Hi Stephanie,
Thank you for taking the time to write a review. We're sorry your second dealing with us was not as pleasant as for your first.
With regards to interest rates, the lenders all charge different interest rates based on their overall risk assessment of any given transaction. This doesn't just relate to an individual borrowers overall credit strength, but also the type of asset being financed. The lenders, if something were to go bad with a loan that required them to sell the security to pay out the loan, view a brad new car as a far more saleable asset, one that will hold its valued; as against the likes of a custom built, recreational camper trailer. It is for this reason the lenders charge higher rates for more specialised security.
With regards to using the same paperwork for both transactions, our records show that the paperwork sent out for the first transaction was emailed to you on the 11th of April, and the paperwork for the second transaction was emailed to you some 3 weeks later, on the 29th of April. We take pride and comfort in the fact that our clients are emailed all of their loan particulars, for them to review in their own time, ask any questions, etc; before signing and returning, in their own time. If there was a 20% deposit required as condition of the loan approval, we would have conveyed this information as soon as we knew of it. It sounds like timing of this did not suit with the timing of your pick up arrangements.
Please accept our apologies for not being able to meet your expectations on your second dealing with us. If we can provide any further clarification, or would you would like to further discuss anything at all, please do not hesitate in getting in contact with us on 1300 301 051 or info@autocarloans.com.au
Kind Regards,
AutoCarLoans.com.au
