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We have our vehicle financed by TW. They are a sub prime lender.

If you are one day late, you receive emails and phone calls regarding the payment. The company is small and would recommend not using them. When obtaining a loan they get involved in other areas of your life, such as your house mortgage, asking if the payments on time and proceed to give you a lecture on how important timely payments are. I have told them I have parents and dont need to be lecture on this topic.

I could on but what is the point!

I got so fed up with, I returned to the car to them, so they can choke on it. the interest rates are high, so I would recommend seeking out other lenders if you find yourself looking for a sub-prime auto lender

Location: Los Angeles, California

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Guest

TW is not that bad of a company. Of course they are a sub prime lender with higher interest rates typically lending to people with bad or no credit.

I've always made my payment on time and have never had a problem with them or getting phone calls. I think that most people fail to realize that with them being a sub prime lender they take a lot of risks lending to people that typically can't get a loan elsewhere, and just want to make sure that they are going to get their money that's owed to them. I see no problem with that.

People needed to quit blaming the company for their financial problems instead of taking responsibility for your own actions and your own finances. Don't enter into an agreement with a lender if you're not financially stable enough to do so.

Guest
reply icon Replying to comment of Guest-676235

I agree, if you pay your car note on time every month, which I do (taken right out of my account) they do not bother you. I am anxious to pay it off and get out from under this high interest rate, should be done next month and very excited about that! They helped me when I needed it most, now my credit is straight and I will be good to go.

Guest
reply icon Replying to comment of Guest-707913

what kind of interest rate do they charge??

Guest

We have had Tidewater for a year. They definitely are on you if you are even one day late, but in general we have had a good experience.

Most of the people are kind. The only complaint I have is that we got behind because of our move and have been trying to catch up. I told them we would probably get caught up next month and they asked me if I was getting the money from my parents or my husband's work. I told them it was none of her business.

She told me it was, and we went back and forth with me telling her than they need to remember they are a finance company not my keeper.

In general, if you need subprime they are a relatively good company. I've definitely dealt with worse companies!

Guest
reply icon Replying to comment of Guest-440080

TW is ok I guess but what I have found is IF you send your payment in early they post right away but if you are one day late they seem to hold it for almost twelve days and call and ask where payment is when you state you sent it out they want day time and check number and then ask you to make a payment over the phone and they will hold check when it comes in when I said NO and if this continues I will file a complaint with BBB it's the oddest thing my payment comes out of my account that very night. Got a call just today telling me I was 50 days late when current payment was made on the 15th

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