Auto Loan Reviews


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Feb 27, 2015

1 Contributions
0 People Helped

I had a low credit score of 580 and was denied by dealerships and another bank. I applied for the Car Loan after seeing the reviews on here not expecting anything. What was so great about them is they look at more than your credit. They look at the reason why your credit may be low, down payment options and any other sources of income you have that could possibly help. After about of a week of back and forth they approved me for a loan of 17k for a new car. The sneaky dealership lied and said that I was all set and got me a better rate, I believed them and said no thanks to SeaAir FCU. A week later the dealership contacted me about a check, in a panic I emailed SeaAir FCU seeing if I could get a loan of 19k as that is how much the car ended up costing after fees and such. I had but a 3k down to the dealership originally, which was fine with the Bank. I resolved everything and got a rate of 9.5%. Sea Air FCU was such a great help! I did not have to talk on the phone with them once, it was all done through email. The only downside is they will not ACH your payment or take C.C. you have to mail a check in every month which is a pain as I want to make sure they get the payment on time.

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Feb 27, 2015

1 Contributions
1 Person Helped
Helpful to 1 out of 2 people

I applied for a loan to refinance my Jeep, but ended up trading for another vehicle.

The rep I went through (Ross) was great to work with, and made everything super simple, I just ended up changing my plans.

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Nov 17, 2014

2 Contributions
36 People Helped
Helpful to 35 out of 42 people

I was new to this country when I first applied for Autoloan from these guys. Purchased a 2008 Hyundai Sonata for 11k in 2010 Feb. No one was giving me credit and I got 8.5% APR. A year and half later when I went back to them for my Infinity G35x they did not reduce my rates, even after I paid my prior loan, on time every time. I had again went with them as no one else was giving me credit. By a year later, I got down 1.99% from DCU with 687 score. My Score was low because of multiple enquiries and no history, though there were no missed payments. So I would recommend this product if you have no credit and building one.

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Jan 23, 2015

Helpful to 4 out of 4 people

I am on social security and only get paid 2nd Wednesday of every month.  I have asked twice to change  my due date with the promise of moving it 10 days (but that has not happened).  It's like talking to a wall???? 

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Feb 03, 2015

Helpful to 6 out of 6 people

My wife applied us for a used car loan. We are buying a small commuter car and only asked for a $6k loan.  We have more than $6k in our money market but we didnt want to touch our savings, money market, or nest egg for this loan. Online application asks how much you have in all your bank accounts, and retirement. We only disclosed one 401K , and rounded down for bank and 401K.

Our credit union offered us 2.75%, and lighstream offered 3.29 % for 48 months. We went with lightstream due to the fact that  the cash was immediatly available, and we dont have to put the credit union on the title, or provide copies of the sales contract etc. It was easier and much faster. We applied last Friday, and got an email asking for a phone call. I called Saturday confirming that I did indeed apply for a loan. I was told I was approved. Money went into my bank account Tuesday.  It could have gone in Monday, but I wasnt sure if I would have to pay a wire fee or not.

My salary $80k 

Wife stays home with kids

Our ages 32, 30

Credit Card debt $5-6k  

Wife car loan balance $10k 

We rent $850/mo

My credit scores  715, 730, 742

My wife credit scores 779, 782, 

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Dec 15, 2014

Helpful to 20 out of 24 people

I have them for my insurance, have had them for years but they won't do a refi for my car????  They say they can't verify my address or some lame excuse.  They can find me to mail my insurance bill.  If I didn't have to get a bunch of inquiries on my credit I would go elsewhere for my insurance, like I will for my refi. 

I don't need the drama or I would have argued with them. Instead I will go elsewhere.  It's a bunch of bull imo.  If I could give them NO star I would.  Lame lame lame. 

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Feb 15, 2015

5 Contributions
11 People Helped
Helpful to 1 out of 1 people

The customer service was absolutely terrible. I ended up calling the credit union they got me approved with. When I dealt with the credit union directly I got a better rate and received much better customer service. The credit union was logix federal credit union. I dropped my rate from 12 to 3 by refinancing.

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