I'm pretty unhappy with what happened to me at Reno and I certainly wouldn't recommend my experience to my friends. I recently purchased an '09 VStar 1300. I liked my salesman but between the finance manager and the sales manager I felt like pretty victimized. There was a 3.99% finance offer through Yamaha and I agreed to apply for that and only that. I told both the sales manager and the finance manager that I was pre-approved through my credit union and would happily use them UNLESS the 3.99 offer was approved. I was told it would take five minutes to find out. TWO HOURS later I was offered 9% (1/2 point higher than my credit union). My clue should have been when the finance manager joked to the sales manager that ""we tried like hell to win her finance business but just couldn't beat the credit union"". NOW come to find out my credit was shopped to AT LEAST FOUR creditors (three of whom were not offering the 3.99 deal) because I'm still getting mail from the other vendors a month later. I realize I signed a credit app so what was done was probably legal but it was unethical as hell. I realize the dealership makes a premium when it's able to extend credit but at the cost of the goodwill of a customer it isn't worth it.
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