Auto loans · Methodology v2026.08 · graded 2026-09-05
Westlake Financial grades F (24/100) for auto loans under our published rubric, with 3 of 7 dimensions scored — 50% of the rubric's weight, so the grade is provisional. Every number below links to the lender’s own page or a regulator’s record, with the date we retrieved it.
Westlake Financial
Westlake Services, LLC (d/b/a Westlake Financial Services), and subsidiary Wilshire Consumer Credit, LLC
Why this grade cannot be higher than C
Subject of a 2015 CFPB consent order (Docket 2015-CFPB-0026, filed Sept. 30, 2015, CFPB Office of Administrative Adjudication) against Westlake Services, LLC and its subsidiary Wilshire Consumer Credit, LLC, resolving allegations of illegal debt-collection practices, including deceiving borrowers with spoofed caller ID information (displaying phrases like 'Pizza Delivery' or 'Repossession Services'), falsely threatening criminal prosecution, and improperly disclosing debts to borrowers' employers and family. The order required $44.1 million in consumer relief plus a $4.25 million civil penalty (status: 'Expired/Terminated/Dismissed' per the CFPB's own enforcement-action record as of 2026, i.e., a concluded, closed matter). Source (retrieved 2026-08-24)
0/100
No APR figure is published on this lender's consumer-facing pages as of 2026-08-24; rates are set loan-by-loan.
No confirmed maximum/ceiling APR is available for this lender, so cost level cannot yet be compared to the benchmark. A published "starting at" rate alone is not a ceiling.
Origination/administrative fee data has not yet been collected for this lender.
60/100
1 public enforcement action on record: CFPB (Office of Administrative Adjudication) (2015-CFPB-0026, filed 2015-09-30, status: Expired/Terminated/Dismissed — concluded, per CFPB's own enforcement-action record as of 2026).
No CFPB complaint-volume figure has been mapped for this lender yet.
Licensing could not be independently confirmed from the sources reviewed. This does not mean unlicensed — only unconfirmed in current research.
0/100
0 of 2 structural terms are clearly disclosed on the lender's own materials — not disclosed: Loan term range, Loan amount range.
See Westlake Financial’s own rate page · Graded 2026-09-05 under methodology v2026.08.
The weights and thresholds are published on the lender grades criteria page before any grade, using numbers fixed in advance. A stranger can take the same public facts cited here and reproduce this grade by hand. A dimension only scores when a real, sourced number exists for it — when one is missing we say “not yet researched” instead of averaging it away, and the “% of rubric scored” figure above is the exact fraction of the published weight this grade rests on.
3 of the 7 published dimensions — cost transparency, regulatory record, terms clarity — each backed by a published number, a source URL, and a retrieval date. That is 50% of the rubric's total weight, which is why the grade is labelled "Provisional". The remaining 4 (cost level vs. mla benchmark, fee burden, complaint density, licensing verifiability) are not scored yet; we say so rather than guess.
No. It is an educational summary of public facts about Westlake Financial's published terms and public record under a rubric fixed in advance (methodology v2026.08). It is not legal or financial advice, and a grade cannot tell any one borrower whether a loan fits their situation.
Westlake Financial's own published terms cross a threshold this methodology fixed in advance, or a public regulator has a docketed enforcement action on file, so the grade cannot be higher than C regardless of the other dimensions. The exact figure or docket, with its source and retrieval date, is shown on this page.
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