---
title: "First Investors Financial Services Review: Payments, Owner, Record"
description: "First Investors Financial Services, owned by Stellantis since 2021: free ACH vs a $3.75 debit fee, due-date and extension rules, and a 2014 $2.75M CFPB order."
url: "https://baronauto1.com/financing/first-investors-review/"
type: "article"
published: "2026-10-10"
modified: "2026-10-10"
site: "Baron Auto"
disclaimer: "This site is under new ownership and is not affiliated with Baron Auto Emporium dealership."
---

# First Investors Financial Services Review: Payments, Owner, Record

> First Investors Financial Services, owned by Stellantis since 2021: free ACH vs a $3.75 debit fee, due-date and extension rules, and a 2014 $2.75M CFPB order.

*Car Loans & Credit · 22 min read · 4,900 words*

## The short version

- First Investors Financial Services is a Houston auto lender for borrowers with damaged credit. Stellantis, the maker of Jeep, Ram and Dodge, has owned it since 1 November 2021, and it now trades as “Stellantis Financial Services, Inc. d/b/a First Investors Financial Services.” Its website is fifsg.com; firstinvestors.com redirects to an unrelated hotel company.
- Its own pages disagree about refinancing: About Us describes mailed offers to refinance an existing car loan, while the FAQ says “First Investors does not refinance loans.”
- Paying from a bank account online or by phone is free. A debit card costs $3.75 a payment, and credit cards are not accepted.
- There is no grace period for the payment itself, only for the late fee your contract sets. A due date can move up to 20 days in total, and paying ahead moves it 3 months at most.
- In 2014 the CFPB fined First Investors $2.75 million for years of known errors in what it sent to the credit bureaus; the company neither admitted nor denied the findings.
- EDGAR shows 19 First Investors Auto Owner Trust bond deals from 2015 to September 2026, and Stellantis lists the 2025 deal as its only subprime one in two years.

First Investors Financial Services is a licensed auto lender, owned by Stellantis, that buys car-loan contracts from franchised dealers for buyers with weak credit, including people coming out of bankruptcy. On 10 October 2026 we read its [FAQ](https://www.fifsg.com/Customers/FAQs), payment, disclosure, dealer and about pages, its simple-interest letter and privacy notices; its parent’s Important Disclosures; its SEC filings from a 2007 annual report to a September 2026 bond report; Stellantis’ 2021 purchase releases and annual reports; the CFPB’s 2014 consent order; and its CFPB complaint counts. We entered no login, payment or application, and this site has no commercial relationship with First Investors or any lender.

**Figure: What First Investors’ own pages say happens when you…**

A two-column table of eight situations and what First Investors Financial Services’ own FAQ, payment and disclosure pages say about each: a mailed refinance offer its FAQ disowns; a $3.75 Paymentus fee on debit-card payments while bank-account payments are free; its own $415.17 example, where paying 14 days later sends $67.17 more to interest; due-date moves of up to 20 days with the 27th to the 2nd barred unless on auto debit; paying ahead capped at 3 months; extensions that turn a 60-month loan into 62 months; no past-due reporting from 0 to 29 days; and the right to redeem a repossessed car.

Read from First Investors’ FAQ, Payment Options and Important Disclosures pages and its simple-interest letter at fifsg.com on 10 October 2026. No login, payment or application was entered.

## What First Investors is, and the website that is not it

About Us now opens: “Stellantis Financial Services, Inc. d/b/a First Investors Financial Services, is an automobile finance company founded in 1988 to serve the special finance needs of automobile dealers and consumers.” A related company, First Investors Servicing Corporation, collects the loans; its NMLS number, 219045, is in the footer of every page, and the lending company carries NMLS 128351 on its parent’s licensing list. The 2007 annual report put the headquarters in Houston and the loan servicing center in Atlanta.

Search for the company and you may land on the wrong site. On 10 October 2026 every request to firstinvestors.com answered with a permanent redirect to firsthospitality.com, a hotel business. The lender’s address, named in its 2008 shareholder release and on the South Carolina licence it posts, is [fifsg.com](https://www.fifsg.com/). Before you pay anyone, check that the page shows First Investors Servicing Corporation and NMLS 219045.

Its dealer programs “generally target consumers with credit scores of 510 and greater, including a strong emphasis on consumers who have gone through a bankruptcy process,” and the dealer page lists 36 states where it finances dealers. The CFPB’s 2014 order put it this way: “Many of the consumers who obtain credit through Respondent have impaired credit profiles.” Our guides to [the credit score you need to buy a car](https://baronauto1.com/financing/credit-score-to-buy-a-car/) and [buy here pay here lots](https://baronauto1.com/financing/buy-here-pay-here/) cover the same market from the buyer’s side.

## Dealer loans versus direct refinancing: its pages disagree

Most First Investors borrowers never apply to it directly. The dealer writes the retail installment contract, sends the application to lenders, and assigns the contract to the one that approves it; dealers submit to First Investors through DealerTrack: “Just enter the application, select First Investors Financial Services, and click Submit.” From then on you pay First Investors, and the contract the dealer wrote sets your rate, term, late fee and any arbitration clause. First Investors publishes no sample contract; our guide to [dealer fees](https://baronauto1.com/financing/what-are-dealer-fees/) lists what else goes into one.

The second channel is where the company contradicts itself. About Us says its “Direct Lending business, established in 1996, targets qualifying consumers with pre-approved offers of credit using a direct mail platform,” giving “selected consumers” the chance “to refinance their existing auto loan.” The FAQ asks “Does First Investors refinance existing customers?” and answers “No. First Investors does not refinance loans.”

Its filings show refinancing was once the bigger business. The 2007 annual report says the direct program “contributed 63.8% of origination volume for the year ended April 30, 2007,” and Stellantis’ 2021 release still described “refinancing transactions with the vehicle owners.” The newest filing points the other way: the accountants’ report on the September 2026 bond deal describes its pool only as “motor vehicle retail installment sale contracts,” the form dealers use. No page gives a date for any change, so if you hold a mailed refinance offer in First Investors’ name, confirm it through the contact details on fifsg.com, not the letter.

**Offers in its name.** First Investors’ fraud page says “it appears that some callers may be using our name,” and that it “does not guarantee loan approval and will never ask for or require an up-front fee. Any fees charged by us will be disclosed to you and only paid at the time of funding after the loan application is approved.” It says it has no relationships with loan modification companies. A caller who wants money before a loan funds is not following First Investors’ own stated rules.

For a lower rate on an existing loan, see our guide to [refinancing a car loan](https://baronauto1.com/financing/refinance-a-car-loan/) and our reviews of [RateGenius](https://baronauto1.com/financing/rategenius-review/) and [Caribou](https://baronauto1.com/financing/caribou-auto-refinance/), which read two refinance brokers’ terms. For other lenders that buy dealer contracts from borrowers with weak credit, see [Credit Acceptance](https://baronauto1.com/financing/credit-acceptance-review/) and [Westlake Financial](https://baronauto1.com/financing/westlake-financial-review/).

## How to pay First Investors, and what each way costs

The cheapest way to pay is from a checking or savings account. The [Payment Options page](https://www.fifsg.com/Customers/PaymentOptions) repeats under almost every method: “You may always make an ACH payment via telephone or our web site from your checking or savings account without a service fee.” The login and guest-payment buttons hand you to Paymentus, the company that processes its debit-card payments; we did not open that portal.

**Ways to pay First Investors and what its pages say about cost, read 10 October 2026**

| Method | What First Investors says | Cost it prints |
| --- | --- | --- |
| Online or phone, from a bank account (ACH) | “This is a free service” | None |
| Debit card, online or by phone | Through Paymentus; “Not available in all states”; after 8pm ET it credits the next day | $3.75 a payment |
| Credit card | “First Investors does not accept payments via credit card” | Not accepted |
| Walmart Money Center | Cash or PIN debit; “Payment will be received in 3 days” | “There may be a fee” |
| Western Union Quick Collect | Code City & State: FLAG, GA | “There may be a fee” |
| MoneyGram Express Payment | Receive Code: 1779 | “There may be a fee” |
| Check or money order by mail | A check may be turned into a one-time electronic transfer | None, “other than late fee, NSF fee, if applicable” |

By our arithmetic, the $3.75 debit-card fee every month adds $45 a year, or $225 over a 60-month loan. The FAQ says it has no tie to bill-payment services such as DOXO or to “payment accelerator programs offered by AutoPayPlus or other companies.”

A few mechanics matter. There is no coupon book; “The statement prints 21 days before your current due date.” To cancel a pending phone payment you “must call 48 hours (Monday – Friday) in advance”; a web payment must be cancelled “at least 1 business day prior.” A bounced payment may be tried again, and “Resubmission may occur up to 7 days after the original payment date.” The online portal “shows only the payments that were made via the First Investors Servicing Corporation (FISC) portal,” so keep your own record of anything paid another way. Auto debit “normally takes 20 days” to set up, and a cancellation “must be received no later than 3 business days before the next due date.”

## Due dates, grace periods, late fees and simple interest

The most useful line in First Investors’ disclosures is about grace periods: “payments are considered past due if not received by the due date, even if your contract contains a ‘grace period.’ If your contract permits a late fee, a ‘grace period’ only pertains to when a late fee will be assessed.” The FAQ is blunter: “Is there a grace period for making payments? No.” Its example: with a payment due on the first and “a 15-day grace period, a late fee will be assessed if the payment is received on or after the 16th of the month.”

First Investors prints no late-fee amount for most states. The one schedule we found is on its parent’s [Important Disclosures page](https://www.stellantis-fs.com/Legal/ImportantDisclosures), under “Delaware Residents,” listing charges that “may be assessed as of 6/24/2020”: interest rates that “range from 8.25% to 24.95% APR and are based on creditworthiness”; a $55 title fee; a late charge of “5% of the installment payment or portion thereof in default” after “a 10 day grace period”; post-default costs including “retaking, holding, preparing for disposition” a car; and $40 per returned payment. On the $415.17 example payment in First Investors’ own letter, that 5% would be $20.76, by our arithmetic. It is a Delaware schedule from 2020; your contract binds you.

“You are allowed to move your due date up to 20 days from your original due date,” in one change or several, but never more than 20 days in total. The account must be current, the first payment made, and a signed form returned, and “no due dates are allowed between the 27th of the month to the 2nd of the following month (inclusive) unless you’re set up on the auto debit payment program.” A move is not free: on the letter’s example loan, where a day’s interest is $4.8668, using all 20 days at once adds about $97.34 of interest before the next payment, by our arithmetic.

Paying extra buys limited time: twice the amount due moves the next due date 2 months, three times moves it 3, and “the most we will move your next due date is 3 months regardless of the amount paid.” Extra money reaches principal only after interest and any fees due, “principal only payments” are refused, and if you skip a month after paying ahead, “interest is still accruing” and “most or all of the next payment may be applied to interest.”

### What paying late costs, in First Investors’ own numbers

These are simple-interest loans: interest builds daily on the unpaid principal and is paid first. The FAQ shows the method, “($10,000 x 18%) / 365 = $4.93” a day, and the [simple-interest letter](https://www.fifsg.com/Content/pdf/Simple%20Interest%20Letter.pdf) works an example: a $19,737.71 balance at 9% APR with a $415.17 payment.

**How First Investors’ own simple-interest example splits a $415.17 payment by days since the last one**

| Days since last payment | Interest | Principal | Source |
| --- | --- | --- | --- |
| 28 (first payment, $19,737.71 balance) | $136.27 | $278.90 | First Investors’ letter |
| 31 (next payment, $19,458.81 balance) | $148.74 | $266.43 | First Investors’ letter |
| 45 (the same payment, 14 days later) | $215.91 | $199.26 | First Investors’ letter |
| Difference, 31 versus 45 days | $67.17 more | $67.17 less | Our arithmetic |

That is why lateness costs more than any late fee: each late month leaves more principal for next month’s interest. If you reach the end of the term with money still owed, the FAQ says “the final balance may be significant (i.e., much more than the regular monthly payment amount),” though you may keep paying the regular amount until it is cleared. Paying early works the other way, and “There is no penalty for early payoff.”

## Hardship, payment extensions and repossession

First Investors publishes no skip-a-payment program. Its FAQ says “Timing is critical and we encourage our customers to contact us as soon as they identify the onset of financial hardship.” For an extension, “you will need to submit a payment extension application and receive approval,” and “Approval is not guaranteed, so please continue to make timely payments until you are notified that the extension application has been approved.”

An extension moves payments to the end of the loan; it does not pause interest. The FAQ’s example: “if your contract has a 60 month term and you receive a two month extension, your term will now be scheduled to expire at the end of the 62nd month.” Interest keeps accruing, and “your payments following the extension period will be disproportionately allocated to the unpaid interest.”

**Extensions can shrink a GAP payout.** The FAQ says “GAP and debt cancellation waivers may be impacted by payment extension(s) and a claim may not pay the entire remaining deficiency balance.” Its parent’s disclosures add that the GAP it sells “will not cover a deficiency balance resulting from a repossession or voluntary surrender.” Read your GAP addendum before signing an extension; our pages on [GAP insurance](https://baronauto1.com/financing/gap-insurance/) and [negative equity](https://baronauto1.com/financing/negative-equity-car-loan/) explain what it is meant to cover.

If the car is repossessed, the FAQ says: “You always have the right to redeem the vehicle by paying the full amount owed prior to the sale of the vehicle. In some states, you have the legal right to reinstate the contract by paying the delinquent amount (including fees) prior to the sale of the vehicle.” Elsewhere, “you may be eligible to reinstate,” and the amounts arrive in a notification letter.

State rules show through the documents it posts. Its South Carolina pamphlet, naming “Stellantis Financial Services, Inc. d/ba First Investors Financial Services” as lender, says the lender “must send you a ‘Notice of Right to Cure’ before repossessing the property. After the lender sends the notice you have twenty (20) days to make the missed payment(s),” and warns “You could be responsible for paying any amount not repaid by selling the collateral.” That leftover debt is the deficiency, which our guide to [car repossession](https://baronauto1.com/financing/car-repossession/) explains. How fast First Investors repossesses today, it does not say; its 2007 annual report said repossession “Generally this occurs at 60 to 90 days after the loan becomes past due.”

For servicemembers whose loan predates service, “the SCRA requires your lender to obtain a court order before it can repossess,” and interest is capped at “6 percent per year during the time of military service.” First Investors says it goes further, honouring rate cuts for those “deployed outside the USA” and for “National Guard active duty orders even if not covered by the SCRA or state law,” with requests accepted “up to 180 days after the date active duty terminates.” But an account covered only by company policy “may not be entitled to all of the benefits of the SCRA, such as prohibition of self-help repossession.”

**Figure: Annotated photograph**

Three numbered callouts over the photograph mark the phone, the hand and the lap below it, each with one fact from First Investors’ FAQ.

First Investors’ FAQ, read on 9 October 2026: A mailed refinance offer? First Investors’ FAQ says it ‘does not refinance loans’ (callout 1); Pay ahead and the due date moves 3 months at most; interest keeps accruing daily (callout 2); No title 20 days after your final payment is processed? Its FAQ says to contact it (callout 3). The photograph is illustrative.

## Credit reporting, disputes and the 2014 CFPB order

First Investors reports to “Equifax, Experian, TransUnion, and Innovis.” Its FAQ draws a clear line: “Accounts that are 0-29 days past due will not report to the credit bureaus as past due. However, once an account becomes 30 or more days past due, it is at risk of reporting as past due.” It reports “the payoff amount as the current balance,” so the balance on your report can rise between payments. Disputes go in writing, and “A response will be sent within 30 days of receiving the dispute; however, responses are typically sent within 14 business days.” Accurate late payments stay: “We are unable to modify information that is reporting accurately.”

Those answers read differently against the company’s record. On August 20, 2014, the Consumer Financial Protection Bureau issued a [consent order](https://files.consumerfinance.gov/f/201408_cfpb_consent-order_first-investors.pdf) against First Investors Financial Services Group, Inc. (File No. 2014-CFPB-0012). The company consented “without admitting or denying any of the below findings of fact or conclusions of law,” and was ordered to pay “a civil money penalty of $2.75 million.” The CFPB’s release said the errors “potentially harmed tens of thousands of its customers.” The case is listed as “Post Order/Post Judgment.”

**What the CFPB’s 2014 consent order found First Investors reporting wrongly (findings the company neither admitted nor denied)**

| Error | When the order says it knew, and until when | Accounts misreported each month |
| --- | --- | --- |
| Payment history profile (up to 24 months of activity), to one bureau | No later than March 2011; workaround in about November 2011 | 11,804 to 14,622 |
| Date of first delinquency, which sets the 7-year reporting clock | No later than April 2011; until at least December 2013 | 1,620 to 7,950 |
| Amount past due, overstated | No later than April 2011; until at least June 2013 | 1,326 to 2,747 |
| Monthly payment amount, understated | No later than December 2012; until at least June 2013 | 4,151 to 9,920 |
| Voluntary surrenders reported as involuntary repossessions | No later than August 2012 | No count given |

The order covers “as many as 118,855 unique accounts,” gives an example of “eleven historical delinquencies when in fact the consumer had only been delinquent twice,” and says that on two of the errors First Investors “took no further action to address the problem until December 2012, after Respondent received from the Bureau a Civil Investigative Demand.” It quotes the FAQ of the time, which promised “we only furnish accurate information relating to a consumer to the consumer reporting agencies,” and found that promise deceptive. Today’s answer to the same question drops it and asks you to send a dispute. The order required corrections or deletions within 120 days, a notice to affected customers that “Since 2011, Respondent has been providing inaccurate information about some of its customers to the CRAs,” and free credit reports for 180 days. If an old First Investors delinquency still shows, check its date of first delinquency.

## Payoff, title release and add-on products

“First Investors does not charge any prepayment fees.” A payoff “includes the principal balance, any outstanding fees (if applicable), and the interest accrued from the last payment received,” and the letter adds that you “will not receive a refund of finance charges if you pay off the contract early”; you simply stop paying future interest. Overpayments must be refunded “no later than 30 calendar days after the account has been paid in full.”

The lien is released “within a reasonable time following payment in full,” and “The timing of the release is determined by form of the final payment (e.g., bank check, dealership check, certified funds, or personal check).” In the 21 states it lists as electronic, from Arizona to Wisconsin, First Investors notifies the state, which issues the title on its own timetable; where it holds a paper title, it mails it to the address on your account. “If you have not received your released title by the 20 th day following the processing of the final payment,” contact it.

Two account rules surprise people. Adding or removing a borrower “is generally not permitted”; our guide to [co-signing a car loan](https://baronauto1.com/financing/cosigning-a-car-loan/) covers what that means. And add-ons can come off: “First Investors does not require the purchase of any ancillary products in order to be approved for financing. Ancillary products are optional.” The FAQ lists credit life and disability cover, service contracts, GAP, maintenance and tire-and-wheel plans; a cancellation refund is credited to the loan if a balance remains, and otherwise “refunds take up to 60 days.”

## Who owns First Investors: from Nasdaq to Stellantis

Between 2008 and 2021 First Investors filed no annual reports; the only owner named for that time is the seller in Stellantis’ 2021 release.

**First Investors’ ownership from its filings and releases, read 10 October 2026**

| Date | Event | Document |
| --- | --- | --- |
| 1988 or 1989 | About Us says “founded in 1988”; the 2007 annual report says “organized in 1989” | fifsg.com; Form 10-K |
| October 4, 1995 | Public offering; traded on Nasdaq as “FIFS” until December 1, 2004 | Form 10-K |
| October 2, 1998 | Bought its servicer, then Auto Lenders Acceptance Corporation, from Fortis, Inc. | Form 10-K |
| June 18, 2008 | Form 15 ends SEC reporting, with 15 holders of record; savings put at about $500,000 a year | Form 15; June 2008 release |
| September 1, 2021 | Stellantis agrees to buy F1 Holdings Corp., First Investors’ parent, for about $285 million from “an investor group led by Gallatin Point Capital LLC” | Stellantis Form 6-K |
| November 1, 2021 | Closing; First Investors “has been renamed Stellantis Financial Services US Corp.” | Stellantis Form 6-K |
| 2022 | Stellantis puts the consideration at €255 million ($289 million); EDGAR changes the name on February 14, 2022 | Form 20-F for 2021; EDGAR |
| Today | Lends as Stellantis Financial Services, Inc. d/b/a First Investors; Stellantis owns 100% of Stellantis Financial Services US Corp. | fifsg.com; Form 20-F for 2025 |

Stellantis wanted a U.S. finance company of its own; its 2021 release said “Stellantis is the only major OEM currently operating in the U.S. without a captive auto finance company.” Its [annual report for 2025](https://www.sec.gov/Archives/edgar/data/1605484/000160548426000021/stellantis-20251231.htm) describes Stellantis Financial Services U.S. as “playing a predominant role in retail and leasing financing with a market share of approximately 18 percent and 90 percent respectively,” and says “in 2025 Stellantis terminated the agreement with Santander Consumer USA Inc.,” which had lent “under the Chrysler Capital brand name” since 2013; our [Chrysler Capital review](https://baronauto1.com/financing/chrysler-capital-review/) covers that side. The privacy notice on fifsg.com (revised February 2026) covers the Stellantis and First Investors companies together, names “FCA US, LLC, Mobilisights” among affiliates, and lets you limit marketing by affiliates and outsiders but not joint marketing; for a new customer, “we can begin sharing your information 30 days from the date we sent this notice.”

## Its loan book and bond deals, as filed

The last full picture of First Investors’ loans is its [2007 annual report](https://www.sec.gov/Archives/edgar/data/948034/000110465907055546/a07-19882_110k.htm). At April 30, 2007, it held about $458.6 million of receivables across 27,767 loans, 31.5% of them owed by Texas residents. By value, 79% financed used vehicles; the average used-car loan started at $19,838 over 65 months at 14.0% APR with a $437 payment, and the average new-car loan at $24,474 over 70 months at 14.3% with a $512 payment. It had 435 dealer agreements. The 2008 release reported 30-day delinquencies of 0.72% at April 30, 2008, against 0.50% a year earlier, and net charge-offs of 3.0% against 2.5%. All of that is history, not today’s terms.

From 2012 its bond filings fill part of the gap. Under SEC Rule 15Ga-1, securitizers report demands that they repurchase loans sold into their deals, and First Investors’ quarterly reports from 2012 to 2014 tabled the loans in each of its funding vehicles.

**Loans in First Investors’ securitization vehicles at each quarter end, from its Form ABS-15G filings (no repurchase demands reported)**

| Quarter end | Loans | Dollars |
| --- | --- | --- |
| June 30, 2012 | 29,898 | $452,147,104.28 |
| September 30, 2012 | 32,648 | $516,605,687.80 |
| December 31, 2012 | 35,836 | $588,312,129.02 |
| March 31, 2013 | 37,985 | $633,773,610.15 |
| June 30, 2013 | 41,121 | $701,566,041.90 |
| September 30, 2013 | 45,386 | $788,142,894.81 |
| March 31, 2014 | 49,768 | $893,909,050.11 |
| June 30, 2014 | 54,734 | $975,896,028.61 |
| September 30, 2014 | 58,798 | $1,059,534,096.46 |
| December 31, 2014 | 62,653 | $1,132,867,702.29 |

By our arithmetic, loans in those vehicles rose 109.6% in two and a half years and dollars 150.6%, as the average balance grew from $15,122.99 to $18,081.62. All 24 Rule 15Ga-1 reports filed from 2012 to February 2026, 20 under First Investors’ own SEC number and 4 by Stellantis Financial Services, Inc., report no repurchase demands.

EDGAR also holds the accountants’ pre-sale check, a Rule 15Ga-2 report, for 19 First Investors Auto Owner Trust deals from 2015-2 to 2026-2: 15 under First Investors’ own SEC number through 2022-2, and 4 (2023-1, 2025-1, 2026-1 and 2026-2) filed by Stellantis Financial Services, Inc. No 2024 First Investors deal appears. None has a prospectus on EDGAR, so pool rates and losses are not public. Stellantis’ 2025 annual report sizes one deal, “First Investors Auto Owner Trust 2025-1 €565m / $664m Subprime retail assets,” the only subprime line among ten term deals it lists for 2024 and 2025. The [accountants’ report](https://www.sec.gov/Archives/edgar/data/1980666/000119312526396568/d188868dex991.htm) on the newest deal, dated 18 September 2026, describes contracts “substantially all of which are obligations of non-prime (including sub-prime) credit quality obligors”; Ernst & Young checked a random sample of 150 against First Investors’ systems, on fields including interest rate, FICO and loan-to-value, and found one difference, a remaining term of 55 months in the data file against 58 in the servicing system.

## First Investors complaints: what the CFPB database holds

The CFPB’s complaint database files First Investors under two names. “First Investors Servicing Corporation, Atlanta, GA Branch” holds 300 complaints received from 13 August 2013 to 1 January 2022. “Stellantis Financial Services US Corp.” begins on 14 December 2021, weeks after the purchase, and held 1,110 to 8 October 2026; it covers all of Stellantis’ U.S. captive lending and leasing, so it is not a First Investors count, and we never add the two. Complaints are consumers’ own unverified accounts, and counts grow with a lender’s size. The CFPB has published no narratives since 30 September 2026, and none are counted.

**CFPB complaints by year received, under the two names, as of 10 October 2026**

| Year | First Investors Servicing Corporation | Stellantis Financial Services US Corp. |
| --- | --- | --- |
| 2013 to 2016 | 3, 13, 32, 20 | – |
| 2017 to 2020 | 35, 33, 58, 51 | – |
| 2021 | 54 | 3 |
| 2022 | 1 | 87 |
| 2023 | – | 123 |
| 2024 | – | 223 |
| 2025 | – | 337 |
| 2026 (to 8 October) | – | 337 |
| Total | 300 | 1,110 |

The subjects echo the 2014 findings. Under the First Investors name, 113 complaints were filed as credit reporting and 5 under the older “Credit reporting” label, against 75 under vehicle loans; 28 closed with monetary relief and all 300 were answered on time. Under the Stellantis name, 459 and 105 sit in the two credit-reporting products and 399 under vehicle loans, 87 of them about repossession; 37 closed with monetary relief.

The CFPB’s enforcement index lists one action, the 2014 order. Searches on 10 October 2026 found no state attorney-general or regulator action naming First Investors or Stellantis Financial Services, Inc., though without a state-by-state docket search that is not proof there is none. Its Texas disclosure says it is “licensed and examined under the laws of the State of Texas.” BBB’s site answered with a block page, so no BBB figure is used.

## Before you sign, or if you already pay First Investors

- **Confirm who you owe.** Look for First Investors Servicing Corporation and NMLS 219045, on fifsg.com, not firstinvestors.com.
- **Read your contract’s late-fee, grace and arbitration terms.** First Investors prints no general fee schedule or arbitration clause; the contract is where they live.
- **Pay from a bank account.** ACH is free; a debit card costs $3.75 a time; credit cards are refused.
- **Pay by the due date, not the end of the grace period.** Interest runs daily either way.
- **Keep your own payment records.** The portal shows only payments made through it.
- **Refuse up-front fees.** First Investors says it “will never ask for or require an up-front fee.”
- **Read your GAP addendum before an extension.** An extension can leave GAP short.
- **Chase the title by day 20.** That is when the FAQ says to contact it if the title has not arrived.
- **Check all four bureaus.** Equifax, Experian, TransUnion and Innovis; dispute in writing.

## Common questions

### Is First Investors Financial Services a legitimate lender?

Yes. It is a licensed lender and servicer owned by Stellantis: the servicer carries NMLS 219045 and the lending company NMLS 128351. Its record includes the 2014 CFPB consent order and $2.75 million penalty for credit-reporting errors, settled without admitting or denying the findings.

### Who owns First Investors Financial Services?

Stellantis N.V., the carmaker behind Jeep, Ram, Dodge and Chrysler, which bought its parent, F1 Holdings Corp., from an investor group led by Gallatin Point Capital LLC for about $285 million, closing on 1 November 2021.

### Does First Investors refinance car loans?

Its pages disagree. About Us describes mailed, pre-approved refinance offers; the FAQ says “First Investors does not refinance loans.” Confirm any offer in its name through fifsg.com before sharing anything.

### How do I make a First Investors payment without a fee?

Pay from a checking or savings account, online or by phone. Debit cards cost $3.75 through Paymentus; Walmart, Western Union Quick Collect and MoneyGram may add a third-party fee; a mailed check carries none beyond any late or NSF fee.

### Can I change my First Investors due date or get an extension?

You can move the due date up to 20 days in total, with a signed form, if the account is current; the 27th to the 2nd are allowed only on auto debit. Extensions need an application, approval is not guaranteed, and interest keeps accruing.

### How long does First Investors take to release a car title?

It promises release “within a reasonable time following payment in full,” timed by how you make the final payment. If nothing arrives by the 20th day after the final payment is processed, its FAQ says to contact it.

## Sources and further reading

- [CFPB auto loan resources](https://www.consumerfinance.gov/consumer-tools/auto-loans/)
- [CFPB consumer complaint database](https://www.consumerfinance.gov/data-research/consumer-complaints/)
- [FTC vehicle repossession](https://consumer.ftc.gov/articles/vehicle-repossession)
- [CFPB, Repossession in Auto Finance (January 2025)](https://files.consumerfinance.gov/f/documents/cfpb_report-repossession-in-auto-finance_2025-01.pdf)
- [CFPB: what is Guaranteed Asset Protection (GAP)?](https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-asset-protection-gap-insurance-en-797/)
- [CFPB: what is a credit score?](https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/)

Recall, complaint and safety-rating figures on this page were retrieved from the federal databases above on August 19, 2026. Federal data changes — re-check any VIN before you rely on it.

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*This site is under new ownership and is not affiliated with Baron Auto Emporium dealership.*

Canonical source: https://baronauto1.com/financing/first-investors-review/