Concierge Financial Services

I'm very pleased that you guys helped me save money,also the communication with your staff was great

Michael*** was very professional and stayed with me through my entrie refinance as he was able to lower my interest rate on my care by over 4%Kudo's to this man for great service

Great experience and Tara was awesome to work with! I highly recommend it for those looking to refinance!!

I have Concierge Financial Services for a refinance of my car loanI was put in touch
with Mike *** he was great to work with he took the time to fully explain the
whole processHe couldn't had been any easier to work with .He was able to lower my interest rate buy 1.5%I would recommend Concierge for there services

I worked with Concierge on refinancing my *** *** to a lower rate, and am very satisfied! I was able to drop my rate down from $per month, to $240, without putting any additional money down, etc What I DID buy, was a GAP insurance plan, to further protect my investment (which they offered) I was able to roll this payment into my new financing, and now I pay $monthly Concierge works with *** *** *** in Michigan, where I live(who I've heard of previously) My interest rate dropped from 11% to 1.99% Michael *** was the Rep who handled my inquiries He was always very prompt at returning my calls, or contacting me ASAP if something additional was needed, etc For anyone who's on a *** *** *** loan, I highly recommend you give them a call and see what they can do for you I've still got more months on the full term of my loan So in essence they saved me about $for simply giving them a call, and filling out some paperwork! Nice!

First I was a little skeptical about the offer I received in the mail from Concierge, but my credit is average and Santander had me hostage at a 22%APRSo I thought I'd give Concierge a tryImmediately after calling them, Joey *** was the person who helped me and he was incredibly helpful explaining the process and the details of refinancingShortly after I submitted all my information I had a follow up with Jenn *** and she was also outstandingMy review might be a little biased since I'm now savings lots of money every month and I'm beyond happyUntil the process was completed I was still concerned this was all a scam,but I was also hopeful things would work outAnd now I don't know how to thank these guys for saving me money that I can now put towards my educationI'd buy them lunch and drinks if they were from Massachusetts too! haha
Joey and Jenn..you might not understand how important your work is for people who work so hard to pay their bills and keep food on the tableOpposed to banks like Santander that will take advantage of people who are credit challengedThis offer could have not arrived in a better timeThank you guys! keep up the good work!!

Great experience and pam was awesome to work with! I highly recommend it for those looking to refinance!!

My overall experienced with concierge financial services is so grateful.

DO NOT HAVE A STUDENT LOAN DEBT with GOOD credit!!! you will get DENIED!!! Educate your counselors MORE. I am trying to buy a HOME and figured the invitation would be a great way to reduce debt. I HAVE TWO NEW HARD INQUIRIES!!! I would never recommend this company!!!

just want to express my thanks to the company, for such a great job they have done. very speedy and efficient in all manors of the process. for excellent service ask for tara.

My husband and I worked with Anthony at Concierge and we were very pleased with everything. He kept us informed of progress or things needed. Our loan went through very quickly. He is very pleasant and we truly enjoyed working with him. I would highly recommend this company. They saved us money monthly and lowered our interest!!!!!

I would like to thank Michael [redacted] for his outstanding assistance in refinancing my auto loan. I was hesitant in refinancing because it was to good to be true, but he provided all resources to follow up with to ensure I was comfortable. Gave me the time to decide. The bank is local very satisfied would really recommend there services.

I am very happy with Michael [redacted] services regarding my recent auto refinance.

I received a letter in the mail about refinancing my auto. I called and spoke with John King who walked me throught the entire process. It's funny becasue each time I called he would see that it was me and will be calling me on the other line. I felt as if we were related I called him so much. He was so helpful, polite, courteous, understandable and knowleable. John [redacted] returned my calls and emails promptly and advised me of what to expect next. Thank you John for being who you are.

I have had a quite pleasant experience w/Concierge. Very satisfied I am. Mr. [redacted] was great. Above and beyond customer service. Would definitely recommend this company & him in particular. Absolutely.

Mr. [redacted],I do apologize for the untimely delay. You are correct in saying that the original correspondence stated 6-8 weeks for cancellation checks. CFS has had some personnel changes over the last 30 days, and quite frankly, your paperwork got caught up in those internal office changes. Your...

refund check will be cut immediately to your lienholder. I do apologize, once again, for the delay.Thomas [redacted]Pres/CEO

Concierge Financial Services was very professional and able to cut my Interest rate on my car loan by %50. Tara E[redacted] did an outstanding job in communicating what was needed from me to complete the process and the loan went through in a very timely fasion.

Michael [redacted] is an excellent advisor it was a great pleasure doing business with him

I had a very positive experience with Julian handling all necessary documents in a timely matter, as well as saving me a lot of interest from my previous loan. Julian is a true asset to your company. thanks

While many of our customers have had lower scores in the past, which precipitated their higher interest rates, the majority of CFS's RRAP ™ loans are to borrowers in the 620-680 FICO score range at the time of application. The savings CFS and our credit union...

partners are able to offer are significant (in some cases, CFS is seeing a 10-20% reduction in rate) And most importantly, we will be looking at already performing loans to prospective customers "on the way up". Just as stated, this was a PRE-Approval offer based on credit criteria met. There are 2 other major factors that are very important in the final underwriting process which is conveyed to the customer at the time of application. First, Loan To Value (LTV). We do not know what kind of vehicle the customer has, therefore do not know how much it is worth. For example, the customers vehicle value was $21,000.00, but she owed over $26,000.00. Primarily because of the high interest rate she was being charged. Second, is provable income. In this case, this is not the reason the customer was declined for the loan. Essentially, she was not even declined. The loan was a conditional approval for the $21,000.00. As stated in the following texts, the customer was given her options. As a matter of fact, the customer came up with an alternative option, all on her own, to try to come up with the $5,000.00 of negative equity to put the loan together.
At the time of application, Concierge has an initial questionnaire that the prospective customer has to answer. We also get all of the information on the vehicle, i.e. year, make, model, vin #, miles, etc... This is called "booking out the car". We then, at that time, know the value of the vehicle and how much is still owed on that vehicle. When there is a huge disparity between the two, we ask the customer if money down is an option.
Concierge takes all of the precautions in the world to advance loans to every potential customer.
Text Sent 8/21/2015 9:19 am
Heather,
      PLease call me when you have a moment. I know know its early but I want to go over a few things with you.
Joey   800-677-0039  x-102
Concierge Financial Services
 
Text Received 8/21/2015 10:18 am
Just out of curiosity, is it possible to use the title of my motorcycle as equity. For example, refi that in with the truck?