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1.6 Based on 15 reviews
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  • Customers like
    • Rate 1
    • Computer based application 1
    • Ease of application 1
  • Customers don't like
    • Horrible customer service 5
    • No customer service at all 5
    • Lack of communication 4
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Don't waste your time or the hard inquiry on your credit. I was trying to refinance a loan on my boat for a lower rate. I have never had a late payment on anything but in my life. Tried calling the person that was assigned my application twice before I received the denial, never bothered to call me back. Tried to find out why I was denied never received a letter or call. I believe that is required. Terrible customer service don't waste... Read more

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2 - WOW's. The 1st WOW is for reading these current reviews and thinking I was going to be the only one. The second WOW being how I see many of the names that I dealt with during my proceedings over the last two months and how these folks are still around at Essex. That tells me their managers don't believe they are that bad or they don't read reviews (or both). Funny their business ratings are lower than their interest rates! BOOM. That was... Read more

Was this review helpful? 3 0

This company is an absolute joke, if you want to be hassled,delayed, never hear from them on your financing them they are the company for you!!! Linda Ramirez is the slouch I dealt with like many others in fact I ask myself how can she still be with the company even and how can they even be in business??? I applied for a boat loan of $25000 on a $45000 boat which means I had $20000 down payment and a credit score of 790 with a debt to income of... Read more

Was this review helpful? 4 0

We are the sellers in an Escrow Transaction that has now gone over 75 days! Essex continues to stall with the funding. We continue to get last minute stalls and last minute requests from Essex. Like last week, the night before closing/funding, we're told to get ANOTHER Termite report from Orkin. We had the property tented back at the end of October 2014. It went into Escrow mid April. Essex had our Termite report in April. They waited... Read more

Was this review helpful? 2 0

Another Linda Ramirez victim here. Applied online, was approved in 24 hours - then the fun began. No response to voicemails or emails - the only way to get through to her is via a customer service representative. Her excuse - "We're swamped with applications - you'll get your loan documents next week." "Next week" has come and gone - no documents. Is she the only one processing loans for this company? Dealer is losing patience - wants me... Read more

Was this review helpful? 3 0

Applied for a loan through Costco. I keep a good eye on my credit score so I knew I met the requirements. I was told I would hear back within two business days. A week later I emailed asking for a status update. Jim Pena in the San Ramon office emailed back that my credit rating wasn't high enough. I let him know that wasn't mine and what mine actually is. His response was the same email, but even more terse, with the subject clearly being... Read more

Was this review helpful? 2 0

I found Essex Credit through Costco - Essex Credit advetises low refinancing for boats. I wanted to lower my monthly payment. I am not upside down on my loan. After they take a hard look at your credit, causing your credit to drop, they say they'll do the loan ONLY if you pay a HUGE down payment and pay "at least" a $500 appication fee. Because of the credit rating drop, you're stuck on applying for new loans. Go with a loan company that is... Read more

Was this review helpful? 3 0

I wish I would have read the reviews prior to attempting a boat loan with Essex. Like the others below I spoke with a sales rep via phone prior to actually submitting as I wanted to make sure they could meet the terms I was looking for. This was after leaving numerous emails and phone messages for Linda Rameriz. They assured me they could provide me the terms on the boat I was looking at, I have a credit score right around 800. After... Read more

Was this review helpful? 3 0

Going through the process right now for a boat loan. Have already paid over $300 for the inspection, and cannot get a hold of our loan officer Linda Ramirez. She won't return phone calls or emails. Tomorrow we will speak to her supervisor to see if that gets us anywhere. I've never experienced such horrible customer service in my life! Add comment

I was approved for my $250K RV loan very quickly, but I can't get my rep to return my calls. Day after day, I try to reach Linda Ramirez and always get her answer machine. I leave messages for her (their office is in San Ramon, California), but after 1 week, I still have not received a call back. In frustration, I called the main opertor and refused to hang up until she was put on the line. I worked, and she was very nice, but after we... Read more

Was this review helpful? 2 0
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