Rally Credit Union Car Loans Reviews
5
21%
4
14%
3
0%
2
0%
1
64%
2.2
14 reviews
14 reviews
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Art Guerra
@aguerra0523
1 Star Rating
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.
Product: Rally Credit Union Car Loans
Comment
Cierra
@buentellocierra
4 Star Rating
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
Product: Rally Credit Union Car Loans
Comment
Damond
@damondjames987
1 Star Rating
This was the worst experience dealing with navy army community credit union, I won't ever use them for a car loan, when you fall on bad times and can't make your car payment, they tac the late fees at the back end of your loan, I didn't know this until recently, I'm thinking I'm finished paying off my car, according to the navy army's app and they reported to all 3 credit bureaus that the loan is paid in full and knowing behold I still owe 406.96 dollars, of late fees, the reps saids, and that has to be paid, in order for them to release my title and send it to Austin, to get process,ppl here do not help their customers at all...
Product: Rally Credit Union Car Loans
Comment
Jo Rosales
@josrosal
1 Star Rating
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.
Product: Rally Credit Union Car Loans
Comment
Samuel
@smunguia
5 Star Rating
Excellent Bank. Thank you for giving us opportunity. I will definitely recommend it to family and friends. NavyArmy thank you so much.
Product: Rally Credit Union Car Loans
Comment
1
Abel
@you4latin2
4 Star Rating
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.
Product: Rally Credit Union Car Loans
Comment
Markos
@markosrodriguez408
5 Star Rating
Great communication easy access, great help with understanding and giving feed back about loans and how to pay of sooner with minimal interest.
Product: Rally Credit Union Car Loans
Comment
Sammi sh
@sammi_s_perez
1 Star Rating
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.
Product: Rally Credit Union Car Loans
Comment
Rally Credit Union
@NavyArmyCCU
Sammi- We would like to hear more about your encounter and how we can work together to resolve any complaint. Please email us at [emailprotected] at your convenience.
Comment
Norma
@nleal1007
1 Star Rating
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.
Product: Rally Credit Union Car Loans
Comment
Rally Credit Union
@NavyArmyCCU
Norma- We would like to hear more about your experience, please email us at [emailprotected] at your convenience.
Comment
joseph
@joseph_hagin
1 Star Rating
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.
Product: Rally Credit Union Car Loans
Comment
Review Rally Credit Union Car Loans
Rally Credit Union Car Loans Q&A
Get answers to your questions about Rally Credit Union Car Loans below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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What year is the oldest Rally will Finance
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my fico is 585 so do i qualify for an auto loan?
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Does navy army also refinance auto loans that are already under navy army?
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How do I enroll in estatments
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Rally Credit Union
@NavyArmyCCU
Login to your online banking account, click on the menu bar, select "Services" then select, "Statement" you will be asked to validate your email a new window will appear, and you will select the profile shaped icon and manager your choice under the section "Delivery" you will have the option of "Online Only" or "Paper Mail Only." Please feel free to contact us if you need further assistance 1-800-622-3631.
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What credit bureau is it used for the auto loans, land loans and personal loans?
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Rally Credit Union
@NavyArmyCCU
For personal and auto loans we use TransUnion as our primary source. We have the ability to pull Experian and Equifax, however, we only pull an alternate bureau if a member asks us to. We've found that TransUnion has the most thorough and updated info of the three bureaus.
For land loans, our Real Estate Department uses a Tri Merge report that incorporates information from TransUnion, Equifax and Experian. This method is mandated by...
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