I am a person looking to buy a vehicle for the first time in my life. I had been applying for auto loans so I can get financing towards a new or used vehicle.
I got a call from Erica, a finance representative from Global Auto, saying that I had guaranteed approval for up to thirty thousand dollars and to just come in with a driver's license and proof of income and that they would be able to help me.
However, I don't have a vehicle in my household at all, so I asked Erica specifically if I needed to bring any money down and if the driver's license and proof of income would be used for any validation purposes, explaining to her my situation—that if I were to go up there I'd have to take a bus, two trains, and a cab, since I live about an hour from there and plus I wouldn't have any money down until pay day.
She reassured me that I didn't need any money down. I make my way up there the next day and Erica wasn't there but a gentleman named Carlos said he would take care of me. I give him my income stubs and my driver's license. He comes back out saying that I need to put a thousand dollars down today.
It is not the fact that I need to put a thousand down; it's the fact that I was misled and I went off of their salesperson's word that I wouldn't have to put any money down.
I demanded to speak to the Finance Manager, who wouldn't give me his name. His attitude was very condescending and belligerent, saying that I didn't meet the income requirement.
I wasn't told of any income requirement, nor on looking on their site, do I see an income requirement for approval.
He's arguing with me back and forth, despite the fact that I had a saved E-mail and phone messages from his employee guaranteeing me approval and no money down.
As a result, I have no car, I was over two hours late trying to get back to Hightstown for work.
Do not get suckered in by them. I looked on their website and even in their newspaper promotions, they say nothing about what your income has to be in order to qualify, nor do they say they need money down right away. Buyer beware, especially if you don't have wheels to begin with!
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