To be fair, I'm gonna state facts here and you can decide for yourself: First, I have had 3 loans with them in the past, process was easy, no complaints. My credit score was just under 600 and I was paying 12% interest. Now my credit score is about 630 and they decided to charge me 14% interest for my 4th loan (mind you, not once was I late on any of my payments with them). Fine, time was of essense and I was kind of pushed back to the wall. I was prequalified and just had to pick out a vehicle (I lived in the state of MN, my wife was already in TX and I was going to move to TX shortly as well). The folks I have dealt with in the past are Tina Downtown Ft. Worth office), the folks that work at their financing center that I have spoken to this last time are: Cynthia, Florence (the nicer one of the bunch), and Sahara. I started looking for cars in MN, first deal fell through because the car was not being sold by a franchised dealer, second deal fell through because the car was a 2003 and even though it was mint, one owner with 45xxx miles it didn't have anough equity (they only finance 2004s and up I was told), third car fell through because the address that was put on the purchase agreement was not my address in MN but the address I was moving to in El Paso (they knew all this BTW). It shall also be noted, that nobody bothered telling me the deals had fallen through in every single case. Meanwhile 5 days have gone by and I'm getting really ticked because nobody bothered telling me what the restrictions were, so much of my time and some of the underwriter's time was wasted (oh yeah and every deal that fell through was not communicated to me either when it fell through, I found out as a result of doing a follow-up, A+ you guys). Then I just called Tina (who knows me personally and who got me the first three loans) and asked if she could help. Apparently my application was interpreted as withdrawn when I complained to Sahara about what the point was of trying to find a car when every deal so far had fallen through because of their lack of communication from the get-go. I spoke to Tina on Wed eve, gave her all the info about the car, was supposed to fax in the purchase agreement the next day. Faxed in the purchase agreement at 8:15, followed up with her at 9:30 (I had expressed to everyone, including Tina, that I did not have much time and that I was in an even worse pinch now as a result of their A+ communication - I still had to drive the car to TX once purchased btw, and they knew that too). It took Tina an hour and fifteen minutes to forward my purchase agreement to her manager (even though I had told her the previous evening I'd do it first thing in the morning). Then the manager supposedly was in a meeting and she would check out my app once she came out of a meeting. Lunch time passed, no communication came from anyone, meanwhile I kept calling about every hour, couldn't get a hold of Tina, Left voicemails, e-mailed, got 1 reply to one of my 5 e-mails and one call back to one of my 7 or 8 phone calls asking me where I was planning on using the car, "Oh hi! Was I talking to the wall all this time????" Long story short, I kept calling and e-mailing, the day went by. I called Tina (final call) at 4:45 and just asked (aggravated at that point of time but not rude) if they were going to give me the loan or not, if not, to let me know such that I would figure out to do about my wife who had no transportation. Thu went by and I have I have to hear from them yet. I called the dealer, from whom I was purchasing the vehilcle the next day, they financed me in under 2 hours at a rate of 8.6% for 60 months when EECU would only do 36 months at 14%. Customer service standards = India. No clue what transpired, because as I stated earlier, my previous three loans were super easy. But this time, Epic fail in all aspects. On top of that Cynthia had the balls to tell me that they were doing me a favor by doing another loan for me after they had assumed my application withdrawn when I complained about the process (never-flippin-mind that 6 days had gone by because nobody paid attention in their business communication class in school, maybe they all took the same class). Laugh! What a joke! Never ever will I do business with these clowns again, they had my history, despite my not so great credit score I was always on time, but who cares, let's squeeze the guy a bit, shall we? read more