FTL Finance - St Charles, Missouri

Tiffany M.

Do not get a loan through this provider. Direct finance leases should be illegal, they take advantage of customers in a bind. I had to replace my AC system in the middle of summer in the south and had no other choice. Now after making double payments for 6 months, as well as extra money on payments for 9 more months, ive paid over $5000, half the amount of my original loan, while my loan has only gone down $1600. Find someone else to work with if you can.

Dale L.

This has been the worst financial institution I’ve dealt with. I’ve doubled up on all monthly payments but on 1 April 2025 my balance increased. The website shows all your payments but doesn’t even provide your remaining balance and this is a red flag. Use at you own risk but you have been warned!

Jolean G.

Paid off the account in October of 2021 now being contacted stating the pay off amount was not the full amount and now owe 3800 in interest willing to settle for 1000 though. No contact from 2021 to now such as a statement letting me know there was a balance due. Seems shady, requested an account history twice now to no avail.

Diana Z.

I DO NOT RECOMMEND THIS FINANCE COMPANY!!!! So three months ago I did financing for an ac $8500. I’ve been making the monthly payments of $150 for the past three months. I just called to get my payoff thinking that I may owe approximately $8200 and my balance now is $8700 so my balance has gone up $200 but I’ve been making the payments that they told me to make each month! I’m the idiot I guess for not reading the contract properly, but this company is horrible! I financed many things in my life, but this is unacceptable!!!! Depositing cash tomorrow and paying this off!!!!

H W.

A service company dong work at my home recommended FTL for financing. I always look at negative reviews first to see if they are similar. I have no experience using FTL and won't based on reviews/responses. All negative reviews are exactly the same reason. This review isn't for my personal experience with them, it's for their responses to the many negative reviews.

Not every review has a response. The ones that do have the same impersonalized, canned, copy and paste response. RED FLAG #1. This means the company doesn't plan to be accountable. If the upset reviewer does reach out, they will only re-explain their position and not provide any solution, hence the number of bad reviews vs good.

As a guest relations manager, I have high expectations for service which means if I were to leave a bad review, I expect a response and resolution that is personalized and genuine which is how I handle any negative review placed against my company. This gives the company a chance to not only make it right, but show the public they made it right and truly cared about the consumer. I don't see that here, RED FLAG #2.

Across different review platforms, their reviews range from 1.3 - 3.3 and ALL state the same thing. This company robs you with ridiculous loan terms, fees, etc. RED FLAG #3.

Thank you to all those before me that provided reviews for their experience, saving me from making the same mistake. I'll pass on this. My advice for FTL is to reassess your business practices and your service to those that choose to do business with you. You will benefit from that.

Lexington C.

Whatever you DO DO NOT TRUST THESE PEOPLE. I financed $5180 and they charged me a (Finance Charge) of $4872 on top of a 29.9% interest rate. READ THE FINE PRINT. I was okay with the interest rate but I didn't know about the finance charge. I don't know how this is even legal. The worst part is I got 2 loans before I caught it.

kbmarines 9.

Just horrible in every which way imaginable and if you want to get stuck paying on a loan for the next 15 years then be my guest but omg I can’t believe how they even get away with it to the point you take out a loan for let’s say $5000 you end up paying $25,000 at the end of the term or 10 years…. Yes I said that correctly!! 10 years 😒 Are you kidding me and What banks do that on such a small loan!! Unbelievable

Brandon L.

This company reported inaccurately that I had an increasing balance to the credit bureau. This false reporting negatively impacted my credit. I made them aware and their representative, did not care or and refused to make any adjustments.