Auto Loan Reviews

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Got Loan in under 48 hours! Fantastic
Helpful to 12 out of 14 people

I applied and dealt with IFS rep, Jill Aiken. She was very nice and diligent. We had an approval in under 48 hours and I saved over $200 a month on my payment. I went from an 8.3% to 5.89% interest rate.

The best customer service I've ever had. Thanks!

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Such an awsome lender!!!!
Helpful to 7 out of 7 people

I am one to never write reviews but for the satisfaction and joy i recieved from this bank was off the charts!  1st off my last bank lender i was paying a monthly payment of 372 @ 24.99 interest rate i know horrible. was my first car though a bank, this lender refianced me for an interest rate of 8! this is huge for me. bearly starting to build credit this dropped my payments down by 100 dollars a month!! and ontop of that i was instantly approved for a visa credit card with a 1000! dollar limit which was offerd to me! (i did not apply for it) was to good of an offer to pass up. this bank is awsome will choose them for now on! great customer service such nice people recommend to everyone!

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1 Contribution
7 People Helped
A great take on auto loans
Helpful to 19 out of 20 people

I applied for an auto loan with Lightstream (SunTrust) because CreditKarma suggested it once when my credit score crossed the 750 threshold.  My score went down a couple of points due to applying for loans elsewhere and Lightstream no longer showed up as a recommendation.  Even so, I applied anyway.  I got an answer within 2-3 hours, a counter-offer.  I wasn't approved for the original, unsecured "anything loan" but was offered a loan where I'd make SunTrust the leinholder on the car.  They offer to deposit the money into your account the same day if you accept before 11:30am PST.  Unfortunately I was out to lunch and missed the deadline, I applied on a Friday.  I meant to pick up the car the next day and the only option I had if I accepted the loan was to pick it up on Monday, the next business day they'd be able to deposit the money in my account.

Even though I didn't accept the loan I was able to use it as a bargaining chip with the dealership to get a lower interest rate, almost as low as Lightstream.  Lightstream offered 2.64%, the dealership originally offered 3.9% and came down to 2.84%.  Lightstream saved me money without even having to accept the loan.  The fact that they offer a loan with cash deposited the same day is outstanding, let alone the unsecured "anything loan" that doesn't require you making them your leinholder.  Next time I need a loan I'll be sure to check them out again.

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2 Contributions
21 People Helped
Good Bank to deal with
Helpful to 67 out of 79 people

I had an auto loan with BBnT last year at 8.25%. I had low score at that time around 680. BBnT offered me rate of interest a little higher than I Transunion (7.75%) however finally since I processed application through dealer I went to BBnT. I have made extra payment every time when I had cash handy and have closed a 40 month long loan in 10 months effectively getting the rate of interest of 1.51% and saved around 4K on interest. 

During this said period I had several issues with the BBnT website while making payments, first of it their site crash very often. Second there is a limit of 1K if you are making extra payment however if you make 2 successive transaction 1K each it would let you ( now they have added a check of 1 payment in 5 days, luckily I have closed my loan now). If you want to do payment over the phone then there would be extra 5% charge, which I really didn't like. 

Also while talking to the customer care, I really didn't feel the representative was very much interested to handle my call and rushed to close it. Anyways since that was my last call I didn't mind. Also there is a restriction of time to call customer service which is cumbursome.

Overall, my mantra, 

Keep your score high, Lend only when absolutely needed at the best offer you have and rather than sitting on loan for entire duration, try to repay back soon, that way you will save on interest and also will have lower effective rate of interest. And last but not least, you would be liability free.... which is a great feeling :)

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My Existing Auto Loan
Helpful to 73 out of 110 people

Regions financed my auto loan in 2007 for 7.75% interest!

Love Regions and hope to have them finance my next auto loan!

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1 Contribution
73 People Helped
Easy to deal with
Helpful to 29 out of 31 people

Bought older car with 8% loan.  Refinaced with nationwide down to 3.15%.   Buying a second used car since I currently have a loan with nationwide my 2nd loan gets 1% discount.   Rate is 2.25%?   Unreal for a used car loan

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Helpful to 6 out of 7 people

As a customer, Blue Harbor is all you want. Best customer service, faster application process and overall Great customer satisfaction.  I have used it two years ago and still have it.  I am fully satisfied with everything and my experience is just phenomenol with them.  Very friendly people. I would say just try it once.

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1 Contribution
6 People Helped
Helpful to 3 out of 4 people

I spoke with someone name john, he was very polite and consistent. He checked on my application status, followed up with me the whole time. I had a 17% interest rate and got it down to 6.49%. I was playing 501.00 per month. Now it's down to 411 per month with GAP insurance included and a warrenty up to 100000. They were very helpful. I LOVE RATE GENIUS 

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