Security National Automotive Acceptance Company Review

They are the worst bank I ever went threw for a car! They are very incompetent. DO NOT BANK THREW THEM!!!

They have the worst service I ever seen. Messed my payment. Make one payment and they duplicate it. Have to complaint and they take too long to correct their error. Was trying to pay off my car so I can be done with them and they are still messing with my payment so they can get more interest. I would never, never use them again and I won't recommend them to anyone if you want to save yourself some headaches and some money.

Numerous times have withdrawn from my account and then claim to never receive payments. Absolute garbage company that likes to take advantage of service members.

Please dont finance through them, I have a working theory that they work for isis

Nosy nosy nosy people ....You dont call my family I gave as a review and ask personal questions about my life ...You just dont know what a b***h I can be when you do that crap to me

Absolutely horrible! The high interest rates are one thing, but my credit wasn't great, so I understood. However, for three months in a row, I made payments and received email confirmations of the payments but the money was apparently never taken out of my account. Nor did they follow up with me regarding this being an issue for three additional months (yet they called me every other month when I was one day late!) Because of the history of them calling when there was an issue, I thought all was good. I live paycheck to paycheck, and don't "balance a checkbook" (bad on my part), but I just never suspected anything was wrong with the account since I had done my part and received the confirmations. One gentleman did try to assist, but ultimately, they did a one-time two month deferment, which really just costs me more interest. The "Dashboard" was not updated for months, so without calling in, and dealing with some not-so-knowledgeable or friendly people, you did not know that payments were not reflected, or what your balance was.
And the kicker today is...although I have been making my payments through the website, using the same login ID email for the past 18 months, my email address is no longer a valid email address in their system. So now I have to call in to those lovely people to figure out what the heck has gone wrong this time.
This is not a company I could ever in good conscience recommend to anyone, and encourage anyone considering using this company, even if you have questionable credit, to look elsewhere first.

I would give these people10 negative Stars if there was a way As an ex employee and consistent tip perfotmer and who hapens to pocess a very strong consumer lending background. This "Company" operates on the fridge of the law, if not down right break all collection & usery laws.

They preyed on the brave young men and woman, who serve and protect us.Not to mention that they are the have not being young, and,have NO idea how credit works.

Here is SNAAC' business model, sub contract t buy here / pay here . lots as the lender of last resort.

Having spent a short amount of time in I ha e seen a car come in, on tow the was purchased for $ 100 started and sold after a wash and detail sold 6 hours late for $4,500.

Young men and woman want sporty cars they fall in love with the car and payment they can afford the service paying directly. They pay up to 4 to times Blue book value at prime + 16%... example 2006 Mazda solf for $22,000 3.5 times book @ 22 % which soldiers may be able to afford while in the service but if they get out car is repossessed

You have the worst collection tactics I have ever seen 25 years in the business calling up the chain of command and getting people suspended they've broken many many laws and they treat their employees like garbage they don't believe in giving them coffee they charge it and you have to bring your own cup you don't get paid for breaks and you get fired if you look at the fat human resource directed directly

Very easy to work with and amazing customer service

In my opinion, they are of the the worst financial institutions out there. I ran into some financial issues in 2009 and got behind a little bit. They were extremely rude and harassed me at my job constantly.

Please be careful when dealing with SNAAC.

Never took the car payment out on the dates that were agreed upon, traded in the car they still took payment out even with us not having the car anymore etc (told me it could take up to 2 weeks to refund it). They owe a over payment to my husband and I, it's been weeks now and no check. They keep giving excuses of it was mailed out and a different day than I was originally told. Steer clear of this company ,nothing but a everlasting headache.

Getting ready to leave the Army. $500 a month for a car is ridiculous even for someone with no credit. Going to take this loss on my credit score this time, and make sure none of my brother's in arm's gets ripped off by these people. I will put ads on walls letting people know to stay away from companies like this especially SNAAC. You may have gotten me, but you won't get anyone else in my unit, and I'm going to make sure of it.

I am in the military for over 20 yrs I got a car for my wife we just brought a house and been paying extra for over year and my balance due is the same if was not paying extra.I am very disappointed.

Not a good company when it comes to communication. My husband missed one payment and it accumulated interest and now a car that was supposed to be payed off in 4 years is taking 8 years to pay off with an increase of $10,000. He was never informed about this accumulated interest. I understand it is also our responsibility but there is no interest in customer priority or customer satisfaction. Also the APR % rate is ridiculously high, do not go through this company if YOU ARE MILITARY. We ended up going to a different bank, took a loan out and did a payoff with this company and ended up with a 4.74% APR vs. 17.99% APR. Ridiculous!

Been using them for a year and this last month they changed their website without telling me and then they changed my payment dates I had through them. This company is trash and whoever made the website needs to have their fingers cut off because this is the most braindead website I've ever used.

Horrible at getting anything done in a timely manner. I'm ahead on payments and because they messed up I'm getting calls still non stop and than I have to explain myself and the situation everytime. They are doing this so the interest will keep piling up and late fees

Just terrible, I ve been with them since I came into the military in 2013 and fell victim to a predictor who went after military members to sell cars, I was 20 years old young and naive and agreed to the terms not knowing exactly what I agreed to just wanted a new car... 5 years later I m just now getting that loan under 4K with no chance to refinance and stuck with a high interest rate... they charge you to make payments, if you re a military member I urge you to stay far away from them

I wish I read these reviews before I got my car. But I'm real. Close to saying screw this car and go and get me one from buy here pay here

Always willing to help military with no credit or even bad. I signed a 5 yr contract at 202 a month and finally paid them off. The need veteran programs

Awful service. Did not agree to be with this company. Had a different price set now I m paying 458 a month. My car price hasn t went down since September. The interest rates are out of this world! They re terrible.

Great customer service and very helpful with answering any question that i had when it came to my loan.

Paid off our car in April. They keep taking out payments regardless and won't answer their phones. We keep having to go through our bank to have our money refunded. Horrible customer service and WILL screw you over every chance they get. Avoid them at all costs. I wouldn't give any stars if it were at all possible.

The only reason I rate them 2 stars versus 1 is solely on the fact they allowed a deferment because I was a little backed up.

I don't knock the 16% interest rate they gave me because I had really bad credit.

I had automatic payments set up for the 1st and 15th. I got a phone call from them on the 3rd telling me I was one month late. I thought that was odd seeing as I have automatic payments and the funds were clearly available. I was told I owe 450$ (70$ late fee) and offered me a deferment. I accepted the deferment for a month so I could catch back up. After catching up and in the middle of my deferment I get another call.

This time I was told my car is endanger f being repossessed if I don't pay off my missed payments. I told the rep that I have a deferment and made the late payments. He told me that's not true and I now owe 520$ (another 70$ late fee). I'm livid at this point and told him if that's true, then I will dispute the 450$ out of my Navy Federal bank and his company can explain why they are ripping off active duty military.

I was put on hold as he talked to his supervisor and he came back on and apologised and said he didn't see "previous notes" on my account.

I worked in call centers for insurance verification and customer service for verizon before the army. I'm nt an idiot. I know exactly what he sees. The minute I answer the phone and he verifies my identification he has access to all notes from every call I've made to them, or they've made to me.

The employee blatantly lied to me over the phone to collect a debt that wasn't there. I'm selling this car, paying off Security National, and never working with this company again.

Completely worthless company don't even waste your time

I have never had a bad experience with these people. They promptly notified me when a payment didn't go through and worked with me to adjust my due date for my allotment to take effect without any hassle at all! When the vehicle was paid off and the allotment wasn't canceled they notified me that they were still receiving payments and promptly sent me my money back! Always had a pleasant experience with their customer service.

AVOID THIS COMPANY LIKE THE PLAGUE!!
Absolutely terrible. I've set up automatic payments SEVERAL times but for some reason, they cancel the payments out of nowhere. And then I get the harassing phone calls because I'm late...
Doubled down on my payments months ago (which should knock out future months payment) to try and get ahead BUT the phone calls are still coming.

If I could possibly give them 0 stars I would. This company not only charged me an insane high interest rate but would not cooperate with me when I asked questions. They would not even tell me the how much the interest and principle rate was when I asked. The customer service is horrible and the worse loan company I've ever had to deal with. DO NOT USE THIS COMPANY TO FINANCE YOUR THINGS. THEY ARE SKETCHY AND TRYING TO MANIPULATE YOU THE ENTIRE TIME! PLEASE HEED MY WARNING AND DO NOT TRUST SNAAC WITH YOUR FINANCES.

I've been paying my car for 30 months and have never ever been late for payments. They called me today on the 12th asking me to make sure the funds are available for the 15th. What's wrong with you guys? I really advise not to have any business with snacc. This company is absolutely bad.

I am a veteran like many of the other people this thieves guild preys on. I was a young veteran with bad cedit. Pretty common. I also needed a car. Also common. I got approved for a $6,000 loan on a 2008 focus with an understandably high interest rate. I agreed to payments of 452 a month on a 3 year loan to get it paid quickly. Well I tried paying online, it was always down, I tried paying on the phone but there's a fee for that, if you pay with card there's a fee, if you pay with check it's a bigger fee, pay with cash? You guessed it, a fee. At the end of 2 years I was paying $600+ every month. At one point it was more then my rent. I finally said screw it, come take the car. I went to see what the remaining balance was and they are now coming after me for $4500. Apparently the interest at 20% over doubles the total. Don't do it. In the words of admiral akbar- it's a trap.

These people are sharks!! they take advantage of you they lie they cheat please if your thinking of using this place read this and all of the other reviews and just don't do it. Even if they are the only ones willing to finance you I promise it isnt worth your time. you will get different information from one employee that goes against what another may tell you. Dealing with them to fix something on the car after a wreck is even worse. had someone willing to fix the damages on my car for a very good price. But since they didnt have some big name shop that u can just google up they made me fix it somewhere else which costed me almost a thousand more dollars!! My guy was willing to do it under the deductible. I am on the highest legal interest rate allowed in the state. Been paying 400$ a month on my car for two years and the amount i owe on the car hasnt even gone down half that. It was my first car I got suckered in by these guys and i dont want anyone else to go through the same!!