DO NOT use this company for obtaining an auto loan. We have been with this company for 2 years now and if we could have gotten out of this contract, we would have done so within the 1st 6 months. The way they deal with their customers is appalling. They treat their customers as less than educated when, in fact, they are the ones that obviously lack an education. They lose payments between the drop box and the office and then proceed to call you horrible names and tell you that you did not make your payment. (This has happened to us more than once. We had to stop payment on checks and they refused to reimburse/credit us even with proof of the stop payment.) They discuss your account with other people without your consent. EXCUSE ME - BUT THAT IS AGAINST THE LAW! There is something called the HIPA Privacy Act, you bunch of jerks. They called our daughter while we weren't at home and told her that they were going to have her father arrested for a stolen vehicle when the payment is only 5 days late and the car is sitting in the driveway. That's a lie - you can't have someone arrested when you haven't even attepted to obtain the vehicle thru normal measures. One time we were 3 days late and they tried to threaten ""warrant"" and I had to educate them on the fact that they couldn't file a ""stolen vehicle warrant"" on a car that was located at the address that they have on file. I told them that if it was that important to them to come get it. At that point they wanted to arrange for payment. And another thing - - I'm sorry, but the $15 late fee does not include verbal abuse of another human being. It's either the late fee or come and get the car! I've had nothing but trouble with the vehicle from the very 1st month of purchase from CHRISTIAN AUTO BROKERS. United Auto Credit is not a reputable company that anyone should have to deal with. They are nothing but a bunch of bullies making empty threats.
Pros: Are you kidding me?
Cons: Everything about this company.
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