Sarah Edwards | May 18, 2023
Edited by Hannah Locklear
Summary: Bridgecrest provides consumer auto loans for various used car dealerships, including Drivetime and Carvana. People with a Bridgecrest account can set their it up for autopay or log in through the company’s website or app to pay their bills. SoloSuit explains how a Bridgecrest loan works.
If you’ve recently purchased a used car from Carvana, Drivetime, or another dealership, you may have a Bridgecrest loan. Bridgecrest offers high-interest auto loans to people with poor credit. They partner with dealerships nationwide, which connect customers with Bridgetime when they don’t have financing from another lender.
Staying on top of your Bridgecrest payments is critical to avoid late fees, extra interest charges, and vehicle repossession. You can make payments through the company’s website by logging into your account. The company also has a payment app you can download through the Apple or Google Play store.
Sued for a Bridgcrest loan debt? Settle the debt for good with SoloSettle, powered by SoloSuit.
If you’ve forgotten your Bridgecrest login information, you must contact the company immediately. Bridgecrest offers two ways to communicate directly with customer service agents. You can text agents at 602-223-1449 or call the company directly at 800-967-8526.
If you’re a new Bridgecrest customer, you can create a new account through the Bridgecrest website. You’ll likely need to have some information available, such as your car’s make and model and VIN.
People who miss payment due dates will incur late fees and extra interest charges. If you don’t get caught up, Bridgecrest may repossess your vehicle.
When you first bought your car, you probably didn’t care much about who the lender was or their interest rates; you were simply happy to have transportation to get to work and handle your responsibilities. Unfortunately, predatory lenders take advantage of people in need, and you may find you pay much more for your car than it’s worth.
Before you take on any loan, it’s a good idea to learn more about the company and other customers’ experiences with it. The Better Business Bureau (BBB) should be the first site you check.
According to the BBB, Bridgecrest is an accredited business with an A+ rating. However, customers express dissatisfaction with several of Bridgecrest’s practices. As of April 26, 2023, 1,608 people had filed complaints against Bridgecrest.
One complaint is from a customer who purchased a car and made payments for five years. Today, the car’s value is only $2K, despite having an $8K remaining loan balance. The consumer tried renegotiating the loan balance with Bridgecrest, but the company refused.
Other customers complain of problems obtaining titles on their vehicles after payoff. One client found a better loan through a credit union and paid off the vehicle’s balance. However, Bridgecrest held onto the title and nearly caused the customer’s new loan to default because the new lienholder didn’t have the title.
Are you facing a Bridgecrest auto debt lawsuit? File your Answer with SoloSuit’s Debt Answer template.
To avoid high-interest auto loans from companies like Bridgecrest, it’s best to obtain financing from a reputable company before you go to the dealership. When you already have approved funding, you don’t have to worry about getting stuck with an expensive deal you can’t afford to repay.
If you have a good relationship with your bank or credit union, try obtaining a loan from them. Usually, they’ll offer decent interest rates if you have good credit and no history of defaulting on prior loans.
Setting up your financing early, before you get to a dealership’s sales floor, allows you to make clearheaded decisions about your loan without the pressure of a salesperson or a new car on your mind.
Let’s consider an example.
Example: Todd’s trusty 1995 Toyota Corolla recently took its last gasp before heading to car heaven. Now, Todd needs a new car to get to work. He has a few hundred dollars for a down payment and wants a low-interest loan. Todd’s a member of a credit union that offers auto loans with starting rates of 3.9%. He decides to apply for the loan, and he’s approved. Todd takes a copy of his loan approval to his local Toyota dealership, where he buys a new Corolla. He’ll pay $350 monthly in loan payments, which is within his budget.
When you need a car quickly, it can be tempting to accept a loan from a creditor like Bridgecrest that will charge you high interest. However, it’s best to avoid predatory loans and look for alternatives. That way, you don’t need to worry about paying much more for a vehicle than it is actually worth.
Don’t let Bridgecrest win a debt lawsuit against you. Settle the debt with SoloSettle! Check out this video to learn more about how to settle your debts with Bridgecrest:
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