Rally Credit Union Car Loans

If I could rate this company with zero stars, I would. This baby bank was chosen by our car dealer to fund my wife's vehicle loan, without notifying her which bank was chosen. As a result, we had no opportunity to check reviews or learn more about Rally's business reputation.

As it turns out, this bank has no compassion, no empathy, and no heart for its customers, it's all about the money and how fast they can get it. Recently I fell on hard times and have been unemployed for quite some time. Until this month, my wife and I have been able to handle our finances without issue, but now we are having financial problems. My wife called Rally to request a deferment of her auto loan payment for one month, preferably two, as I am scheduled to finally return back to work in January but have limited funds right now. She spoke with two collection clerks (one was supposedly a supervisor) and both in their most robotic tones refused to help her, siting policy, even after she begged them for help to the point of crying on the phone. Even so, they remained robotic, showing no emotion at all. In the end, she was just transferred to a different department after being told that the only option left was to apply for a temporary payment reduction. After talking with a person at this department, who was also robotic, she was told that she would have to submit a whole new application and have her credit pulled again to see if she qualified. She did so and was then told that a VP had denied her application because they saw no financial hardship.

Now I understand that my wife's loan is new, but how they can say that she is not suffering any financial hardship just amazes me. Is having one spouse not working, not a hardship? Is being a teacher in Texas, not a hardship, when the Texas legislature is refusing to fund schools. Is it not a hardship, when one has to choose between making their car payment and Christmas? Come on. Please avoid this bank, if possible. They refuse to care.

I'm glad they work with me . Vary nice and willing to help me with any questions I need answered . Respect. I would keep recommend people there way

This was the worst experience dealing with Navy Army Community Credit Union. I won't ever use them for a car loan again. When you fall on bad times and can't make your car payment, they tack the late fees onto the back end of your loan. I didn't know this until recently. I thought I was finished paying off my car, according to the Navy Army's app, and they reported to all three credit bureaus that the loan is paid in full. Lo and behold, I still owe $406.96 in late fees. The representatives said that this has to be paid for them to release my title and send it to Austin to be processed. The people here do not help their customers at all.

If I was able to give this agency a ZERO stars review I would. Called to set up a draft of our very first payment on car loan. RUDE people at the Corpus Christi call center. People at the local branches (Rio Grande Valley) very helpful, knowledgeable and understanding. If you can avoid calling, DO SO.

Excellent Bank. Thank you for giving us opportunity. I will definitely recommend it to family and friends. NavyArmy thank you so much.

NavyArmy is a good Credit Union Bank. They help you in getting a good rate in purchasing a vehicle thru them. They are very informative in getting you help.

Great communication easy access, great help with understanding and giving feed back about loans and how to pay of sooner with minimal interest.

EXTREMELY disappointed with the services we've received during the last few months with Navy Army. During this pandemic, I've been able to work with my other car lender to avoid repossession and they have graciously considered all my "real life" scenarios. Navy Army could care less about the difficulties their customers are facing during these hard times. I will be closing my checking/savings account with them as they have NO PROBLEM telling me one thing and doing another, regardless of ANY arrangements or discussions made.

I have been with Navy Army for some years now and have to say that recently I have been quite disappointed with their services. It seems their new tactic is holding on to pending purchases as a way to try and charge overdraft fees from their clients. Also, my credit score went up so I tried to get the interest rate on my car loan lowered, however, I was denied. I know times are tough but this is also a time to realize who is with you through the hard times and who is not. Looking for another bank if anyone has any suggestions please feel free to comment below. Thank you.

Car was totaled, credit union refused to refinance for just the amount i owe. I lost my job and was unable to make full payments. Overall service was mediocre. I attempted 6 times to make arrangements on my amount owed. Since they refused to work with me i decided just to default on the loan. Hits my credit but i was expecting that.