If 0 stars were an option, that's what I would give. Stay away from this place and especially from the salesman Matt!
I originally shared my experience with Carmel Auto Gallery on Google but somehow the dealership managed to get my review removed, whether they hired a reputation-management team or used some other con method, I honestly don't know. What I do know is that my review didn't just mysteriously disappear on its own. Thankfully Yelp gives me another place to share what happened without the dealership being able to conveniently erase my experience! Since posting my original review, the vehicle I purchased has actually been repossessed and after everything I went through, all I received from Carmel Auto crew was basically we're sorry, we sincerely overlooked this and don't know how this happened type of response.
So for anyone considering purchasing a vehicle from this dealership I'd like to explain exactly what happened, respond to the owner's claims and warn y'all about the important catches and fine print you absolutely need to know before signing anything.
My husband and I don't have perfect credit, so we knew getting financed might not be easy we were completely upfront about that from the beginning. We had money for a down payment and a vehicle to trade in.
After filling out the application link, Matt called and told us we been approved, we were excited. My husband wanted to know the exact terms before coming in, so we spoke with finance guy Arielle. The terms weren't great, but we needed a car and agreed to it. We were specifically told to bring $2k plus our trade-in car.
We came in on the day Matt told us to, only to find out the FINANCE MANAGER that we had talked to wasn't there. Instead, we were told the SALES MANAGER would handle the signing and that everything including terms would be exactly as discussed over the phone.
The sales manager was very nice to us, but once we started going through the paperwork it became obvious that he had absolutely no idea what actually been discussed with us prior over the phone. First the amount down was different. It was a little more which we were willing to deal with. Then toward the end I suddenly found out there were a bunch of additional bank stipulations that they had never mentioned to my husband. On top of that, we were told that we had to purchase additional bundle appearance protection plan and GAP insurance in order for the bank to approve the deal, which added another $3k to the original price given a few days earlier. These were presented to us as requirements of the financing and not optional products! We later learned from the bank officials that these products were not actually mandatory, which made the whole situation feel even more disappointing.
At that point, even the sales manager basically told us he didn't know because he was "just doing the signing of the preapproval"...so our sales guy Matt was brought into the room. That's when Matt told us straight to our faces that they had decided not to take our trade-in after all because they could only give us wholesale value and we would be "better off selling it on Facebook marketplace or privately". so apparently that decision had already been made, but nobody thought it was important to tell us before we drove there and started signing paperwork blindly.
It got even worse! Matt told us that because my credit score was better, the loan should be under my name, even though I'm a stay-at-home mom and my husband is the one who works and earns the household income. He then told me that the bank would call me for a phone interview and that I basically just needed to agree with the questions they asked, he insisted that this was "completely normal and standard" because otherwise we wouldn't get approved, this put a lot of pressure on us, at one point we almost walked out but he calmed us down.
Well, the bank did call few days later. They started asking questions about my employment my and husbands income and who the vehicle was actually for. I was not comfortable lying to a bank, so I answered honestly.
Long story short, the vehicle was repossessed because the information submitted to the lender bank apparently did not match reality. The household income had been drastically increased and I was expected to confirm that I was the one working and earning that income, etc etc. I'm not risking being accused of bank fraud just because a salesman wants to close a deal. Stay away from Matt at all costs. In my experience he will use his charm and say whatever he needs to say to get a vehicle sold, even when what he is telling you changes completely once you're already sitting there signing paperwork. The one positive thing to come out of all of this is that the Mazda we bought turned out not to be in great shape anyway. We found out it apparently hadn't even been properly inspected, so honestly, maybe the whole deal falling apart was a blessing in disguise and for the best in the end read more