Veridian Credit Union Car Loans

On January 20, 2026, I unfortunately got to experience firsthand the reports and comments that the employees can be very rude or condescending. My only advice is to find another company that cares about their customers. That is what I'll be doing instead of being treated like I'm an annoyance.

Horrible company. They cheated me out of a couple thousand dollars and seem to hold no remorse over it. After I called them out on it, they have stopped replying to my messages and calls. If they reach out to you with what seems like a great deal, stay away. They are immoral individuals preying on financially vulnerable people.

I thought I was getting a great rate when I refinanced my car with Veridian Credit Union, but once I realized and included all their hidden fees and commissions to themselves, it's nothing you can't get at literally any other bank, and you'll receive much better, more professional service. This bank doesn't care about its members in the least.

I initially thought Veridian was a blessing in disguise, but it has turned out to be one of the biggest burdens in my life. When I refinanced my car through Veridian, I was in a state of panic and didn't fully understand the terms. Looking back, I've essentially paid off the original value of the car, but the refinance nearly doubled its cost. It's been nothing short of a nightmare.

After losing everything to COVID in 2020, I still had to prioritize paying the car note to avoid losing my income, which was already a struggle. It took me years to climb out of that financial hole, only to find myself in another devastating situation. Fast forward to 2025: my city altadena is in flames, my family has been displaced, and I reached out to Veridian for help, only to be told they can do nothing because my policy only includes liability coverage and not full coverage.

Now, I'm stuck between taking a hit to my credit or spending the last bit of money I have this month to deal with this mess. It’s clear that Veridian doesn't care about its customers beyond the financial transactions they represent. In a time when compassion and flexibility are more important than ever, I feel like just another number in their system.

If you're considering working with Veridian, think twice—they don't have your back when you need them most. It's a cold world, and Veridian only makes it colder.

Extremely Disappointed with Veridian Credit Union

I am writing to share my frustrating experience with Veridian Credit Union regarding the processing of my gap insurance claim. I purchased this insurance specifically to protect myself in the event of my car being totaled, and now I find myself in a completely ridiculous situation.

The delay in processing my claim has been excessive, and I feel like I've been left in the dark with little to no communication from their team. It's unacceptable. To add to my frustration, I just learned that my monthly payment, which was paused for two months, is set to resume on December 28. This means I could face a late payment on my credit report for a vehicle I no longer own.

This entire experience has been maddening and has caused me unnecessary stress. I feel misled and taken advantage of. I strongly advise anyone considering Veridian Credit Union to think twice. Save yourself the trouble and look elsewhere. They have left me feeling like a victim of a scam.

First, I received mail stating they could lower my car payment to around $390; currently, I'm paying $509 at 8.75% interest. Then I received a phone call from Chris, saying he could help me save money on my car loan. He asked what I was interested in doing, such as lowering the payment or the term, etc. I told him I would like to lower the payment and interest. I sent him my pay stubs and payoff amount for the vehicle. He replied the next day, offering to add a protection plan to the loan that would cover the vehicle in case it ever gets totaled, for around an additional $1,000 or $2,000 on top of my loan. He then tells me the new loan would be $27,031 (the old one was around $23,000), with a new interest rate of 8.39% and payments at $560.50. He then asks how I would like to move forward. Excuse me? You called me, saying you could help me save money and lower my monthly payment, and now you've come up with an offer that increased my total loan by over $4,000 and increased my monthly payment by $50. Chris, you should be fired! Get him out. I would give one star, but I gave two because at least they made me an offer.

Loan rates were generally inflated in comparison to other lenders, but the dealer I went to would only work with them for the car I wanted. I had the car, making payments with no problem, and then the car was stolen. The car was found, totaled out, my insurance issued a check to nearly pay off the loan, and then GAP took their time doing the same. During the wait for GAP to kick in, Veridian told me they could put the loans on pause, I would receive money back, the GAP team would pay out before the pause was finished, and they would take care of everything for me. All of this was wrong! I did just as much work to finish the claim, GAP and Veridian took their time filing, and no one kept me informed unless I called. I ended up paying a large amount in the end, despite having GAP and being told I'd get money back, all because they weren't honest with me from the beginning. I was told that when they mentioned putting the payment on pause, they meant they would be moving the two payments to the end. GAP did not account for the last two payments and added additional interest. No one was willing to stand by the words they told me throughout this process and, despite me calling both Veridian and GAP to try and stay informed, I was not told everything. This was completely avoidable had I been told this from the start and I would never suggest using this lender. They informed me they had their own GAP coverage for future reference and I would also suggest never using them as well. I would never do business with this company again.

Extremely disappointed with Veridian Bank's handling of my loan account. Despite Veridian staff approval, I was charged exorbitant insurance fees. Multiple attempts to resolve the issue were met with silence. Trust has been shattered. They are a dishonest and dishonorable group.

Horrible customer service in the afternoons. I was on hold for almost 10 minutes and was told I was caller "1" and that it would be answered shortly. I would be directed to a phone by ringing, and they would put me right back on hold with no response.

By far the worst bank I have dealt with when it comes to auto loans. In a digital world we’re most consumers pay their bills online or through automatic payments this company charges a $10 fee for every payment it’s free if you have a checking account with them but if you don’t meet their state residency requirements you cannot open an account with them. Statements come out quarterly and they do not offer an online portal for NON banking customers to view their current loan balance. Trying to locate a phone number to get pay off balance is impossible.