ROI Financial Services Corporation - (CA)

Anna Petrenko Please don’t use them—not even as a last resort. What they offer isn’t a loan, it’s a lease disguised as one. They’ll promise you the option for early payoff, but when you ask for a quote just a few months in, they’ll demand the full amount of all future payments. We put $35,000 down and financed $50,000. After just three months, they told us the payoff amount was $90,000—even after applying an $11,000 "early payoff discount." The down payment we made didn’t reduce that amount at all. We agreed to the deal because they claimed we could save on interest by paying early. But the interest rate they charge exceeds legal limits. And because it’s a commercial transaction, there are no legal protections—this kind of predatory practice is technically allowed. They prey on small business owners when they’re most vulnerable. Please—wait, save more, and go through a real bank. Don’t let them trap you the way they trapped us.

Leslie Turbow El dorado is a great bank....super people there like Sherry and Amanda.

Laura Juarez The best place to change your dollars at!

Jamie Setterquist Isaiah was very friendly and helpful and answered all my questions. He took the time to get me the information I needed and he was very patient with all of my questions. I hope to work with him again. Thank you Isaiah!