As a first timer buyer, my APR was super high. I have 6 months with my car, and thought of refinancing to save money. I kept getting denied with everybody else until I came across OpenRoad lending. The agent who helped me out was VERY helpful and went out of his way to make sure he did everything he could so I can get approved! Now I have refinanced my car, with a lower APR & couldnt be happier!
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I'm only reviewing this place because i couldn't believe how unprofessional they were. So i applied for an auto refinance from this lender at the advice of credit karma. I figured if they are advertising for them, it can't be bad. So, i applied on Friday afternoon, and had an email Monday morning about logging on to finish my paperwork. They even called me multiple times throughout the week, trying to get this all finished. First thing i didn't like about it was a "required" document that was needed was a "power of attorney" For what? Second they said they could lower my loan by $24.00 a month. That didn't even equal out to one payment a year, in my case. So i emailed them back and told them i wasn't really interested that refinancing for a longer term at this point to only save 24 a month wasn't worth it to me, and asked them why they would need a power of attorney signed and began to question some of what they were doing. This when it gets really sketchy. So all of the sudden i get an email from courtney castillo (the useless robot i've been dealing with) and it's a set up automated email saying that now my application has been denied to go to the website and log in to find out why. I'm assuming when i told them that their refinance sucked and started asking why i would need to sign my rights to a power of attorney they caught onto the fact that i maybe knew more than i should. So i emailed her back and asked why or was it normal to approve people, harass them via email and phone, and then when they don't think your offer is anything great, then all of the sudden they aren't approved? As i had said i wasn't going to use their services to begin with. I just thought it was kind of sketchy that i was approved then all of the sudden i wasn't approved. I feel like there is no reason why somoene couldn't explain that for me. My feelings aren't hurt. I can financially afford the payment i have, i just was trying to see if i could lower my payment a bit to save up for a vacation we would like to take. So please understand this place is SUPER SKETCHY. I'm really almost sorry i gave them any of my personal information at all. I feel like someone who doesn't have something to hide could answer this simple question, or they got mad that i said i wasn't going to refinance through them, or they were mad i was inquiring about something sketchy they were about to do. I will review this same way about this company every and anywhere i can, including BBB. What a load of crap this place is. Don't waste your time.