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We came in clear about our needs: $9K+ for our trade-in, $4K down, and $500–$600 monthly payments. They initially lowballed us, quoted payments starting at $700+, and only after threatening to walk did they offer $9,184 for the trade-in. Despite promises of a 5.99% interest rate, they finalized our loan at 6.74% without informing us. Only after I pushed repeatedly did they fix it with another lender at 5.99%.
Post-sale support was nonexistent. We received no account info, loan documents, or payment instructions after signing. I had to chase down Unify Financial myself—twice—to set up the loan and ensure we could make our first payment on time.
Our traded-in vehicle is now listed for $15K–$18K — nearly double what they gave us. Communication was poor, critical promises were broken, and leadership never returned multiple voicemails.
The only positives about our experience at Chapman were Rico Canales, and the fact that the car is very nice.
If you value transparency, organization, and professionalism, I strongly recommend looking elsewhere. We will not be returning to Chapman Dodge.