Great rate for fair credit.
Not quite 13 months out of chapter 7 bk. Had an existing loan on my truck from carmax at 21.99%. My credit score is 678. Sea Air refinanced my loan at 3.75%!! AND there was no hassle with them forcing me to buy warranty coverage or Gap coverage that I did not want like most of the other places on creditkarma. Saved me almost $200 a month with no increase in number of payments remaining. Theresa @ Sea Air FCU is great to work with!!
I always had high utilization ratios and bad score, but perfect auto loan history of on time payments... i did everything i could to eek up to a low 700's when i got my 2009 528i CPO with a 3.9% rate. every car i'd had before (financed through Ally, capital one, other GMAC options) were always 11% or higher... my score is back in the 500's due to losing my job for part of last year, and my car ended up getting repo'd, but they were SUPER easy to work with, and aside from the heart attack, tow and impound fees (i was livid), I had the car back in less than 72 hours. yes this was a nightmare but i was 120+ late making up all the payments i could so, any other financer would hve done the same. But i also don't feel like they have treated me any differently since i got my car back and have been just as great to work with. i am trying to pay off all my utilization again because i am ready to trade in for a 2013 or 2014 and want to stick with BMWFS
Joshua Barnes was very swift in finding me a lower interest rate and save me almost 200.00 off current lease argreement. But im constantly finding myself having to contact IFS to get the status of my refinancing. Other than that no other gripes.
Their payment policy is from the 90's. You can not set up auto pay without mailing in a check and waiting for them to get back to you. There is no way to do it online. On top of that if your payment is over $1000 you have to call to make the payment. To get in contact with a person there is not an option from the number they provide on the site. In order to get a person you have to select "Open a new account" and bravo you have a person that can talk to you. They have horrible online systems for payments and they also have horrible phone systems. The only reason they did not get 1 star is becasue they do offer compeditive rates and everyone on the phone has been polite and helpful.
ROAD LOANS IS ALSO SANTANDER CONSUMER USA, LOOK THEM UP. CONSTANTLY BEING SUED DUE TO THEIR SHADY PRACTICES. THEY ARE GARBAGE. GET APPROVED THEN TOLD LOAN CHANGED THEN CONSTANTLY HARASSING VIA PHONE CALLS. THANKFULLY I MADE 1 YEAR PAYMENTS THEN PAID IT OFF.
They do a classic bait and switch -- they approved immediately but did not give anything in writing until I had invested several hours collecting and emailing all their requirements. They add numerous fees and unknown items and suddenly started calling the rate they had quoted as APR (I asked -- as I have a masters in finance and know the difference) just the base interest rate (which of course APR is higher). Horrible experience -- especially do not work with Mark Sells. He was condescending and totally gave me the run around. How does this place get away with this stuff????
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