Toyota Financial Services (TFS)
Verified Business
|1.4|27 Reviews (last 12 months)|Responds in 7h 14m
Toyota Financial Services (TFS)
Verified Business
|1.4
27 Reviews (last 12 months)
Responds in 7h 14m
AI Review Summary
Based on recent customer reviews, Toyota Financial Services (TFS) is described by most customers as unresponsive once an account is active. Recurring complaints involve emails and call centre lines going unanswered, calls dropping after the IVR, and requests for settlement figures, paid-up letters, NaTIS documents and cross-border letters dragging on for months. Customers also dispute escalation interest, early settlement penalties, unallocated payments, incorrect debit dates and the handling of deceased estates, credit life and GAP claims. A small group praised smooth settlements and quick delivery of ownership documents.
Performance(last 12 months):
Trustindex Rating
3Ranked In Financial Services
#101Reply Time
7h 14mNPS Score
-59Unlikely
Replied to 88% of negative reviews
Reply time on negative reviews: 8h 12m
TrustIndex
3
Ranking
#101
in Financial Services
Reply Time
7h 14m
NPS Score
-59
Recommended: Unlikely
Replied to 88% of negative reviews
Reply time on negative reviews: 8h 12m
Review Distribution
1.4|27 Reviews
Oct '25 - Sep '26
Recent reviews (27)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceGJ
Graeme J
1 reviews | Active since Apr 2018
24 Aug 2026, 11:07
TFS shocking service
On Friday Ahley Stone committed to get someone to contact me from the department dealing with the particular issue I have. Still waiting I have left three message for the CEO Thabo Manaka, still waiting for a response. Obviosly he is too busy to deal with pesky customers. You only understand the true worth of a company when something goes wrong. Only then do you understand whether it was the correct choice to enter into a contract with this business.
Helpful (0)
|Replies (0)GJ
Graeme J
1 reviews | Active since Apr 2018
24 Aug 2026, 11:07
TFS shocking service
On Friday Ahley Stone committed to get someone to contact me from the department dealing with the particular issue I have. Still waiting I have left three message for the CEO Thabo Manaka, still waiting for a response. Obviosly he is too busy to deal with pesky customers. You only understand the true worth of a company when something goes wrong. Only then do you understand whether it was the correct choice to enter into a contract with this business.
0
Replies (0)LJ
GJ
Graeme J
1 reviews | Active since Apr 2018
19 Aug 2026, 14:12
Toyota Financial Service shocking service
TFS has no concept of customer service. They do have one strength, which is pushing you from one person to another without anyone accepting responsibilty. After five month of trying to get TFS to transfer a vehicle finance from one company, they have failed. Each email taks on average two weeks to respond to. The CEO is far to important to interact with a lowly customer to understand how shocking the company is that he works for. Once you ahve signed your life away to TFS you mean nothing to them, just a money machine for then to milk. I expected better from Toyota.
Helpful (0)
|Replies (2)GJ
Graeme J
1 reviews | Active since Apr 2018
19 Aug 2026, 14:12
Toyota Financial Service shocking service
TFS has no concept of customer service. They do have one strength, which is pushing you from one person to another without anyone accepting responsibilty. After five month of trying to get TFS to transfer a vehicle finance from one company, they have failed. Each email taks on average two weeks to respond to. The CEO is far to important to interact with a lowly customer to understand how shocking the company is that he works for. Once you ahve signed your life away to TFS you mean nothing to them, just a money machine for then to milk. I expected better from Toyota.
0
Replies (2)MN
Maphonyane N
1 reviews | Active since Dec 2017
27 Jul 2026, 10:33
prescription letter
its been 8 months waiting for prescription letter no reply emails and calls nothing
Helpful (0)
|Replies (2)MN
Maphonyane N
1 reviews | Active since Dec 2017
27 Jul 2026, 10:33
prescription letter
its been 8 months waiting for prescription letter no reply emails and calls nothing
0
Replies (2)DC
Dwayne C
1 reviews | Active since Jan 2021
17 Jun 2026, 07:08
Useless services!!!
Don't even bother taking GAPP cover or insuring your vehicle with them. They make up all sort of hidden costs when you have to claim. My father passed away and had Credit Life Insurance and GAPP cover. Eventually TFS got lawers and threatened my grieving mother to pay them money that was actually supposed to be covered by the GAPP cover. When we involved the ombudsman, TFS said the money owed was for delivery of the vehicle and all sorts of other stuff that was not mentioned when they threatened my mother. Long story short, my mother sits with a whole lot of debt now and TFS is smiling because my father paid all these extra Insurance costs for 4 years while driving the vehicle. Poor service from TFS.
Helpful (0)
|Replies (1)DC
Dwayne C
1 reviews | Active since Jan 2021
17 Jun 2026, 07:08
Useless services!!!
Don't even bother taking GAPP cover or insuring your vehicle with them. They make up all sort of hidden costs when you have to claim. My father passed away and had Credit Life Insurance and GAPP cover. Eventually TFS got lawers and threatened my grieving mother to pay them money that was actually supposed to be covered by the GAPP cover. When we involved the ombudsman, TFS said the money owed was for delivery of the vehicle and all sorts of other stuff that was not mentioned when they threatened my mother. Long story short, my mother sits with a whole lot of debt now and TFS is smiling because my father paid all these extra Insurance costs for 4 years while driving the vehicle. Poor service from TFS.
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Replies (1)TM
Thabang M
1 reviews | Active since Jun 2014
3 Jun 2026, 12:18
TFS Thembana Mahlangu and Wyngaard, Ebrahim have been uselss
For the past 4 months my debits have not been going through and always had to call to make a manual payment, I spoke to both Thembana Mahlangu and Wyngaard, Ebrahim, who have been useless I even sent all required documents and them promising to resolve the issue to this day I have not heard from them, they not responding to any of my emails.
Helpful (0)
|Replies (1)TM
Thabang M
1 reviews | Active since Jun 2014
3 Jun 2026, 12:18
TFS Thembana Mahlangu and Wyngaard, Ebrahim have been uselss
For the past 4 months my debits have not been going through and always had to call to make a manual payment, I spoke to both Thembana Mahlangu and Wyngaard, Ebrahim, who have been useless I even sent all required documents and them promising to resolve the issue to this day I have not heard from them, they not responding to any of my emails.
0
Replies (1)DM
Dakalo M
1 reviews | Active since Jul 2021
3 Jun 2026, 08:24
A bad service
Subject: Formal Complaint: Escalation Interest Charged on Account *** Good day, I am writing to formally dispute the charging of “escalation interest” on my account (Account Number: ***), as reflected on my statement for the period 01 May 2026 to 31 May 2026. Despite making payments on my account, including an upfront payment of R20,000, I note that an amount of R1,222.05 was charged as escalation interest during May 2026. This charge is not clearly explained on my statement, nor has its contractual basis been adequately justified. While I acknowledge your explanation that the amortisation schedule is a projection and that the statement reflects actual transactions, this does not address the following critical concerns: 1. The contractual basis for charging escalation interest 2. The specific trigger that resulted in escalation interest being app**** in May 2026 3. Whether escalation interest forms part of the original amortisation schedule 4. How the escalation interest amount of R1,222.05 was calculated In terms of the National Credit Act, any interest or additional charges must: * Be expressly provided for in the credit agreement * Be app**** in accordance with disclosed terms * Be transparent and capable of verification At present, I have not been provided with sufficient information to confirm that the escalation interest charged complies with these requirements. I therefore formally request the following: 1. A copy of the original amortisation schedule applicable to my agreement 2. The exact clause in my credit agreement that permits escalation interest 3. A detailed calculation showing how the escalation interest charged in May 2026 was derived Pending receipt of the above information, I reserve my right to escalate this matter to the National Credit Regulator (NCR) or the Credit Ombud should the charge be found to be unjustified. I trust that this matter will receive your urgent attention and that a full written response will be provided.
Helpful (0)
|Replies (1)DM
Dakalo M
1 reviews | Active since Jul 2021
3 Jun 2026, 08:24
A bad service
Subject: Formal Complaint: Escalation Interest Charged on Account *** Good day, I am writing to formally dispute the charging of “escalation interest” on my account (Account Number: ***), as reflected on my statement for the period 01 May 2026 to 31 May 2026. Despite making payments on my account, including an upfront payment of R20,000, I note that an amount of R1,222.05 was charged as escalation interest during May 2026. This charge is not clearly explained on my statement, nor has its contractual basis been adequately justified. While I acknowledge your explanation that the amortisation schedule is a projection and that the statement reflects actual transactions, this does not address the following critical concerns: 1. The contractual basis for charging escalation interest 2. The specific trigger that resulted in escalation interest being app**** in May 2026 3. Whether escalation interest forms part of the original amortisation schedule 4. How the escalation interest amount of R1,222.05 was calculated In terms of the National Credit Act, any interest or additional charges must: * Be expressly provided for in the credit agreement * Be app**** in accordance with disclosed terms * Be transparent and capable of verification At present, I have not been provided with sufficient information to confirm that the escalation interest charged complies with these requirements. I therefore formally request the following: 1. A copy of the original amortisation schedule applicable to my agreement 2. The exact clause in my credit agreement that permits escalation interest 3. A detailed calculation showing how the escalation interest charged in May 2026 was derived Pending receipt of the above information, I reserve my right to escalate this matter to the National Credit Regulator (NCR) or the Credit Ombud should the charge be found to be unjustified. I trust that this matter will receive your urgent attention and that a full written response will be provided.
0
Replies (1)HN
Hloniphile N
1 reviews | Active since Aug 2018
29 May 2026, 08:49
Bad Service
Can someone call me urgently been calling since yesterday. I need a cross border letter urgently, Iam at the border already. Cant even get assistance from your call center line keeps dropping after the ivr message. This is unacceptable!! *** email me the letter please *** Hloniphile Sithole
Helpful (0)
|Replies (2)HN
Hloniphile N
1 reviews | Active since Aug 2018
29 May 2026, 08:49
Bad Service
Can someone call me urgently been calling since yesterday. I need a cross border letter urgently, Iam at the border already. Cant even get assistance from your call center line keeps dropping after the ivr message. This is unacceptable!! *** email me the letter please *** Hloniphile Sithole
0
Replies (2)