First, if you are trying to recover from bad debt, don't even bother. YOU HAVE NO CHANCE. Unfortunately, I was a victim of the economic crash and have been struggling to work my way back up and make good on my debt. I've fulfilled my obligations with 7 of the 13 (yes, I know, but I've learned my lesson) accounts I used to have, and I'm working on the others. Despite that, my credit score isn't that great. I'll just have to keep working at it. With that said, this dealership will NOT go to bat for you with the banks they deal with. So, my length of employment, job title, length or residence and current wages mean absolutely squat to North Shore Mazda. I even have a sizable cash deposit and a trade.
When I first started this journey, I initially looked at their online inventory. When I found a few I liked, I filled out their online application for financing. The next day, I got an email back from Courtney, the internet sales coordinator to inform me that another person will be in touch at a later date and that I needed to fill out an online financing application (which I had already done and was the reason they emailed me back, right?).
Shortly after Courtney's email, I got an email response on my online finance application and it said this (I am copying and pasting):
"Congratulations!
Thank you for your credit application. We are in the process of reviewing your credit. Based on our preliminary review, we think we can come up with an attractive financing package for you."
Ok, so far so good, right? Well, I got a response email from Teresa after I replied to her about what I'm interested in. This went back and forth for approx a week, and I was very clear on what car I wanted to come see. I had a date and rough time that I was coming in. In this exchange, she sent the following email:
"Hello XXXXX,
I have some good and bad news for you. As far as the 05 CR-V it isn't a vehicle that is able to be financed because of its age and mileage. However, with that being said, we looked at your credit and it looks as if we should be able to help you on another vehicle. When is the best time to come in and pick a vehicle?
Best,
Teresa xxxxxxxxx
Internet Sales Manager
North Shore Mazda"
Ok, that's TWO acknowledgments that I'm good to go with financing, right?
The date finally comes (a week after the very first contact) and I get to their showroom. I stood outside by the cars for a good length of time, not a single person came up to me. I finally wander over to two guys smoking by the building and tell them why I was there and who I was supposed to see. The told me that someone inside can help me. Translation, "We don't want to help you."
I go inside and wander a bit, and a guy named Frank asked if I needed help. I told him the same info, and he went to spoke to the manager, Greg. Frank then comes out and says he can help me. We sit down and start the interrogation process of what kind of car I want, despite me telling him exactly the car I was here to see. After a while, he heads off and talks to the manager again and comes back and tells me that the car I came to see sold "days ago". What? Teresa knew that I was coming to see it, but failed to tell me it sold during the time we were still talking? Meanwhile, however, he was happy to start pitching more expensive cars to me. I declined and went home.
I got a thank you email from Frank for coming down, which I thought was very cool to do, even though I didn't buy anything. That made me give them a second chance and I started looking again at what they had to offer and exchanged emails with Frank over a span of another week. During this exchange, however, I kept getting the vibe that Frank didn't want to help me. He kept saying things like "the banks require really good credit" etc....which I know isn't completely true due to a friend with a much lower credit score than me, and no job, just got approved to buy a new 2014 car.
I called Frank today, and he told me I had to fill out an application for financing (which I've done already). I told him I did, so he said he'd call me back, and he did. We exchanged a few more calls, and then he told me that they couldn't get me financing, even though I was told TWICE that I could get financing. Frank said, and I quote, "I don't care what Teresa told you." WOW....just wow. I felt like I was being scalded like a child.
If I could give zero stars, I would. HORRIBLE experience. Once I improve my credit and save up even more to put down, I will not bring my business here. Greg is doing a bad job (see other reviews). I hope the owners are taking notice. I will also file with the BBB for false information because they told me twice I was approved for financing, and then was suddenly not. I think I was discriminated against due to my appearance.
AVOID NORTH SHORE MAZDA AT ALL COSTS. Please note, NSM is NOT BBB accredited!!! I filed a complaint. read more