Following a bankruptcy and getting my financial situation back under control, I was in need of a specific vehicle to replace one I had to voluntarily surrender in the process. Out of three such dealers I contacted that offered "credit re-establishment" programs, J.D. Byrider was the first to come up with a suitable vehicle. Note that they had their buyer find the vehicle I wanted, did a damned nice job of making sure it was mechanically sound and nicely detailed, and involved themselves in lengthy negotiations with me to work out a deal that was not necessarily a bargain, but was satisfactory considering the reality of my credit situation.
The bad parts: I had to front considerable cash for a downpayment (to the tune of $1,600.00); The "included warranty" they bragged so much about was included after adding $1,200.00 to the sale price of the vehicle; When I traded in another vehicle I might as well have just given it away, because the sale price of the vehicle I purchased appeared to be jacked up by that amount; and, with interest added in, I could buy three like vehicles on the cash market with what I will eventually pay over the life of the sales contract.
The good parts: Not knowing me from "Adam, " these people humped for me. They went out and acquired a very nice, low mileage 1995 Ford F-250 XLT pickup truck, specifically on my request as this particular store doesn't customarily deal in heavier GVW vehicles. They crunched the numbers such that the payments fell into the area I could easily afford, and gave me 30 days after delivery to come up with a $1,000.00 balance owing on the cash down payment. They immediately addressed several minor issues I had with the condition of the vehicle at time of delivery. A month after delivery, the radiator tanks leaked from separation from the core, and this was immediately repaired at my convenience and at no cost to me.
In summation from a financial standpoint, it's probably the worst deal I ever made and hopefully the last of such; but, I was fully informed before I made my decision to buy. Circumstances what they are, I'm okay with it. Regarding every other aspect of this deal, I couldn't be happier, and I've enjoyed stopping by every two weeks for the past year and making my payments. All of the staff at JDB, CNAC, and their service department are fine people who have been nothing other than courteous, respectful, and up front with me in every way, and have done a fine job of making this experience as pleasant as possible, as well as provided me with a fine vehicle I have every confidence in.
I doubt I will ever do any more business with them after this deal is in the history books, but I can live with it until then. My suggestions, be informed, be very careful regarding the vehicle you select, and uphold your end of the agreement.
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