PFS Auto Finance in Killeen, TX

Making payments is pretty simple. They can be mailed in, or done online for a fee of $4.95. I dealt with the Killeen office the few times I needed to call. While they were friendly and easy to deal with I disagree with how they report payments and handle sending the car title. I paid my payments every month yet my credit report was updated only every other month and listed inaccurate payment amounts. Say it was $200/month they instead showed $400 paid every other month. While I am happy they didn't falsely report late payments I would rather they submit the true and accurate payment made each and every month. Upon pay off they said it *could* take up to 60 days to receive a title. In all actuality they do not mail a title until 60 days after payment has cleared. This is not something I've ever experienced in any other company. Usually once a payment is cleared a title is mailed when it is received. I see no point in choosing to hold it for any additional time when a customer has never missed a payment and the full sum has been paid off and earlier than original loan was for at that.

Don't report to the credit bureau on time. Take forever to hand over title. Straight ass