Complaint Review: Superior Acura - Bakersfield California

The finance department of a dealership, along with all the sales managers, are NOT STUPID. They know by looking at a credit report if you can get financed or not, PERIOD. This is a SCAM. Spot deliveries are intended to get you to fall in love with the car, then tell you that they need more money, or that the interest rate is now 7 points higher, and hope that you will do anything to keep this car. Don't believe that last guy. It's a scam thru and thru. I am sure you have been turned down before, and since your husband won't sign, you have other issues as well. The dealer knew you were not going to get a good rate before they wrote up the contract. They scammed you big time. I'll lay odds you never even read any of the paperwork you signed, because if you did, you would've seen the part where you're actually 'renting' the car until it's approved. However, you are entitled to your trade-in allowance in cash, minus the payoff amount, if there was any.

The finance department of a dealership, along with all the sales managers, are NOT STUPID. They know by looking at a credit report if you can get financed or not, PERIOD. This is a SCAM. Spot deliveries are intended to get you to fall in love with the car, then tell you that they need more money, or that the interest rate is now 7 points higher, and hope that you will do anything to keep this car. Don't believe that last guy. It's a scam thru and thru. I am sure you have been turned down before, and since your husband won't sign, you have other issues as well. The dealer knew you were not going to get a good rate before they wrote up the contract. They scammed you big time. I'll lay odds you never even read any of the paperwork you signed, because if you did, you would've seen the part where you're actually 'renting' the car until it's approved. However, you are entitled to your trade-in allowance in cash, minus the payoff amount, if there was any.

The finance department of a dealership, along with all the sales managers, are NOT STUPID. They know by looking at a credit report if you can get financed or not, PERIOD. This is a SCAM. Spot deliveries are intended to get you to fall in love with the car, then tell you that they need more money, or that the interest rate is now 7 points higher, and hope that you will do anything to keep this car. Don't believe that last guy. It's a scam thru and thru. I am sure you have been turned down before, and since your husband won't sign, you have other issues as well. The dealer knew you were not going to get a good rate before they wrote up the contract. They scammed you big time. I'll lay odds you never even read any of the paperwork you signed, because if you did, you would've seen the part where you're actually 'renting' the car until it's approved. However, you are entitled to your trade-in allowance in cash, minus the payoff amount, if there was any.

The finance department of a dealership, along with all the sales managers, are NOT STUPID. They know by looking at a credit report if you can get financed or not, PERIOD. This is a SCAM. Spot deliveries are intended to get you to fall in love with the car, then tell you that they need more money, or that the interest rate is now 7 points higher, and hope that you will do anything to keep this car. Don't believe that last guy. It's a scam thru and thru. I am sure you have been turned down before, and since your husband won't sign, you have other issues as well. The dealer knew you were not going to get a good rate before they wrote up the contract. They scammed you big time. I'll lay odds you never even read any of the paperwork you signed, because if you did, you would've seen the part where you're actually 'renting' the car until it's approved. However, you are entitled to your trade-in allowance in cash, minus the payoff amount, if there was any.

Here's the scoop on how to avoid this whole situation...... Spot deliveries are not scams in and of themselves as the previous respondent implies. A large percentage of vehicles are sold on Saturdays or evenings when banks are closed. Good credit financing is normally instantly-approved based on pre-defined acceptable criteria such as the consumer FICO score, income, etc. Some financing however may need to be reviewed the next business day with the lender. In cases of the latter, it's best to just postpone the final paperwork and/or take the car home on a "Borrowed Car Agreement" until financing is completely and officially secured. This method will save a potential headache, and puts a hold on your trade (since the paperwork is not completely finalized quite yet). You can always secure the vehicle with a deposit, while the finance application is in progress - which gives the dealer your assurance of purchase pending the financing. If you are in doubt of approval, you might also consider signing the "buyer's agreement" with the stipulation "Agreement is subject to acceptable, secured financing" written boldly on the document....and ask for a copy of this document for your records. Remember, we aren't signing a contract yet, we're just holding the vehicle until the financing is officially secured. This method will give most dealers what they want, your commitment.....and avoids the misery of untangling a mess.... It protects you from unwanted confusion - and the dealer get's it's car back quickly to sell to another customer, if the financing falls through... Everyone wins. There are usually two phases to most car purchases - the Agreement and then the Final Paperwork. There's no reason why you can get everything ironed out on the buyer's agreement along with your deposit.....and then go to closing as a second phase when the dealer can assure you that the financing has been officially secured. Dealerships typically receive an official notice from the lender, when financing is approved. This notice is typically faxed within the hour once the loan is approved, so it certainly does not take days or weeks to clear up the issue of financing. If this is the case, there's likely a problem and I'd be wary of signing anything further until the dealer is able to tell you exactly who approved you, at what rate you were approved and any and all stipulations the lender expressed in the approval they are offering to you. As to this particular consumer.... it should never EVER take weeks and weeks to resolve a matter like this. When a situation like this drags on for more than a few days - I recommend contacting the dealership General Manager so that he's aware of the problem. Most reputable dealers will not want their merchandise out depreciating with added mileage and possible damage, if there's no chance the deal won't be funded. I genuinely hope the consumer here was able to get this situation resolved.

You fell for a common auto sales scam known as "spot delivery". Your case is classic. You are on disability, your financing options are not that great to begin with, and although I don't know your credit score you can BET money the dealer knew it within an hour of you walking in the door. The deal you made likely contained "blank spaces" somewhere in the paperwork, this is common as it later allows the dealer to fill in these blanks indicating that the financing was turned down - total scam. Dealers don't finance you - ever - you won't find "Joe Bob's Nissan" lending you money to buy a car. Dealers do sell you financing via Retail Installment Contracts in most cases. This is a contract you sign which is later sold to a bank or subprime lender usually at a higher rate - the dealer makes money from selling the contract. This dealer KNEW you did not qualify for the financing offered. Check with your state attorney general as this scam has been made illegal in many states.