Pulled the trigger and apped

[MsTucker09]

thats great, congrats

[BGinVA]

Okay, so here's an update.  I called the finance department at the dealership to find out what was going on.  I talked to a really rude finance guy name John (by the way I love my salesman Josh), he couldn't answer any questions I asked of him, he was evasive, refused to tell me what my auto enhanced FICO score was, refused to tell me who approved me (but he could tell me who denied me) and then said I had to come in to go over the numbers.  I got the impression he either didn't have a true approval yet or was padding the number when the best indication he would give me was mid 5%'s.  So I said screw it, and went ahead and did 2 of my own apps.  First one to Chase, said I'd get an answer within 24 hours.  Second one Capital One blank check, got an immediate approval for up to $37,200 for 72 months at 3.61%, whooohoooo!!!!!!  My dealer is in the network, I don't have to fax in any documentation (but the dealer has to fax a few things) and my check is already activated and will arrive tomorrow.  So I called my salesman Josh back up and told him he can tell John to kiss my butt basically, lol.  He apologized for John's rudeness and assured me that they have no problem working with Capital One blank check, and said he'd call me in the morining and let me know where my vehicle is on the transport (its been shipped). 

[Anonymous]

Josh probably chewed John out right after the call.

[BGinVA]

As another follow up, I received an e-mail from Chase within the last few hours that they have approved me as well at 3.96%.  So far Capital One is my best deal and I plan to go with them unless something better comes along.  Goes to show the value of customer service, had John not been a rude jerk, I may have been willing to accect his mid 5% rate, however his rudeness inspired me to apply for my own financing which beat his by 2%. 

[pizzadude]

Congrats on the approval !! Sounds like you are on the way !

Unfortunately some finance & sales people think that by not being straightforward and upfront they can string you along to make more money, but they lost a customer because of it.

[pizzadude]

Congrats on the approval !! Sounds like you are on the way !

Unfortunately some finance & sales people think that by not being straightforward and upfront they can string you along to make more money, but they lost a customer because of it.

[Anonymous]

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@BGinVA wrote:

As another follow up, I received an e-mail from Chase within the last few hours that they have approved me as well at 3.96%.  So far Capital One is my best deal and I plan to go with them unless something better comes along.  Goes to show the value of customer service, had John not been a rude jerk, I may have been willing to accect his mid 5% rate, however his rudeness inspired me to apply for my own financing which beat his by 2%. 

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You might want to thank John and his rudeness then.

They saved you money.

[LS2982]

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@pizzadude wrote:

Nothing wrong with that approach ~ I would expect a good rate from the dealer, especially since you have good auto history.

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+1