We went to our local navy fed. Branch to inquire about loan rates that were advertised. On December 31 we were approved for a car loan of a 2011 or newer with low miles at a great rate. After discussing the year make and model of the car we were looking for the loan officer answered all our questions and we decided to have the credit check and get the pre-approval.
We decided on the car that fit the criteria on 1/16 only 16 days later, and called Navy Federal Credit Union to make sure everything was good to go. We were told that a 2011 car is not part of the deal any longer because its now 2013 so only a 2012 and 2013 wold qualify for the said interest rate.
How can we sit and speak with a loan officer for 45 minuets, the day before the new year, before agreeing for the credit check and pre-approval for a car that doesn't even qualify. The ONLY reason we chose that bank was the low rates offered. So with all that was said she never thought to tell us that we would only be able to use that check for the next 16 hours after getting it!
All info given was misleading and false, now no one can give us any answers on how they will make this better for us and basically told us if we want a check for a higher amount they can offer that! Never again, Navy Fed. I will be sure to tell everyone I know about their terrible business habits.
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