Emich Automotive

We had the worst experience you could have trying to buy a car. All parties that we were involved with, from salesmen/saleswomen to a finance manager were dishonest and manipulative. One salesman was just downright rude and we refused to deal with him. The sales manager, a woman, hid information from us in order to get an application and a credit report on my daughter. The finance manager told so many lies I couldn't keep count. We told them UPFRONT that we could put money down on a car that was NO MORE than $10,000 and that we wanted a monthly payment in the $200 range. And we told them that we didn't want to run a credit report or fill out an application if the car(s) that we looked at were more than that amount because my daughter could not afford a more expensive car. They let us believe that the car we were looking at would fit our parameters, but after filling out the application and letting them run a credit report they put a quote in front of us for a payment of $660 a month for 48 months!!! We were incredulous! Of course we said that my daughter could not afford that payment, which they knew. The lying finance manager spun all manner of tall tails and kept dropping the monthly payment until he got all the way down to $399 a month, which my daughter still could not afford. We then tried to talk about another car that she could have bought outright but they refused to even talk about that car. So we left. Then, the finance manager started texting my daughter the next day about the lower priced car, bypassing me altogether. My daughter has never bought a car before and he knew that so he tried to take advantage of her. He actually got her to the point of signing an econtract but she was smart enough to call me and have me talk to him. Turns out he was trying to sell her an extended warranty that he admitted didn't cover much, but he would not tell me how much he was charging her for the warranty. He also would not say how much the final cost of the car was, how much she would get for her trade in, what was the interest rate, or how many months she would pay. When I asked for a copy of the contract he was evasive. When I told him that I would just come down to the dealership he literally told me that he didn't want me to negotiate for my daughter and then he spun a lot of legal B.S. about liability if it were not her decision to buy the car. Basically, I just called him out his lying and evasion he just started talking so fast that I could not get a word in. I told him, "Hey, could you stop talking for a minute?" He just said, "No, no, no! This is not working for me." I hung up on him and called my daughter back and told her to walk out. He STILL pursued her with more texts and calls and ultimately sent her a contract. She sent the contract to me. I noticed that the PDF that contained the contract was titled "sample." I read over the contract and the numbers did not even add up correctly. This is what the "contract" said: The total cost of the financed payments would be $3,529.80. But then I looked and noticed that there were 57 payments at $196.10, which multiplied would total $11, 177.70!!! I told my daughter that the people that we dealt with at Emich were dishonest, having outright lied many times, and manipulative and that she should NOT ever deal with them again. I am writing this to warn others of their dishonesty and to tell everyone that if anyone tries to sell you something with a contract that they won't allow you to share with an advisor don't do business with them!!! Everything should be transparent!! If the seller is not transparent and upfront with ALL information don't buy from them!!!! If they try to manipulate or bully you, don't buy from them!!! If they hide anything from you or someone you trust to negotiate for you, don't buy from them!!! Emich Automotive did all of the above! I advise you NOT to buy from them!!!!

We had the worst experience you could have trying to buy a car. All parties that we were involved with, from salesmen/saleswomen to a finance manager were dishonest and manipulative. One salesman was just downright rude and we refused to deal with him. The sales manager, a woman, hid information from us in order to get an application and a credit report on my daughter. The finance manager told so many lies I couldn't keep count. We told them UPFRONT that we could put money down on a car that was NO MORE than $10,000 and that we wanted a monthly payment in the $200 range. And we told them that we didn't want to run a credit report or fill out an application if the car(s) that we looked at were more than that amount because my daughter could not afford a more expensive car. They let us believe that the car we were looking at would fit our parameters, but after filling out the application and letting them run a credit report they put a quote in front of us for a payment of $660 a month for 48 months!!! We were incredulous! Of course we said that my daughter could not afford that payment, which they knew. The lying finance manager spun all manner of tall tails and kept dropping the monthly payment until he got all the way down to $399 a month, which my daughter still could not afford. We then tried to talk about another car that she could have bought outright but they refused to even talk about that car. So we left. Then, the finance manager started texting my daughter the next day about the lower priced car, bypassing me altogether. My daughter has never bought a car before and he knew that so he tried to take advantage of her. He actually got her to the point of signing an econtract but she was smart enough to call me and have me talk to him. Turns out he was trying to sell her an extended warranty that he admitted didn't cover much, but he would not tell me how much he was charging her for the warranty. He also would not say how much the final cost of the car was, how much she would get for her trade in, what was the interest rate, or how many months she would pay. When I asked for a copy of the contract he was evasive. When I told him that I would just come down to the dealership he literally told me that he didn't want me to negotiate for my daughter and then he spun a lot of legal B.S. about liability if it were not her decision to buy the car. Basically, I just called him out his lying and evasion he just started talking so fast that I could not get a word in. I told him, "Hey, could you stop talking for a minute?" He just said, "No, no, no! This is not working for me." I hung up on him and called my daughter back and told her to walk out. He STILL pursued her with more texts and calls and ultimately sent her a contract. She sent the contract to me. I noticed that the PDF that contained the contract was titled "sample." I read over the contract and the numbers did not even add up correctly. This is what the "contract" said: The total cost of the financed payments would be $3,529.80. But then I looked and noticed that there were 57 payments at $196.10, which multiplied would total $11, 177.70!!! I told my daughter that the people that we dealt with at Emich were dishonest, having outright lied many times, and manipulative and that she should NOT ever deal with them again. I am writing this to warn others of their dishonesty and to tell everyone that if anyone tries to sell you something with a contract that they won't allow you to share with an advisor don't do business with them!!! Everything should be transparent!! If the seller is not transparent and upfront with ALL information don't buy from them!!!! If they try to manipulate or bully you, don't buy from them!!! If they hide anything from you or someone you trust to negotiate for you, don't buy from them!!! Emich Automotive did all of the above! I advise you NOT to buy from them!!!!

I recently purchased a vehicle from *** Automotive. The agreed upon interest rate was 6.7% with a monthly payment of $284.64.

When the loan application was submitted *** Automotive (Clarissa Beloff) entered the incorrect social security. When the mistake (on their part) was corrected my interest went up to 9.19% with a monthly payment $302.78.

This is unacceptable. This increase in interest and payment was due to their neglect and I’m being expected to pay for this mistake after agreeing on much different terms (6.7%, $284.64).
Because of this mistake I am requesting that the purchase price of the vehicle be reduced so that the monthly payment aligns with the original agreed upon amount, $284.64.

*** might not have any influence on the terms of loan, but they do have influence on the purchase price of the vehicle.

I recently purchased a vehicle from *** Automotive. The agreed upon interest rate was 6.7% with a monthly payment of $284.64.

When the loan application was submitted *** Automotive (Clarissa Beloff) entered the incorrect social security. When the mistake (on their part) was corrected my interest went up to 9.19% with a monthly payment $302.78.

This is unacceptable. This increase in interest and payment was due to their neglect and I’m being expected to pay for this mistake after agreeing on much different terms (6.7%, $284.64).
Because of this mistake I am requesting that the purchase price of the vehicle be reduced so that the monthly payment aligns with the original agreed upon amount, $284.64.

*** might not have any influence on the terms of loan, but they do have influence on the purchase price of the vehicle.

I recently purchased a vehicle from *** Automotive. The agreed upon interest rate was 6.7% with a monthly payment of $284.64.

When the loan application was submitted *** Automotive (Clarissa Beloff) entered the incorrect social security. When the mistake (on their part) was corrected my interest went up to 9.19% with a monthly payment $302.78.

This is unacceptable. This increase in interest and payment was due to their neglect and I’m being expected to pay for this mistake after agreeing on much different terms (6.7%, $284.64).
Because of this mistake I am requesting that the purchase price of the vehicle be reduced so that the monthly payment aligns with the original agreed upon amount, $284.64.

*** might not have any influence on the terms of loan, but they do have influence on the purchase price of the vehicle.