Where the score comes from

Each source counts by its number of reviews. Only reviews written by people are scored.

Rating, volume, share of the score, six-month trend and fake-review risk for each source
Source	Rating	Reviews	Weight	6-mo	Fake risk
Trustpilot Imported Trustpilot reviews	1.2	20	100%		● Low

1.2 / 5 overall

20 reviews across 1 scored source

How fake risk works ⓘ

Reputation trend

Monthly average rating from reviews written by people · latest review Sep 2025.

Last 3 months: 3.0▲ 2.0
12-month avg: 1.3
All-time: 1.2
Category avg: 4.2

Monthly averageCategory average

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Investment Services.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Value	Service	Website & app	Trend	Reviews
Monterey Financial ServicesThis company	1.2 out of 5 (poor)	100 out of 100	1.4 out of 5 (poor)	1.0 out of 5 (poor)	1.0 out of 5 (poor)	—	20
International Card Services	4.2 out of 5 (good)	100 out of 100	—	3.3 out of 5 (fair)	3.0 out of 5 (fair)	—	1,200
Frontier Home Insurance	4.7 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.7 out of 5 (good)	4.6 out of 5 (good)	—	1,060
JustCover Travel Insurance	4.8 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.9 out of 5 (good)	4.7 out of 5 (good)	—	1,060
247 Home Rescue	4.8 out of 5 (good)	100 out of 100	3.9 out of 5 (good)	4.7 out of 5 (good)	4.0 out of 5 (good)	—	1,060

Bottom line: Monterey Financial Services is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 1.0).

Reviews

20 reviews of Monterey Financial Services. Filter by what matters to you.

1.2ⓘ

Customer reviews (20)

0 reviews in the last 12 months

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Josh

1 review

Sep 7, 2025

Featured

Worst experience ever

Worst experience ever! All they offer are predatory loans with super high interest rates. Steer clear of this financial institution. I truly hope the BBB shuts them down.

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Joseph Garcia

1 review

Jun 25, 2025

Featured

Purchased a dog from a local pet shop…

Purchased a dog from a local pet shop back in June 2023. Been making on-time payments since day 1. These last few months since November 2024 have been issues with them applying extra processing fees because the payments have been declined. I have talked to my bank and they said there’s nothing that’s preventing any stop payments or for it to be declined on my banks end. They have claimed that another card of mine on file has been declined for payments so I called that bank as well and same thing. Nothing is preventing any stop payments. I feel like they are frauding the consumer by acting like your bank has declined payments but Monterrey Financial wants to incur more fees. I don’t trust them

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Petrie Williams

1 review

May 5, 2025

Featured

Monterey Financial Services are thieves…

Monterey Financial Services are thieves Would give 0 stars if an option. The worst SCAN ever! I wrote and called Monteray Financial within 12 hours to cancel and was told no they could not. Monterey financial will be in my law suit and social media campaign as they are Tramerigo’s co conspirator partner in this theft. This loan is a scam and What they are selling is a scam and they do not have any discounts, no one to respond to my questions about travel and the travel gift was a total scam. Both companies should be ashamed of themselves for stealing monies from hard working and disabled elderly people. Petrie Williams. President Safety Harbor Kids

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Mary

1 review

Jul 30, 2020

Thieves

I tried to pay my monthly payment for my Career Step loan several times. I was very confused as to why the loan payment would not process. I had a similar problem last month. I finally called and spoke with an agent at Monterey Financial yesterday morning because my frustration with the unprocessed payments surpassed my reluctance to interact with an agent. I have had very negative experiences with agents at Monterey Financial. Yesterday morning the agent and I went over my payment method, the payment amount, and everything checked out fine. I checked my online banking and had no fraud alerts. I obtained the extension number of the agent, hung-up and called my bank. I discovered that the amount of money I authorized Monterey Financial to take from my account was not being honored and Monterey Financial was trying to take more. I called the agent back and told her that the amount that Monterey Financial was trying to take was ten dollars more than what I had authorized. The agent was surprised and relieved to discover what was happening. She explained that there was a ten-dollar processing fee on each payment made through the website. The problem is that this ten-dollar processing fee does not appear on my emailed receipt and I did not check a box acknowledging to pay a higher total than my agreed payment amount. When I did my banking, I only had in the bank account the near exact amount I authorized Monterey Financial to take from the account. This practice is the very definition of hidden fee. While the agent tried to read me the company’s legal ability to take more money than I was aware of, I interrupted her because the simple truth is that the practice is unethical. I have now been robbed in the form of excess fees/fines that have accumulated over a ten-dollar processing fee. A fee that has never been spoken of by any agent that I have spoken to in the last two months. It is amazing after all the trouble banks have gotten into over the last several years for unethical and absurd behavior, financial institutions still participate in such bad practices. It needs to be clearer, the amount of money that will be taken from one’s bank account. I truly believe it is intentionally unclear, as to provide the opportunity to steal money.

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Month	Average	Reviews
Oct 24	1.0	1
Nov 24	1.0	2
Dec 24	1.0	3
Jan 25	1.0	1
Feb 25	1.0	1
Mar 25	—	0
Apr 25	1.0	1
May 25	1.0	1
Jun 25	1.0	1
Jul 25	—	0
Aug 25	5.0	1
Sep 25	1.0	1

Monterey Financial Services reviews & trust report

Monterey Financial Services has a poor customer experience.

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Where the score comes from

Reputation trend

What people praise & complain about

Top complaintsof 19 negative reviews

How it compares

Reviews

Customer reviews (20)

Worst experience ever

Purchased a dog from a local pet shop…

Monterey Financial Services are thieves…

Monterey Financial Services FAQ

Is Monterey Financial Services a legitimate company?

Is Monterey Financial Services a scam?

What services does Monterey Financial Services offer?

What payment methods does Monterey Financial Services accept?

How does Monterey Financial Services handle customer complaints?

Alternatives to Monterey Financial Services

International Card Services

Frontier Home Insurance

JustCover Travel Insurance

247 Home Rescue

eCapital Freight Factoring

Oodle Car Finance

The CrowdTrust Experience⭐

The worst scam company in history

Paid off my loan early but Monterey…

I called in to make a payment

Stay far away from Monterey Financial

I so regret this loan

DISABILITY Discrimination

Insult To Injury

The worst student loan lender

This company cannot improve they are…

Absolutely horrible bank to do business…

Trying to pay off my financed purchase…

Absolutely uprofessional and rude!

Credova aka Monterey Financial Services: Predatory lender

BUYER BEWARE

Thieves

I am only tapping one star because I…

About Monterey Financial Services