff yourselves.
Marco

Miami, FL

#10 Sep 17, 2011
I donít usually do this, but I wanted to post a comment about this CFS company. I was approved for a title loan here. Not only did they give me the money I was asking for the same day, but I was also had a decision on what my payment was! I couldn't believe it. Now I have a low monthly payment, they are reporting my on time payment to credit and there is no penalty for paying it off early. After being turned down by my credit union and my wifeís bank, its good to know that there is a community lender that can help.
Katie

Miami, FL

#11 Sep 17, 2011
I have a car loan with CFS. They were referred to me when purchasing a car at Florida Fine Cars a few months ago. I knew my rate was going to be high after a divorce and repossessions on my credit of the vehicles we had together. After talking to Raquel at CFS during an initial interview, she was able to get me qualified for a few discounts that CFS offers (my dad is military & I am a school teacher). They were able to lower my payment that the dealer gave me from $344 to $299 per month. Now I have a reliable vehicle and a payment that I can really afford. Thanks CFS! Hi Chris! Hi Raquel!
Francisco

Miami, FL

#12 Sep 19, 2011
These guys are really good. I would highly recommend them to anyone that needs money and/or needs to rebuild their credit. I have an auto and a personal loan here. Never been a problem with me or them!!!
Accord Owner

Miami, FL

#13 Oct 3, 2011
I have bad credit and don't trust banks, cops or the government. Instead of a buy here, pay here, my fiancee suggested I reestablish my credit and finance some of my car payment. On a referral from a dealer. I have a car loan here and my score is actually getting better.
Jimmy V

Miami, FL

#14 Dec 13, 2011
Got a loan here for the holidays. I got $1,000.00 for about $105.00 per month. No charge for paying it off early. My sister has had two loans here on her car title and it has worked out well for her and it has built her credit score up. Hope a few loans will do the same for me.
Larry

Miami, FL

#15 Jul 10, 2012
Ok, here is the deal. I just completed my second loan of 12 months. After 24 Months my credit score increased, I was able to get a regular credit card and I had no problem getting really good financing on a bedroom set for my wife and I. The office staff was really helpful and reminded me of my payment when it slipped my mind. Thanks. Go Canes!
Gabriel

Miami, FL

#16 Sep 4, 2012
I have a car loan here from 2009. Don't know them very well, but I have never had a problem. Even when I got into a jam and was a few weeks late one month, they were really cool about it. I just had a problem with my transmission and it was going to cost me a few thousand dollars to fix. The transmission place didn't have payment options so I called CFS and the office supervisor Raquel spoke directly to the owner Chris and got me approved for a $162 payment to cover the work. Really, without their help I wouldn't have a car to got to work and my family might have run into problems with our other bills. I usually don't go out of my way to write something like this unless something was REALLY bad about the company, but they really helped me out and my wife said these reviews are really important for businesses. Best of luck!
William

Fort Lauderdale, FL

#17 Oct 4, 2012
Please do your research on CFS and any car dealer company that use CFS.
In regard of many comments that have been posted are pretty correct.
CFS is look to tripple their return on a loan. There staff will mislead you on the numbers. Bring your calculator and someone else to understand the their system. The good review are familly menber like brother, sister and ect...
Miguel

Miami, FL

#18 Nov 29, 2012
I use online comments and formums like this to judge companies. It good to see good comments on a company. As someone before my post suggested, I did do the research and even interviewed the company reps before making a decision because I was really in need of money for something. While the interest is higher, I did not qualify at B of A or Chase and the guy at this company said that it costs more to service the accounts that use this service and he does what he can to lower interest and keep payments low. Something about the track record of the people who are the higher end of interest and the people that are turned down for credit even with a title as collateral. I am not buying a car but looking to get a loan on my current title. I asked about getting a "new" used car through a dealr and this guy here said that no matter what you need to get the cars checked out, never put money down until I was serious about the purchase, don't but the first time I visit a dealer and never do business with someone you don't trust. Actually I would go back to CFS as while the intertest was high (I got almost three interest points off for my military service and another two points for my wife being a teacher in Broward) the rates and repayment for my 528 credit score wans't bad, especially as there are no early repayment penilties like at other pleaces I resdarched. It's two early to tell but, I don't see a problem here and would say I liked the pople and they seemed to he strait forward with explaining the loan doccuments and what I will pay to borrow the money. Cheers.
Joseph M

Miami, FL

#19 Dec 1, 2012
Not as bad as I thought when I heard "sub-prime." A few years ago I had good credit. My wife and I actually had a home and two small rental properties. She lost her job and we had one bad paying tenant and lost the other through a job transfer. My credit dropped after the truck repossession and foreclosures. We have our selves back on track and got a auto loan here though Jumbo Hollywood Kia. Kevin the Sales Manager at the dealer got us a hugh break on the interest after talking to the owner at this place and they extended the term 6 months more than a different bank to make it a payment that we were really comfortable with monthly. I met the people when I went to their office to complete the loan paperwork. The staff made it easy to understand and treated me with respect, even offered me coffee. I say they are ok to deal with.
Tu eres stupido

Miami, FL

#20 Dec 2, 2012
It's amazing. I've searched the net and can't find anything about this place. Yet all of these people with "testimonials" manage to find this site on Topix.
C'mon now, not everyone is stupid. This guy from CFS is writing these false testimonials....they are all written in the same style. If they have to stoop down to trying to drum up business this way they can't be very reputable.

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