Complaint Review: JD Byrider SPFLD MA

Out of curiosity, low credit score and a slight need for a newer vehicle I went to JD Byrider to see about getting into a newer car. 

I looked online at their website to see what it was all about and saw that:  The vehicle inventory had cars from 2007-2012 with more than 90,000 miles on them.  Each one of the vehicles was not less than 12,000 USD and as high as 15,000 for newer models.

I completed a short application online and received a call within 5 minutes from an employee of JDB to come in after work.

When I got there an employee took me in and proceeded to show me his binder explaining why they are different than other dealers because they work within the customer’s budget and “not necessarily my credit”. 

I asked him a question about average prices or payments per month, I could barely understand him but he answered; there is no actual number I can give you usually payments range from 150 USD every two weeks to 215 USD every two weeks and full coverage is also something the customer must have.  When asked about the car I had most interest in he did not give a price and continued to talk me into completing an application to get information from me.  When I answered the questions he threw in a few judgmental jokes about “having a lazy boyfriend at home who sits around all day” not being my problem because I stated I split expenses with him.  He made a few other judgmental jokes in his teeth which made me feel less interested in the entire process as we went further into it.  I believe he could see I displayed no humor, but it was a survival tactic at this point.  He explained that I would be meeting with a credit specialist and that I will go into further details about payments and how it would look for me.  He stated they work to help clients reestablish their credit and move on to bigger and better things.   I met with their credit specialist who did not shake my hand and proceeded to ask questions about my personal expenses.  As I answered the questions, I thought about the poor souls that deal with this every two weeks and convinced myself that there must be a better way for me to get a car.  I explained to her that I did not need a car but was looking into a newer car so that my son could use my current vehicle.  I received no response from her, just more questions.  She proceeded to put a budget together that left me with 417 “disposable” monthly income.

I was told to exit the room and wait in the lobby, I waited for about 20 minutes and the previous employee came out to allow me to test drive 2 vehicles.   The 1st one was priced at a whopping 14,965 and it was an 09 the next a 2011 prices at 15000+ USD, the payments ironically were calculated to be THE EXACT amount of my “disposable income”. 

When I asked if they could lower my payment by 100 USD, the man left the office and another man came in with now my “credit report” which stated I had no score even though I have a 619 score. He stated “due to my credit” they could not lower my payments to any less because no bank would work with a no score credit report.  He showed me the report they pulled which was a report that had no score, I told him I knew my score was 619 and he stated that according to their bank no score was found.

Needless to say, I told them I am walking away from their offer and thanked them. I suggest YOU GO ELSEWHERE>>>>>