Rancho Santa Fe Thrift & Loan Association

Jojo G. 

on Insider Pages

13 years ago

Terrible Auto Lender Poor, inconsistent customer service. Rude and inconsiderate at times but they are growing fast and are profitable. If a dealership offers to finance your next car at Rancho Santa Fe Thrift & Loan Association SAY NO! It's not worth the hassle even if it looks like you would be saving money. I've read many reviews that say they repo your car during the night if you're late on a payment. In my experience, If you call and let them know and make arrangements they will only charge a late fee then bug you until... read more

Jojo G. 

on Insider Pages

13 years ago

Terrible Auto Lender Poor, inconsistent customer service. Rude and inconsiderate at times but they are growing fast and are profitable. 

Deborah A. 

on Insider Pages

13 years ago

There is a hell and there is karma I did not see any terms so how can I agree? I thought I was buying a car from Jim Click in Tucson, Arizona. I went there because of their good reputation. The salesman was sweating and fast because he knew I wanted the car. Due to his great skill of manipulating I was really buying a car from Rancho Sante Fe. I later found out they were denied a business here from BBB 6 times. My payments 99% of the time were perfect for almost 2 years. I lost my vision in one eye and thats when I missed a ... read more

sickntired s. 

on Insider Pages

13 years ago

Fed Up Were do I start. I had a choice of finance companies and choose to go with Rancho. The biggest mistake!! The customer service is plain horrible. Rude does not begin to describe the employees. I have had my loan with then for a few years and I am planning a party when my car is paid off. I paid my car note $50.00 once and received a "threatening phone call". I explained to the person, I understand the reason for your call and tried to explain that my mother just had a major stroke, as I was in the hospital and we were ... read more

kevin m. 

on Insider Pages

13 years ago

repo after saying my pmts. of $400mo have gone up to $550mo. because my insurance lapsed. Got my ins reinstated, which cost me $200 every 6 months for full coverage, but i haven't paid them anything the last 3 months because they're trying to make me pay $150 more per month for insurance they supposedly took out on there own.Tthey threatened to repo, but can't find the car. If i wait them out til they go out of business, then do i get to keep the car and not have to pay the balance. 

Robert B. 

on Insider Pages

13 years ago

A Positive Experience My dealings with this company have been positive. When I was laid off in Feb 09 they worked with me in regard to reduction of payments and payment extensions until I found work again. As a result now that I have been working for over a year I traded my vehicle and got into a better interest rate loan and they were paid in full. When I read some of your comments complaining you all seem to forget that Rancho was willing to finance you when nobody else would. Anything that occurred afterwards that was neg... read more

Deborah a. 

on Insider Pages

13 years ago

Blood suckers I can not believe merchant circle has let pay day loans sharks like you. I am going to have to call them it's REDICKULOUS you can't trust merchant circle your all scammers more than ever No star from me. blood suckers. It's fixed the star is tor the worst company under first bank. You idiots they are crawling out the gutter that's they some fake decency on the phone. If you ask how many sante' s are going bankrupt you find a blog of how many people are suing them.Call State Att for consumers. 

phyllis f. 

on Insider Pages

13 years ago

Not the best but not the worst either They may not be the best finance company to deal with, but they are certainly not the worst either. I don't like that if I pay by phone either with a check or debit card that they charge to do it, but so do the electric and cable companies. 

phyllis f. 

on Insider Pages

13 years ago

Not the best but not the worst either They may not be the best finance company to deal with, but they are certainly not the worst either. I don't like that if I pay by phone either with a check or debit card that they charge to do it, but so do the electric and cable companies. As far as customer service goes, you get the attitude that you give. I have dealt with Vanessa for a couple of years now and at the beginning she seemed to have a little something to proof, but as time has gone on, she has gotten friendly, even congra... read more