JJ BEST BANC - Waste of time with out excellent credit.
Don't be fooled by the ads, "good credit"? you will need a score well above 700 and little if any activity that is deemed negative to gain approval from this lender.
Maybe they've been burned too many times by "car auction dreamer guy" who can't keep up the payments on that big block Chevelle after all?
I would think most people who need to borrow the money to buy a collector/hobby car have no problem with an extra 1 or even 2 points on the rate, but no one likes to be made to feel like a bad guy.
Moral to the story?
"Good credit" need not apply here. Take your business elsewhere.
Reason of review: Not as described/ advertised.
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J.J. Best Banc & Co.
is not a traditional automotive lender but a collector car lender.
Approving a loan on a specialty collectible vehicle is not solely based on a credit score. A credit score is not the only factor we use to determine good or bad credit or approve an applicant, it is based on many factors.
I have a 646 score and I was approved.
Good credit is indeed 700+. Anything less is just average.
Depending on whom you ask, I have a score between 670-715. I had 10% down, was flatly declined.
695 and turned down because my credit limits were to high. So if you have high limits with a $0 balance don't apply.