Wife was tired of her old car and wanted something different, so we spent a Saturday looking at different car lots. Made the mistake of thinking JD Byrider was just another lot (never heard of it or it's horrible reputation) and stopped in. Right off the bat without even looking at any cars, we were ushered into an office and was asked who the car was for, who'd be on the loan, etc., basically going through the application process without even knowing if there was a car there we'd be interested in. Then we were sat in the loan officer's office where he started to sell us the "program". About 2 minutes of this smug clown's down-talking us, as if we were career criminals with no other alternative than to take it up the a*s from him, was enough to realize what the scam was. As we left, I suggested to my wife that we should probably get the paperwork with our info back from them but she just wanted to get out of there. Turns out I was right- the scumbags did a hard pull on our credit anyway, even though we never even looked at a vehicle let alone thought about purchasing one from them.
Thankfully, we weren't in a dire situation and so were able to see the scam easily through rational eyes. Unfortunately, after reading through these reports, we are among the few. My only reason for bothering to write this is for that person who is smart enough to do a google search before walking through those doors- DON'T DO IT. It's most definitely a scam. There are a lot of legitimate ways to raise your credit score without having to resort to being bent over by JD Byrider. And if you look at the terms of their "program", you'll see that buying from them will more than likely cripple your credit further as they saddle you with an enormous bi-monthly payment for a piece of crap that you'll be spending all available cash on to keep running. Miss 1 payment by 1 day and you'll have a repossession on your credit history as well.
Robert, Coast, Ken, etc...all you clowns who religiously defend JD Byrider in every report posted while claiming you aren't affiliated- don't bother. The affiliation is quite apparent by the fact that you have to respond to every report telling the victim they got what they deserved for having bad credit.