21 Century Auto Dealer at Springfield NJ
SPRINGFIELD, NEW JERSEY -- I have the first hand experience. Look at the justification 21st century employee gave... they just insult the customers if you don't agree with them and make them rich, just by paying what they demand. By the way, what they demand has nothing to do with what they advertise. They themselves say that its 'just an advertisement' to attract people and pull them to their shop.
As I dint want to take a chance, I took the printouts from their website, not for one car, but 4 different cars. As one of their customer mentioned in my3cents dot com, they just played the game that they don't know where 2 of the cars went! They couldn't find their own car on their own lot. Then they shows me their costliest cars, I insisted on seeing only the ones I had the printout for. Then he showed the costliest one and he said he is busy (but I couldn't find anyone else waiting for his time). After checking the car, he wanted me to sit with him to talk 'numbers'.
When I asked him about the price of the car, as I saw in their site as $26,000, he just dint respond, but kept on asking how much I can make as a down payment and what's my monthly payment can be. I dint understand what that has to do with the price of the car, no matter what the down payment or monthly payment is. Anyway, I said it can be between 5-10 grand and $500-700 per month. I agree that if you need a financing then you may need to know these details. But the dirtiest catch of these rude company is that you have to take the financing from them. We innocent customers will think, what's wrong with financing?
The sales representative goes to his manager then and talks for a while. He comes back with the highest numbers you mentioned. So the down payment becomes $10,000 and monthly payment becomes $700. Then he asked, are you happy. I was OK, then I asked about how long are the terms for. Now comes the shocking news, its for 60 months!!! Which inturn means, I will pay $10000 + (60 x 700) = 10000+42000 = $52,000!!! I dint understand, why would I pay double the amount of the car by the end of 5 year term. The explanation was they usually ask customers to pay in 48 months, ie 4 years that amount! So it was showing a very high APR in 2 figures. I said as you demanded, I have over 740 credit score, still why should I pay 11+ APR, my bank offers 2.9% APR, I can understand if you ask for 4 or 5% APR. They sarcastically replied saying, if your score was not above 740, then the APR would have been over 20% !!!
I told them then don't worry about financing, I will get my own or I can pay them in cash the entire $26,000. At that time, they called their manager an irritating short guy, comes and rudely, I mean very rudely said they are not running charity, but a business and they will charge what they want, whether its 15% or 25%, we customers don't have to know that. If you want the advertised price, you have to take their APR whatever they say. Or they won't sell the car. I was just shocked, so they have a number and they want that much, no matter what they advertise for. They could even say $15,000 for a car and still get $35,000 through their APR. That's just ridiculous!!! They are just frauds and cheats, take a look at their BBB rating, its just 'F' which in turn shows their reputation. I think as customers we should be able to do something against these crooks.
Readers, do not get tricked by 21st Century Auto dealer. Do not buy anything from them or visit them. At least ask them upfront what the price of the car and the APR they can commit for your credit score. Also record the same while talking to them over the phone. We can file a suit against them later, when they came up with their dirty tricks !
If you want to go through a very bad experience or if you are a masochist just visit this dealer !!!!