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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Blue Harbor basically is just a middle man that handles the paperwork. The banks they represent at least in my case is horrible! They try to hit you with charges and late fees when thier system is out dated and takes a week to process a payment. Funny it pulls money from my account next day yet takes a week to show up. Then after 2 months try to add $5k on top of loan due to "no insurance" when proof was given with the loan package. I highly recommend against using this program as it simply doesnt work.