Saddleback Acceptance Corporation N Main St, Santa Ana

After reading all the reviews, I’ve become a bit nervous. So far I’ve had no issues with anyone and they’ve actually spoke to me respectfully. I’ve been off work for over a month due to an injury and unable to make the payment on time. The manager worked with me, changed my payment date so I wouldn’t incur late fees.. Nothing negative to say or report. They took a chance on my low and negative credit score and now I feel like I’m winning and got the car I wanted without settling.

As described on their website, Saddleback is a sub-prime auto lender, for those NOT familiar with that term, it means that they finance people, such as myself with less than stellar credit history and they take the financial burden where other banks or lenders won't. When I purchased my vehicle from them 2 years ago, I had just re-entered the workforce, I had just been at my job for 3 months, and they took a chance on me and financed an auto loan. Have I been in default? Absolutely, have I contacted them to make arrangements? YES! And each and every time they've been REALLY helpful. But I can honestly say that the reps you speak with can only react to you based on your initial approach. If you call in, time and time again with excuses about why your loan is in default, then they'll know you're just a bad pay. If you call once a year or less (such as myself) and are direct about your financial situation, they can really help. I don't think I've ever had a rude encounter, but I've also been pretty humble when I've had to call in. I can't really sit on my high-horse if I'm calling my auto lender because I'm late on my payment. And I get that life happens, we lose jobs, family members suddenly fall ill or unfortunately pass, but those are things that should be communicated immediately, no finance lender will turn you away unless you're now 90, 120, 180, etc. days in default. My credit is now on the road to recovery and I will be done with my loan by next year. I don't foresee having to finance through them again, but my experience with this loan has been positive, it's been my actions (with miss managing money in the past) that could have potentially made this a less than positive experience.

They helped in selling me a lemon vehical and refuse to help me once the warranty expired refused to work with me on my payments since I no longer had a working car. Please do not support this business. They are scam artist. They help sell cars to people with no license bankruptcies bad credit and hope to on pray on people who are already in need and looking for help. I was sold a car that was worth nothing because it was a Lemmon from the time I drived off the lot and they charged me $10,000 and then when it broke down they wouldn’t help me fix it and they repoed the car and keep upping the price even tho the account is closed. It’s not up to almost 13,000 for a lemon vehicle. Take your business elsewhere.

I finished my contract not by option because I had an accident which Saddleback still received $6000 from my insurance and still had me on a strict monthly plan to be handled with no kind of costomer service whatsoever. A lady called me once on Friday evening time I wish I would of got her name and she coldly hung up the phone while I was still talking. I will not ever recooment this loan company to anyone. You always pay more when you make a payment because they don't offer online services. Poor service.

These people are rude to the fullest! Called and asked to speak to a supervisor and was told he was out to lunch. Subsequently I asked to speak to a superior on the floor and was told he was on the phone. After waiting for 10 minutes to get a hold of someone a rude lady answered the phone with a rude tone of voice not even introducing herself. When I asked her if this is the tone of voice she uses with her customers she replied "this is my tone of voice" (with a what are you going to do about it attitude). I told her I would go personally and speak to her superior and she said she'd wait for me and hung up the phone. I stood for my ground drove to their office and encountered another rude so called receptionist by the name of Crystal (chola status). I told her I needed to speak to her boss and refused to get a hold of him. She went to talk to her other chola co-worker (Minerva who I spoke to over the phone) and did not had the guts to speak to me in person. Instead, she called her co-worker Adrian to come and speak to me. What this ignorant staff doesn't understand is that "we customers" contribute to their hourly checks. Then again, what can we expect from uneducated people like them who I think will be better off working at McDonald's. DO NOT FINANCE A CAR WITH THIS COMPANY! You are better off going to your local bank or credit union!

Adrian Lamas is by far the worse supervisor in history. I called to let go of my vehicle because to my unfortunate luck i had a few family members pass away therefore could not continue paying my vehicle and he straight up tried to scare me telling me im getting sued by his company for not paying and they will find a way to garnish my accounts. I let him know i was out of work and This Magot started saying " well obviously you pay rent and bills somewhere because you are living somewhere" saying im a liar for not volunteering to pay the note in full. He was talking over me YELLING and being completely unprofessional getting into my personal life. BUT WHATS TO BE EXPECTED FROM A LEGAL SCAM OPERATION SUCH AS THIS COMPANY BEING RAN BY THUGS. BEWARE OF SADDLEBACK ACCEPTANCE CORP FOR TOUR FINANCE OPTION. STAY AWAY.

In my opinion this is a company that 100% don't recommend...why? Because they are only thinking in get money from you and not to help and then offer insurance to cover a car and when something does not work as they want, does not give you what offer....really a bad company or whatever they call themselves...my opinion.

Bought a car payed all my payments cause I didn't have insurance they took my car payments an used them as insurance payments took me to court lied that I didn't pay all my car payments which I have proof from Western Union repossess the car and then went and got a levy to garnish my work check these people will scam you like it ain't no tomorrow

Worst customer service. I just make my payments if I'm late or not. They call and call and I don't answer anymore. They only care about money and apply bs fees. They do not help when facing financial issues and it is difficult making payments. They pretend to make note of statements over the phone and when I talk to different people I never called.

Waiting for our title for more than a year now. Office manager, Adrian is unqualified for providing any customer service. Poor communication & unprofessional manager & company.