This dealer pulled the typical yo-yo financing/spot delivery scam. They gave me a quote, I accepted the quote as well as the financing agreement. The terms of the loan were figured based on my already approved credit application which I had provided via phone. The vehicle was delivered to my house on a Sunday night, and the very next day a Finance manager named Mark called me to explain "The financing fell through, we need you to sign a new contract with a higher APR".
He said his financing assistant Josh was new and made a mistake, well if the financing was never finalized why would you deliver a car almost 7 hours away!! That is right I agreed to the quote/loan terms on a Friday, and it was on Sunday they decided to drive the car 7+hours to NJ to drop it off before the financing went through supposedly...... How convenient they deliver on a day they can claim they submitted the application in which most financial institutions are closed....
Yea look this up its your typical scam, dealerships know within minutes based on your credit score which loans/lenders you are applicable for, so their excuse of sorry we thought you would get approved is complete BS and is part of a orchestrated scheme to extract more money from the consumer. I have absolute excellent credit by the way, there is no reason what so ever I should be declined, I was already pre-approved for an auto-loan by 2 banks and 1 credit union at the lowest rate they offer.
If you are considering buying from this dealership do yourself a HUGE FAVOR AND DO NOT BOTHER. YOU WILL REGRET IT GUARANTEED!!!!!!!!!!!!
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Paul Maurais, Josh and Mark from Finance