Auto Loan Reviews


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Feb 27, 2015

1 Contributions
28 People Helped
Helpful to 28 out of 34 people

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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jcupat's review was:    

 
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Mar 03, 2015

5 Contributions
53 People Helped
Helpful to 0 out of 2 people

Bought my car in November and it's finally reporting to my credit profile from all bureaus, took a while but it's there. So happy with all other parts of BMW financial, very courteous and helpful when needed. Set up auto pay and nothing else to worry about. 

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MESQUIBEL10's review was:    

 
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Mar 27, 2015

1 Contributions
0 People Helped

Khoi was very helpful and knowledgeable

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AG1700's review was:    

 
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Nov 17, 2014

2 Contributions
38 People Helped
Helpful to 37 out of 45 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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ValiyaVeedan's review was:    

 
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Jan 23, 2015

Helpful to 5 out of 5 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 12 out of 14 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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Mar 24, 2015

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

I refinanced my truck about 10 months ago and got a great rate.  I've come back to RateGenius again to refinance again to lower my payments.  Very fast process.

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rgordon2467's review was:    

 
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Mar 24, 2015

4 Contributions
44 People Helped
Helpful to 5 out of 6 people

I have had many car loans in my 47 years.  I have to tell you this was like slipping on a pair of new shoes with the COAF Blank Check.  I searched for and found a great car, just what I wanted with all the features.  The dealer wanted to run me through several lenders (and that was the worst part of the deal...nothing to do with COAF).  They pursued me aggressively with an aggressive interest rate ranging from 6-5 to 8% depending on year of vehicle.  This is excellent for the first car loan being just 2 years out of Chapter 7 bankruptcy.  I walked in with my check and came out with one of the best cars and deals I can remember in a long time.  I have nothing but positives for COAF and highly recommend applying for the COAF Blank Check directly, so that you are in essence shopping with cash.  Remember, it is you who have the power NOT the dealer.

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TheNog's review was:    

 
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