This place it's just so they can sell you gap insurance and extended warranty when you try to refinance, even when your car does not need it. They may find you a .20 to .50 lower rate of what you currently have. After I read the reviews I told then "by the way I will not be needing gap insurance not extended warranty," so they didn't call me back, I had to call back. With a 720 credit score, I was told they couldn't find me a better rate. Simply because I didn't need the extras.
Bottom Line: No, I would not recommend this to a friend
Hi Edgar, thank you for your feedback. Because we strive to provide our customers with excellent service and communication, we are disappointed to hear that your experience with us was anything less than perfect. Though we do sell optional additions like GAP and Service Contacts, we are paid by our lender network for the loans that we provide. Plus, we care deeply about saving people money, either in terms of interest rates or in terms of monthly payments, so we would do our best to find a rate that works best for you.
Our records indicate that our offer was only slightly lower than your current rate and that despite our best efforts to find something lower, we were unable to find a loan option that fit your needs. However, we never want our customers to feel that we have no interest in helping them, and we will address that internally to identify opportunities for improvement. We apologize for any inconvenience, stress, or confusions. We thank you again for your feedback and we hope to have the opportunity to work with you again in the future.