Stay away from this company. They are nothing but liars. I was searching from an auto loan on the internet. I received an email from NLS Financial saying I was approved for an auto loan with no money down. I didn't think much of it, but then I got a call. They told me I was approved for 26, 000 dollars. I was skeptical and kept asking if this was a pre-approval. They said no, they were a bank and not a dealer ship. I agreed to meet with the loan officer that was an hour and half away from where I lived. I am from Maryland and they required me to drive to Virginia. The loan officer Karen Fox then called me back to answer any questions I had. I asked again if this was an actual loan, or a pre-approval. Again the answer was they were a bank, not a dealer ship. I asked what the interest rate was. Karen said it depended on the car I picked. Red flags were raised. I decided to fight the traffic anyway because my curiosity was raised.

I was given the address and the very next morning we were on our way. First off, where do you think we pulled up too? You guested it, a dealer ship (Kia of Manasa.) Right there I was about to walk away, but we had drove all this way, might as well see it through, right? My appointment was at 9 but due to traffic we were arrived at 9:40. We walked in and I asked for Karen Fox who said she was meeting me there. The salesman said she hadn't gotten there yet, but she was on her way. He never asked when my appointment was. So she was 40 minutes late too? Hello...RED FLAG! We sat down and he said he just need my info for the bank to verify. As we waited, he offered us to go look around at the cars. Ok, there were like 15 cars on the lot with most being Kia rios, not my cup of tea with cars. We came back in and sat and waited another 20 minutes. In that time, I called asking to speak with Karen Fox. I was told she was probably on her way and was stuck in traffic. It was not near 10:30. I was told to ask for Matt Riely and he was always there.

After that, the salesman came back with 2 papers. Both had different amounts from another bank saying they would approve me for 12, 500 with 3000 down. I blew up. I wanted to get up and walk right then and there. The salesman asked to sit back down and inquired why I was so upset. I explained the "bank" had lied saying I was approved already and none of this was explained or the agreement. I then went on to say there were a couple of things on my credit report the bank couldn't have known about. Ummm, how did I get an approval then? Answer: I never did. I drove an hour and a half for nothing. I could have gotten that offer 5 minutes down my street in Maryland. When I told him I did not have the 3000 dollars to put down, he pushed about a cosigner or setting up to defer the down payment. I had had enough. I got up and left.

Karen Fox never showed, nor called. I never saw a Matt Reily. This was the biggest scam ever. I even explained to Karen the only reason I asked so many question was because I would be coming a long way. Please do not deal with these people. It will be a waste of time.