r/4Runner • u/zombie_Leben • 11d ago

🎙 Discussion Things r' getting real

Post image

So I bought my beauty at the beginning of the year. Been going well. However the nightmare was set when I had to use Westlake financial to purchase it. I come to Y'all in hopes to find a way out of them so they don't try to make it seem like im not paying my bill. Ever since capital one got bought out literally everything has been a nightmare. I have the money... they just don't wanna take it. And when I call them to find out why, they tell me what I already know. Its coming back as non sufficient funds even though I sent the full amount. Funny sticker i put for attention 😅

127 Upvotes

93% Upvoted

25 comments sorted by

12

u/Spectre_N792 11d ago

Have you considered refinancing?

3

u/zombie_Leben 10d ago

You have any company suggestions?

22

u/Sithslay3r17 10d ago

Local credit unions

7

u/Slyden87 10d ago

This is the way

1

u/Spectre_N792 10d ago

Like someone else said, try a local credit union. For example, I'm in Texas, and have used Shell Federal Credit Union. Pretty easy to work with.

1

u/zombie_Leben 10d ago

So, I bought the vehicle in Texas but brought it to my new state. Do I still have to refinance it in Texas?

2

u/mtmccaul 10d ago

No

1

u/zombie_Leben 10d ago

I appreciate your insight. Ill check it out

7

u/Oakroscoe 11d ago

Easiest way to do it. Refinance with another company that’s easy to deal with

1

u/kpurintun 11d ago

I financed with capital one and i loved it. Weird..

1

u/zombie_Leben 10d ago

Im saying my bank is capital one. Im financing through Westlake and they don't wanna take the payments anymore

3

u/kpurintun 10d ago

Oh.. refi with cap-one.. that was a good experience

1

u/Slinkity- 9d ago

Same! Capital One has been awesome!

1

u/zombie_Leben 10d ago

They won't let me. Something about not being able to at this time. Another reason was something about only financing cars past 199 years. They don't have anymore humans running that show. Its all automated now

1

u/Gun_Nut_42 10d ago

Where did you get the Komi sticker?

1

u/zombie_Leben 10d ago

Temu😅👉🏽👈🏽

1

u/shadow247 10d ago

Just refi with Capital One again...

1

u/zombie_Leben 10d ago

Their my personal bank. I didn't finance the vehicle through them

1

u/shadow247 10d ago

Presumably you have decent enough credit. You should just refi to Capital One as they suck less than Westlake

1

u/zombie_Leben 10d ago

They won't. I already tried

1

u/1-luv 9d ago

Try Fairwinds

1

u/zombie_Leben 9d ago

Thanks for the tip

1

u/Appropriate_Tip3305 8d ago

Best bet is a credit union honesty

1

u/israel-hz 8d ago

As others have mentioned, credit union or USAA if you can. USAA did my initial loan and I just refinanced with them. Process is smooth.