by Julia Guardione

Did you deal with a deceptive dealership?

Though financing is a very common practice for car buyers, the Federal Trade Commission indicates that auto financing through a dealership could mean that consumers become subject to deceptive and complicated practices.

According to The Associated Press, new car buyers can sometimes get so caught up with their new purchase that they overlook the importance of negotiating the interest rate, add-on services, and other costs that can significantly increase the loan amount, therefore making people pay much more overall for their vehicle.

A series of FTC-sponsored round table discussions revealed that auto financing through the dealership can include a “complicated, opaque process and potentially involve unfair or deceptive practices.” The end result can feature the consumer accepting terms and services he or she doesn’t want or need.

You can protect yourself from these potential bad practices by being aware and thorough when discussing auto loans with a dealership – read documents, ask questions, and find the small print.

When you’re ready to refinance, we’ll be here to help.

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by Julia Guardione

We’re one of Austin’s Best Places to Work

That's right. For the 6th year in a row, we've been named a Top Workplace by the Austin American-Statesman.  Every year, the Statesman anonymously surveys Austin area employees, asking them detailed questions about their employers. This year, about 23,000 people participated, answering questions about workplace issues like leadership, company culture and values, and other qualities that contribute…

by Julia Guardione

How the auto industry influences your car refinance

Most consumers believe that credit history is the most important factor that influences the offers of credit they receive. Though credit history is very important, as we've said before, other elements are at play for auto refinance loan offers. In fact, even the other factors we've listed before as lenders' main considerations for loan offers (i.e.…

by Julia Guardione

From the Desk of Douville: Rising Above

Rising above when market conditions get tough There is no shortage of data documenting rising delinquency rates, losses trending upward, and dropping collateral values. The near prime to subprime market has seen the worst performance and has been grabbing the headlines as of late. We have also seen reaction to current market conditions with some…

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