Essex Credit Complaints and Reviews

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Essex Credit
Main address: 12677 Alcosta Boulevard, Suite 200 94583 San Ramon CA
1-866-ESSEX-4U (866-377-3948), 866-ESSEX-FX (866-377-3939),
  • 27+1 mobile complaints
  • $120K claimed losses
  • $4.2K average
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  • Jul 02
  • Loans and Mortgages
  • Phoenix, Arizona
  • Loan
  • 4

I was preapproved - had a private seller. Weeks later the deal is still in process and the seller is losing all patience. They'll probably get the deal done eventually, but barely communicate, and definitely don't live up to their claim of 5-7 days. 'The check is in the mail'. Yeah they have more favorable terms that 'the bank' for boats/RV's but you pay the price. My recommendation is if you... Read more

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Same here. Its been over 3 weeks now and no boat for this 4th July weekend. Add comment

  • Jul 02
  • Loans and Mortgages
  • Jacksonville, Florida
  • Boat
  • 20

The worst experience ever trying to finance a deal. I called when putting in my application they said up to 5 days. We had up to 16 days before the boat was to be delivered and the holiday weekend. So we proceeded. They requested documentation and I was out of town. I asked to email it instead they said I could not (this response took 3 days). I called my accountant had the paperwork sent to me... Read more

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  • Jun 25
  • Finances
  • Washburn, Missouri
  • Rv Refinance
  • 22

First let me say I don't like to send complaints but this company is by far the worst to deal with. Nika Garan was also my contact and I am amazed at how long it takes to receive a return call. I was told that we were declined for refinance - not due to our credit or total debt- but because of the amount we owed was greater than what they valued our coach at. Once I told her we could pay the... Read more

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  • May 30
  • Dealers
  • Itasca, Illinois
  • Boat
  • 47

Unlike other reveiws on this site, my experience was great. Essex had best rates for my 2009 Intrepid Walkaround purchase ($150K). They informed me up front how they value boats and I therefore, used this same service during my search to ensure I got best price and could get financing. This was first time I did not finance at brick and mortar bank. I was very pleased with communication - she... Read more

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  • Mar 28
  • Loans and Mortgages
  • Loan Representative
  • 72

My loan rep, Neika Garan, was simply horrible. She was very slow to respond to emails, and then never really addressed my questions. I asked for a preapproval, which seemed to require too much thought for her to comprehend exactly how that works. I think she is just trying to to avoid having to make contact with people. We ended up going with another company with fantastic terms and were... Read more

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  • Feb 04
  • Loans and Mortgages
  • Arlington Heights, Illinois
  • Boat Loan
  • 226

I purchased a used boat from a small marina and was getting what I felt was a pretty good deal. The interest rate was a little high so I thought I would check around. I did an internet search and found Essex credit and worked my waf over to their rate table which looked very attractive to what was out there. I applied and got an almost immediate response that I was approved. Great! Wrong! ... Read more

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  • Dec 18, 2013
  • Loans and Mortgages
  • San Diego, California
  • Boat Loan
  • 281

I had submitted all of the requested documents for my boat loan and was wondering why my phone calls and emails to my lender at Essex were not being returned so I did a Internet search for Essex Credit reviews and came across this web site. I was shocked to see all of the bad press they were getting so I called their general number and reported what I saw to the person who answered. Needless to... Read more

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  • Sep 15, 2013
  • Loans and Mortgages
  • Credit Ratings
  • 274

Terrible experience with this company - I ended up backing out of the deal. Let me explain. I have immaculate credit ratings and owe almost nothing except on my house mortgage. I found a great opportunity on a boat which needed some work but which I could purchase for 50% of its surveyed value - so to put that in perspective, I bought a $65,000 boat which needed an estimated (by a boatyard)... Read more

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  • Aug 22, 2013
  • Loans and Mortgages
  • Kansas City, Missouri
  • Application Information
  • 166

Submitted my application seven days ago. I keep getting a request for the same information as well as an email from the same guy saying he will be out of the office till July29th. THIS IS AUGUST 21ST!!!!!! I spoke with him on the phone the Monday after the Friday it was sent and he stated he had received it. These guys are a joke. I have saved the seven emails I have received saying they will... Read more

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