Mazda Financial Services 4+

Too often face recognition does not work. And, a few times (not even a handful, though), the system is down and I can’t make a payment at that time. When making a payment it seems there’s no bank account selected, once I click on it, I can verify there is. The bank account field should always show my bank; I believe it is extremely rare for a person to be switching bank accounts.
Otherwise, it is an easy app to use. Nice and simple. Pretty straightforward. I really like that.

The most basic of features you’d want for a financial app are missing. Inconsistencies all over the place. Even when calling support for guidance, we both end up scratching our heads.

Used app to pay off a loan. No autofill? Met with a “write this total down somewhere and make a one time payment on a different screen” message…. not to mention, the payment screen won’t even allow you to make the full payment because payoff amount is larger than the balance on record for onetime payments. Had to run 99% of my transaction through the app (Mazda doesn’t take large phone payments)….then call Mazda to make a $30 payment by phone since the app wouldn’t allow “overpayment”.

What’s better, after taking my money….I’m finding that the payment hasn’t even technically been applied to my loan. It’s just floating around as a statement credit. I have to call Mazda again to tell them that I’d like the money applied to my loan. Literal 3 day process for something that could be fixed in less than an hour. Guess I know where I’ll apply as a developer if I ever decide to just coast. Clearly zero interest the basics.

I use the app to make payments and check my status. I enjoy the app. I make additional payments and was watching the balance due grow in the negative but not seeing much of the principal shrinking. I make 3 payments a month, 2 extra small payments and the regular payments. In the app there is nowhere to pay principal only and you must call each time to state you want that money to go towards the principal. Now, they are collecting interest on the principal even though you have paid additional until you call up and tell them to put it on the principal. My mortgage I can make additional payments specifically for the principal, past car loans they have placed anything extra towards the principal automatically. Why is it different with Mazda Finance? Just put the option in the app or allow the selection of all additional funds please apply to principal or a selection to apply to future payments. Do a service to your customers by making it simple.