BW
Brad Williams
2 days ago
Predatory financing tactics and hidden fees—Beware!
*I had a terrible experience with the sales desk at Shottenkirk Toyota of Granbury while trying to purchase a pre-owned 2026 Camry XSE. We verbally agreed on a vehicle price of $36,000, but when they brought out the paperwork, they had secretly bumped the numbers back up. *
Worse, they actively refused to show me the APR (Interest Rate) on the payment sheet. When I ran the mathematical calculations myself on the payments they were quoting, I discovered they were quietly trying to pack the loan with a hidden interest rate of nearly 10% APR—well above market prime rates for a Tier-1 buyer. To make matters more dishonest, they itemized a "1% Sales Commission" fee of $367.50 onto the purchase contract, literally forcing the customer to pay the salesperson's internal salary as an extra fee.
As a veteran, I find these deceptive "payment packing" games and hidden line-item fees incredibly disrespectful and predatory. I walked out of the deal. If you value transparency, honest math, and your time, steer completely clear of this dealership.
We had a terrible experience with this dealership. They listed a 2026 Toyota 4 Runner for $59,932. It is still listed for that price. We left to make a 3 hour drive to buy the vehicle. On our way to the dealership they called and told us that they had sold it. They knew we were on our way and sold it out from under us. Then they told us that they could give us an identical vehicle for an additional $7,000. We went back and forth with the sales department for 2 hours and made no headway. They kept repeating that this is a popular vehicle and asking what it would take to get our business. We kept telling them that they needed to honor the advertised price. We assured them that we would find a dealership that was more honest with more integrity. It took us only minutes to buy one from Dallas Toyota without the hassle of dealing with these bait and switchers. They had no problem lying repeatedly to us.
Our salesperson, Jenny was the bright spot in the experience. She was energetic, knowledgeable, engaged and I trusted her. She would be 5 stars.
From there, however, there were an added $5k in additions that we didn't ask for or could we remove on top of the advertised "List" price. It had a definite bait and switch feel that lured us into an hour drive.
After walking away from the car on Friday, the price dropped online to where we knew the fair all in price should be, so we agreed to purchase.
Once we had that deal, the real games began. The high pressure sales tactics of the finance room were textbook backroom used car tactics. Let’s start with the warranty… some of the most relentless, high pressure tactics I’ve experienced in a while… promising things that were covered in the warranty that were nowhere in the written materials.
Then they tried to put me in a nearly 10%APR loan with an 800 credit score, and the price was contingent on me financing with them (which I had agreed to when we were still operating on assuming integrity). They eventually came off almost 3 points, but still a full point higher than my credit union’s offer. They would also only go through their one bank, not even trying any others… it was take it or leave it.
In the end, I do love the car and this review should have no reflection on our salesperson, Jenny. She was fantastic.
My recommendation for anyone else that would find themselves considering a purchase from this dealership is: do your homework first, know your numbers, go in ready for battle or you will be taken advantage of.
Buyer beware.
Beware!! We drove the 90 minutes instead of going to our local Toyota dealer because we were there for a particular used vehicle. Of course, they wanted to talk us into a new one, which they did, but then pulled some weird switch on us. We put several thousand down on a vehicle that was going to be delivered "soon," although they couldn't give a specific date. That's disappointing, but it happens. We signed all paperwork and were given the spec sheet, including the VIN. I then added the vehicle to our insurance once we were told the date it would be in. When we arrived to pick it up, I presented the POI and was told it was weird that I was able to insure it without the VIN. I told them I had it and the response was "that's a temporary number, not the actual." I should've demanded our down payment back as
immediately as I knew this wasn't true. We were then required to re-do all paperwork for the "permanent VIN" (because it was obviously a different car). The trim package was not the same as the car we had agreed to purchase, but it wasn't a big deal to my daughter and she really needed the car as we had already waited longer than anticipated. So, we signed and drove away, only to get a third set of docs in the mail a week or so later. "Good news," the price was actually lower and so was the payment, so you need to sign all of the agreements AGAIN. Gee, this couldn't possibly be because it was NOT THE SAME CAR, could it? Total unbelievable BS, but like I said, she needed the car. If it had been a car for myself, I would have NEVER allowed this sort of monkey business to go on.
GB
Garfield Bloomfield
Oct 4, 2026
⭐⭐⭐⭐⭐
I had an outstanding experience working with Branson at Shottenkirk Toyota Granbury. From start to finish, he was professional, knowledgeable, and genuinely committed to helping me find the right truck. He made the entire process smooth, stress-free, and enjoyable.
Branson took the time to answer all my questions, kept me informed every step of the way, and went above and beyond to make sure I got exactly what I was looking for. His honesty, attention to detail, and excellent customer service truly set him apart.
If you're looking for a new truck and want to work with someone who genuinely cares about his customers, I highly recommend Branson at Shottenkirk Toyota Granbury. He did an amazing job and absolutely deserves 5 stars!
⭐️⭐️⭐️⭐️⭐️ Highly recommended!