Super easy, fast, and saved us a lot of money! We are very satisfied and highly recommend for refinancing.
They offered to drop my interest rate by 70% to 2.50%, but when I calculated the total cost, it turned out that it will actually cost me about 30% more during the life of the loan. Many people don't realize that just a lower rate won't save them money if they add huge costs for refinancing. IFS was very dishonest and avoided to provide me information, just like any other dishonest lender they will give you only an APR and your monthly payment and number of months to pay. They won't reveal the total cost, but you can calculate it yourself. After asking several times and showing me calculations she said that You will not be saving any money on this deal. You wanted a lower rate that’s why I went over it with you.
The application process couldn't be easier and their rates have always been the lowest. I've applied three times, but until recently never chose them because the banks the dealerships worked with were always competitive. Also, until my last application I didn't qualify for the unsecured Anything loan. With the unsecured Anything loan you don't have a leinholder, simplifying your vehicle ownership. I've recommended this to many people and will continue to.
I thought it was too good to be true, but this company is the real deal. They have a state of the art software system that is revolutionary! They have set the bar for auto loan automation. Their rates and terms were excellent, and they approved me without even putting an inquiry on my credit! I cannot say enough about this company!
They will say the right thing to convince you to run your credit giving you a hard inquiry knowing that you dont qualify. Worried about making money instead of what is truly in your best interest. If in doubt do not use this company.
I knew it was too good to be true. I was offered a great interest rate. Then I received an email that said I would have to pay a processing fee. Over $600! Yeah no thanks. I'll go with one of my credit unions instead and not get swindled.
At least they only use soft credit pulls so my credit wasn't needlessly messed with. Besides that, customer service was quite friendly. They have to; they're trying to rip people off.
I've been looking at cars and just happened to get a prequal letter from Capital one so I decided to look into it.
1. The prequal letter was to shop at only one little dealership with a limited, old and used up inventory. No. My current car is much better AND newer than what they were offering in my range.
2. I go to the capital one website to determine if I can qualify for a loan on a car I might actually be willing to buy and I do.....at 18% interest. Lmao, I have my current loan on a 2011 car, payment of 257 at 11% interest. My car runs great with zero issues, I don't NEED a car so why would I buy a car at a higher interest when my current rate is lower and I got that 3 years or so ago when my credit was WORSE than it is now.
Thanks but no thanks!
BMW customer service rude, unprofessional and doesn't even know how to treat customer. The worst part is they don't keep their promise. I had an arrangement with them to take care my past due. I was instructed to make payment through WU and I did. The reposession agent still showed up. It is just terrible period.
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