Challenge Financial Services

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660 Bay Blvd Ste 201
Chula Vista, CA 91910
+1 (619) 591-2790
http://www.challengefinancialservices.com

History

Challenge Financial Services is an indirect auto finance company serving markets through out the Southwest region. We purchase and service sub-prime auto loans originated by independent and franchise dealers. In operation since 1994, Challenge is a privately-held, family owned business with more than $85,000,000 in outstanding receivables under management. Challenge Financial's capital structure depends on a private pool of investment that secures our primary operating line of credit. The key to our success has been establishing close, long-term relationships with our dealers. By maintaining a full service local office in each market we serve, Challenge is able to deliver a superior level of service, convenience, and market focus to our dealers, and our customers.

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Reviews

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4.045 reviews
Photo of Jared H.
Jared H.
7/20/2022

I had a truly wonderful experience with this business as a customer. It was a joy working with them every time I was in communication and they made it easy and friendly. We hit a small bump in...

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Samantha H.
6/4/2025

Don't get a loan from them!!!!!! They're just sell you bad cars I paid 25 k for a Nissan only owed 5 k they didn't even sell it to auction and sued me I needed a new car to drive for work because...

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Xiomara B.
6/16/2025

Catalina at extension 121 was the most rudest customer service representative I have ever spoken to. She was condescending and had no professionalism when speaking to me. My son has a loan with...

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Scott D.
11/29/2024

I have been working with Challenge Finance for about a year now. I've had the good fortune to be assigned to their representative Julie who has been amazing to work with. Knowledgeable and...

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Cami T.
8/6/2024

Let me start off by saying I have had issues with more than just one person at this business if that's what you wanna call it. I was making my payments on time and ran into some financial issues...

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