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  • I have decided to share my story in the event someone is in the same boat I was when I stepped into Ganley two and a half years ago. Long story short for the sake of internet reading. If you happen to have to go though a "special financing" because you are rebuilding your credit, don't believe a word you hear. They will tell you if you pay perfectly for 18 months you will be able to come in and get "Any car you want on the lot". It is not true. The special financing they will put you in will have you so upside down on the car you are rebuilding with you won't be able to get any kind of financing unless you have an absurd amount of money down. I am sure this practice is not just unique to Ganley, but the sales manager at the Hyundai building swore up and down to me I could get any car on the lot after 18 months. Well, I went back after 24 months of perfect payments and I am stuck with a car I owe $13,500 on that ganley will only give me 6,400 bucks for. That means I would have to have some serious money down to make any deal even remotely possible. Not to mention they're still holding the bad credit of the past against me to spite two years of rebuilding. I just want people to realize what they are getting into when you go through special financing. Personally I think it is as bad as predatory lending. It seems good at first but 2 and a half years later you're stuck with a vehicle you're making payments for that is out of warranty. I believe if it weren't for two things the pushy nature of the sales manager and them promising me I would be able to get out of this in 18 months I would not be in this situation today. I would never trust what someone at this place says again.
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