This leasing company is totally unprofessional and a joke. Please read before you get "scammed." First you contact them about a loan, which they work under "lease" terms. They pull your credit and regardless of how good your credit is, continue to badger you about how your credit isn't very good.
They ask for this information, then a week later, other information, then different information. The particular agent we worked with likes to call at the end of his business day and make it sound like an emergency that you send him some other paper, that he didn't realize he would need. Until now and now he needs it now.
They call you and tell you they think you are approved, here are your payments for this term, this term, etc, (but do not tell you the interest rate you will be paying) which would you like to do? You choose and they send you a contract... READ CAREFULLY!!!
In this contract you pay them the first and last months payment. Via one check you sign and make a copy of to send to them.in this bogus contract, which you do not actually have any commitment from them, you agree to pay them $200 out of that money for an "expense deposit." Then, you think you have the "lease."
Wrong, they continue to call and tell you they need this, they need that, and in the meantime, if you needed the loan asap, you are in a bind if you have counted on them to be fast. So, while they were jerking me around, I calculated out the "interest" rate I would be paying... 36%! Supposedly because of my "bad credit" which I pulled before going to them and it is GOOD!
Ironically, I got to visit with two other people who were trying to get a "lease" with this company and with varying degrees of credit, even better than mine, they were getting the same speech and same outrageous interest rate! Which is NEVER disclosed to you. I chose to not go with this company after their huge degree of unprofessionalism and lying.
Their agent, * informed me that I would lose "ALL OF MY MONEY" if I went elsewhere, when I told him that was not going with their company. So, I stopped payment on that check. They were furious and threatened to send me to collections. They also are demanding the $35 they got charged since the check didn't go through. And they more or less told me I was lying about their agent telling me I would lose all my money. Sorry folks, I had witnesses on speaker phone to the conversation.
Bottom line is... Let my bad experience be your guide... Go elsewhere!!!
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