Ok, so I NEVER write reviews as I am that sceptical person that really doesn't believe in this fly by night loans. Anywho, I was financing my 2011 Buick Regal through Santander paying a whopping 24% interest rate. Yes I know I was getting screwed. I secured this loan in Jan 2016. financed amount was 12k at 72months. I tried desperately to get out by ref. three months in, of course NO ONE would pick it up. Then a few weeks ago I turned to Blue Harbor. Imagine my surprise when I was told I would go from 24% to 3.5...YEA RIGHT is what I said. Well I DID do just that and got a lower term to 48 months. WOW I even called the credit union myself to make sure and my loan was paid off literally 4 days after my paperwork was returned. Total time it took for everything was maybe a little over a week this includes applying, signing docs, old loan funded. I would recommend, as far as my credit mid 600's
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Be aware that this company is getting paid to get you a loan. Not only do they charge a fee to arrange the loan, but they also hold on to the pay off check from the new finance company to collect intrest on your money. I called the day before the final day the payoff amount was good for (over 3 weeks after the payoff was issued to them) and they still hadn't cut the check to the original finance company. No one was overly concerned about the fact that I was paying for a service that required me to follow up to make sure everything was taken care of. I would have been better served to have arranged my own refi and saved the hundreds of dollars this company charged to do this.