Texas Direct advertises 3.9% financing and I applied for it. They said I was approved and when I got there was told that all I could get is a 6% loan because of my credit rating. My credit rating is 830. This was nothing short of Misrepresentation and Fraud on their part. They have no intention of letting you have 3.9% because I am sure they make money on the interest rate.
I took out the Warranty and four days later told them to cancel it. The cost of the Warranty is $2300.00. I will have to sue them to get my money back I am sure as it has been three months. They will never contact you or answer you I guess in hopes you will go away.
The finance Manager told me that under Texas State law they are required to add the tax to the loan. Another lie. They added a guestimate tax which was double what the Courthouse told me it was. Still have not received it back and will have to sue them for that cost as well.
Bottom line - If you really want one of their cars then go there with your own financing. Don't get suckered into the "yes you have been approved for 3.9%". I was stuck because I had to get out of there and figured I would rework the deal. I would have loved to say your financing is crap and by the way - here is the paperwork from my bank.
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