What if I can't pay my car loan? The most important thing you can do for yourself is to make your payment on time and in full. In the unlikely event you will be late for a scheduled payment; it is extremely important that YOU contact your Lucky's Auto Credit office and let us know BEFORE the payment is due. You can call, email or stop in. We do understand that people sometimes experience financial setbacks. It is your loan. It is up to you to keep the lines of communication open so we can help you succeed! they do not care about your financial struggles. They wont defer payments. They want a letter from your employer saying you could not work your overtime. They will call and not leave messages and then say they have called a lot. They will then aske for current address where vehicle is located. The cost of the car is overpriced by 3x and the finance interest rate is absurd. 60k for a car that is not worth 1500.00 is wrong. and if you want to be bent over and violated then by all means purchase a car from them. read more

Worst purchase I have ever made. I was desperate and bought my first vehicle here, and almost three years later I'm left with nothing but regret, frustration, and a car that barely works. They claim to do a 21-point inspection, but when I drove off the lot the AC didn't work, there was no air filter, and the car had serious electrical issues. Because I bought it in December, I didn't discover some of these problems until it was too late to get anything covered. On top of that, they don't report to credit bureaus as an auto loan. That means when you go to buy your next car, it won't show up as vehicle history, just a high-interest loan you paid off. The salesperson also told me it had a clean title, which surprise surprise turned out to be false. They target low-income buyers, people with bad credit, and those who may not be well-versed in cars. I've gone in multiple times, emailed, and called to try and get help, but I've never received a response from anyone in leadership. This place is predatory, their business practices are shady at best. Negative 5 stars!! read more

Nothing you can improve because they won't do it. I bought my ford f-150 platinum with a trade in. I took it to a dealership to look at it to see if I got a great deal. No, I didn't. I purchased it for $22,000 with a $7,500 down which it went down to $17,000. This vehicle is worth $12,000 on the lot. They don't have a car fax report. A dealership found the car fax and said it had multiple accidents. They did a test drive and said something about my transmission. I took it to my mechanic and they said it would be $6,000 to replace. I told that to titanium and they said to bring it to their shop and charge my loan which you will be paying more. Don't go there. They are ripping people off with bad credit. read more

Oh heck no. I had an old coworker that bought a car from them. Always in the shop and if you don't make the payment on time they turn off your car. I used to make fun of the poor guy. They take advantage of desperate people read more

Totally ripped off my 18 year old daughter that bought a car from lucky auto without my knowledge and the car, financing and business practices were a total rip off!!! read more

Not answering phone as well as hanging up phone and not answering questions had an agreement and signed papers left with vehicle and now they are taking it back because of a loan in no way shape or form a part of this loan. read more

Another complaint!! took my car in to get it fixed and they returned it to me still broken!!! With the same issues and refused to work on it bc they said it wasnt broken enough!!! I'm paying off $14,500 for a car that is broken! And I just brought it! DO NOT BUY A CAR HERE!!!! It's a SCAAAAAAMMMMM!!! read more

I would recommend never going to Lucky's Auto Credit they sold me a lemon the motor blew up 20 days later they are the worst place to go they sold me a Dodge Grand Caravan Crew van worst mistake that I have ever made I hate this place read more

If i could give this place 0 stars I would. PLEASE DO NOT BUY A CAR FROM THESE GUYS no matter how great they sound and come off to you DONT DO IT. I am a first car buyer and what they sold me and what I qualified for sound so beautiful and so good. Well 5 months of haveing this car I've been haveing to go to these guys 2 times a month to get something done on my car. These guys are doing everything against the law but sound professional to jump around it and be under your nose before you sniff it out. They over price you for everything but better yet. I'm paying 8 times the amount for my car than what it's really worth but have something stupid to say about "why" which makes no sense everytime. I pay out of pocket for my car to get "done" when they are not actually working on it and deleting the icons off the car and tuning things down or up to make it seem like my car is fixed when they aren't fixing it. DO NOT GO THROUGH LUCKYS! PLEASE DO NOT! save everything they give you such as recipes etc. They will WILL SCREW you and they don't care. My car has been in accidents that i didn't cause and my insurence for that vin of the car specifically is UP THE WALL! My payments are 330 bi weekly when I could go get a nicer brand new car for less than that a month which a month I spend 660 a month. If luckys you delete this post at any time, you know I'm telling the truth and are just hiding it so you can SCREW more people. I can't go to the dealership of the brand of my car cause luckys has to accept what needs to be done. Makes sense doesn't it? No! These guys have over charged for parts by 3x the amount to fix and just have the part. So I want to help other, DO NOT GO THROUGH LUCKYS OF ANY COUNTY IN THE STATE OF UT! DONT DO IT! ​ read more

i do not recommend getting your car here!!! i got ripped off!! i gave them my original car as a trade in & it was still working well and they only gave me $800 for my car then i bought a car from them for a little over $14,500 that quickly broke on me! it has a bad engine and many other car issues that i was fully unaware of. my father in law showed me the bluebook and apparently the car i bought was sold to the dealership for $4000 with numerous problems. my car wasnt even detailed and had a lot of dog fur and a bad scent. i was so naive and desperate for a newer car that they took advantage of me. brian was my dealer and absolutely no help when i told him of my concerns. now im paying off a car debt for a broken car. do not get your car here it is a scaaaaammmm!!!‼ read more

I'm paying them for two cars. The first one I was almost done paying off when a woman ran a stop sign and hit my car. because the insurance didn't pay what I owed they told me I could get a different car and pay both with one payment. I agreed and the second car didn't make it more than 3 months before the engine went out. They fixed it and gave it back, exactly one year later again, the engine goes out. this time they tell me it's my fault and I need to pay $6200 for repairs. I of course couldn't pay that so it sat for year until now. I paid the $6200 and they put a new engine in. One day after getting it back, I'm stranded on the highway. It completely broke down, this of course happened on a Saturday at 9pm. They are closed on the weekend. i hate this place so much. I wish I'd never gone there. read more

This is terrible car company that takes advantage of anyone who walks through their doors. -there is no return clause in their contract you sign -their interest rate is 24%+ per year -if you try to give the car back they will still take you to court and garnish your wages. I would avoid this place at all costs because they will rob you with their contract and harass you weekly if you fall behind on your payments. read more

They lie to people saying 77 cents gets you a car!! It's a lie!!!! Gabriel was nice tho. I just feel bad for him that he works for a lying company!!!! read more

don't buy from them, they got a car spent 500 getting a new alternator and battery then 780 to fix bearing and break pads ! smfh !!!!!! all within the first 6 months read more

Please please go somewhere else or at least save up the money and buy yourself a car upfront. They charge me every pay period, don't care if the vehicle breaks down and you can't use it you still have to make the payments. Y'all seen or read Matilda? Luckys Auto Credit is a dealership owned by Matildas dad. read more

Do not buy unless you finance through your bank and they check the VIN for a fair price. These guys sold me a car 10,000 more than it was worth so I couldn't refinance with my own bank. This is criminal and just plain wrong for someone who is trying to build and repair their credit and over all life. Also be aware that they want biweekly payments and if you miss one or have an emergency they do not care and will shut your car off. These guys need to be thoroughly investigated for robbing innocent people just trying to get their lives back together or started. Absolutely unethical and just plain WRONG! read more

I would avoid this place like the plague. So many other places to buy a car. They're very predatory.

Again, I'm leaving one star because in order to post a review I have to at least give it one star. Where do I start LOL. It took me 3 years to pay off my vehicle from them. In that 3 years MINUS MAINTENANCE SUCH AS NEW TIRES WINDSHIELD WIPERS OIL CHANGES ETC all in all I paid over $10,000 in repairs. Engine and electrical repairs. I paid my contract off in June of 2021, and just BARELY GOT MY TITLE. They STILL HAVE NOT REPORTED MY VEHICLE PAID OFF TO ANY CREDIT BUREAU WHATSOEVER. And it has been NINE MONTHS SINCE I PAID IT OFF. They're telling me I have to do that. If borderline predatory lending were a business, it would be named Lucky's Auto Credit. But if you have similar problems, count on being gas lit into believing it's your fault that they don't report it to the credit bureau and that it's your fault you have so many repairs on your vehicle cuz you " must be doing something wrong." Or some BS line of " our credit companies having severe technical issues." (But don't you dare call them out on it because they will treat you like crap even more.) Anytime I ever talked to anybody during the 3 years I was giving them their blood money, they were always rude, dismissive condescending and unprofessional. THANK GOD im done paying them ANY money and are rid of their stench forever. Two and a half out of the 3 years I spent paying them money for a POS car, my check engine light stayed on. Even after spending all that money, just one problem right after the other. So, if you like to be financially assaulted, mechanically bankrupted, gaslit, lied to, and if you likes spending lots of money on repairs by all means go buy a car from Lucky's Auto Credit. I'll walk first before I ever buy a car from them. read more

In my opinion this company deserves no stars at all they sold me a badge vehicle would not replace the tires the weather stripping on the doors was loose the brakes didn't work correctly they would not switch out the car for a good vehicle charged me a $100 extra claiming my did not have the vehicle insured and did not reimburse me I took it to their mechanic twice and every time it came out of their parking lot it had a new scratch I feel as if I was swindled and I would not recommend lucky's auto credit to anyone do yourself a favor and look somewhere else read more

Car didn't even last a full year and had/has many issues and flaws. Current vehicle is sitting in their shop with transmission being broken but automatic payments are still being taken out. Says they cover warrant only for 24 months or 24,000 miles which ever comes first... The car is broken and still getting payments taken out for, won't even be willing to do trade ins with out asking for more money money. With the car being mentioned it's broken down, they still want me to have insurance on it too and without the insurance they're charging an extra $40 on top of $186.00 biweekly payments Shittiest place ever. Doesn't even deserve one f*cking star Rude ass people and employees as well. read more

Even though I wasn't able to buy from them, I was impressed with their upfront and honest way of doing business. The cars were priced high, but everyone else's are too and with Lucky's they have a 2 year warranty which I have heard good things about. If I could have afforded the higher monthly payments I would have bought from them. The salesman- loan officer was honest, professional, and pleasant to work with. If my situation changes before I buy somewhere else then I definitely will go back to them. read more

One of the worst place you can deal with. They will don't work with and will double your payments and will shut your engine off no matter what. I have had no choice to give them everything I had. Left me with no food or money to pay my rent. Multiple times. The team sucks.... Very hurt and disappointed in this company read more

This place is a joke. My mother got an approval email from them. Tried calling the next day when they opened and they never answered their phones. Called for several hours. They advertise that $.77 and a job will get you into a vehicle upon approval. When we were able to speak to someone (at a completely different location) we were told that even with our approval because we live outside of Utah County that we would have to have at least $1,300 for a down payment. Nowhere in any of their ads or on their website does it specify that you have to live in Utah County and North. I do NOT recommend them to anyone!!! read more

They just opened one in Long Beach a few weeks ago. Brian is awesome! This establishment is awesome. I really drove off of the lot with a brand new car only paying 77 cents. Go to Long Beach and talk with Brian, he is amazing. read more

please go elsewhere to buy your vehicle if they're going to sell a vehicle I think they should've checked the vehicle properly before they put it on the lot to sell I bought a truck for $34,000 and the heater wasn't even working the door lock wasn't working and they told me it was my fault that I should've checked and see if the heater was working how the heck am I gonna know if the heater is not working and when I bought the vehicle in mid early summer who is dumb enough to turn the heater on when it's warm outside and now I have to pay for the service and the parts and to get this thing fixed I still haven't even got my vehicle is still in the shop almost a week. if I'm going to pay a truck for $34,000 it should lease have every working parts on the truck I could've easily bought a brand new somewhere else for that price read more

First? This is a garbage establishment. I'll tell you why. I have owned my Hyundai for 13 months, and have had NOTHING BUT mechanical issue after mechanical issue. I've called and spoken to a few people in the leasing department who pretty much acted like they were raised by criminals. No respect for anything. As a matter of fact, they thought the fact that my vehicle was constantly costing me money to repair, was hilarious. All on a recorded line. Of course, why would they care right? Thet sold me a trash vehicle in the beginning and full well knew it. Throughout the time I gave been paying them on time every time, and had a few run ins with their finance people who are also garbage human beings. Super disrespectful, pretentious and rude. Fast forward. Here we are a little over a year later, and I have spent a DOCUMENTED $6,000 in repairs, and as we speak my check engine light has come back on 67 miles into the latest repair of $470. Do you really need a car that bad that you will take a risk just to make repairs on it for the lifetime of the car? You're better off taking the bus. Garbage establishment run by garbage people. $77 dollars and a job will get you financially raped and a mechanical nightmare. Steer clear. I gave it a one star because I couldnt go lower. Too bad luckys auto did read more

What a piece of work they are. Caught these guys red handed not replacing the oil filter when they do an oil change. Completely refused to admit their mistake, and wouldn't cover the cost of getting the oil changed by my trusted mechanic. Do not ever buy a car from them, or trust them to do any work on your vehicle. Period. They will not protect your investment. They have lost a customer forever all to same themselves pennies, by cutting corners. read more

I was naive and desperate for a vehicle, but my credit was bad and I was having problems saving money to buy a car outright. Who can relate to this? Well incidentally my work had just given me a raise and I was working over time, which inflated my take home income oquite a bit, so when they worked out the financing and what I had to pay, they calculated my payments to be $200 per week. that's $800 per month. I don't know what I was thinking! Actually I was thinking I could pay it for a little while, then refinance when my credit was looking better. Meanwhile, they are shutting off the car mid week by remote because their auto pay is unreliable, it makes withdrawal attempts at weird hours and not on the agreed upon day. I thought it was the starter that went out, and when I tried talking to somebody at the dealership it took three days for them to get back in touch with me after both myself and my spouse had made several attempts to get somebody on the phone. I wish I had waited. I wish somebody would have told me about these scum bags. Well here's my two cents. Hope it helps somebody. read more

I Rocia came into Lucky's car auto at 12:30 pm. And are sale guy was Brian Williams. He did his best to get us a car and oh boy he did his job. I could not get the ride. My husband he got the ride. Lincoln Town car 2003. It is a beautiful car read more

Stay away from this dealership; PLEASE, you'll thank me later!!! I was faced with some difficult times and needed a vehicle to get me from point A to point B. I, unfortunately, came across an advertisement and "good reviews" regarding this place, (which I believe to be fake now). So, I decided to go in and do an application. The application process is easy and quicker than I thought possible. 30 minutes in and I was approved and was on to looking at cars. After test driving a few vehicles I found what I thought would be a good fit for me and my small family. Great! I signed the documents and I was on my way home. Day 2, the car started to accelerate and decelerate while running and driving on the freeway, so, it felt like it was galloping or jumping. Later that same afternoon, the vehicle was backing up very slow, as if the engine wasn't getting fuel, then while crossing an intersection the vehicle turned off. Luckily, I was able to get it started again before I was t-boned. Remember, this was the 2ND day of owning this vehicle. I immediately called the dealership and Austin the salesperson answered the phone. I let him know what's going on and his response was, "but you drove it yesterday and it was fine, and then the vehicle passed all safety and emissions requirements by the state." Again, I explained what the issues were and that the car was not in good condition to be driven or be sold. He then reminded me that I am ultimately responsible for the vehicle and loan. I replied with the following reaffirmation: You sold me an, "as is" vehicle with a warranty where I have to pay $100 each time it's seen by your technicians. All he said was, "yes". After a few calls and conversations with their financial team, sales manager and Austin, he told me via text that they would take care of me and fix the car and that I would have to bring it in. Day 3, the car is getting worse just trying to drive it to the dealership. It was shaking while on the road, the engine light came on and the panel said traction control turned off, "Service Traction Contron" & "service StabiliTrak". Day 5, I get a text the vehicle was fixed and ready to be picked up, and to my surprise they blame all of these issues on the o2 sensors. So, I picked it up and drove 20 miles home. As I was pulling up to my apartment the engine lights came back on! On day 9 (Today 5/12/2021), I took the car back to the dealer for repairs. I spoke to Austin and later with the financing company about the issues and how I was not even able to use the car for work like I was intending and that it would be nice or fair in my opinion that I didn't have to make the first payment since I haven't used the vehicle and have only driven it from the dealer to my apartment and back because of all the repairs. However, they told me that since I signed the contract I am responsible for the payment and they wouldn't work with me. What a rip-off! In Conclusion, this company will not take the vehicle back and cancel the transaction, even though it's not going through an actual bank. They will not exchange the vehicle for another in working condition, and they will not assume any wrongdoing, admit to false advertisement, or waive/skip a payment even though they're the ones that sold me a broken vehicle that was fixed just well enough to get off the lot. Ultimately, my only way out according to my attorney will be to file bankruptcy. Just the thing to help me with my already crappy credit situation! Thank you, Lucky's Auto Credit,! XOXO P.S. When I bought the vehicle, they told me that this vehicle was a clean title, however, at this point I have my doubts. read more

They helped me get a nice car when I desperately needed one. I am thankful for their friendly and quick service from Rick.

My husband and I had an amazing experience at luckys! Emily and Margarita were so kind, knowledgeable and excellent to work with. We had a goal in mind...and luckys was able to make it a reality. Thank you for the great experience!! Anne read more

2nd time comming in for another vehicle, $50.00 down for real, phhhhh what else can you ask for ? Y'all better come in and see Brian Williams ! read more

Your credit is bad so you and your wife go to some back water used car place knowing you're going to be getting ripped off and WAY over pay for some shit box. Just pray to god your wife doesn't die and leave you unable to pay the outrageous monthly payment you agreed to. Or else Lucky's Auto Credit will gladly reposes your car and demand you still pay for it. I came to you when my wife DIED! And explained to you I couldn't afford the car without her and would gladly relinquish it to you. But no you're too busy taking advantage of a grieving widow to give it even a thought. read more

If I could give 0 stars i would, let's just start off with that. Biggest regret I have ever made in my life. Bought my first car from this place and will never recommend this place to ANYONE! The cars are Crap, the people that work here are not professional, this place should be shut down. read more

Worst buy here pay here dealership I have ever had the displeasure of dealing with. Started off looking as if it would be a great and wonderful transaction. Thought maybe they are redefining the BHPH stigma. They were, just in a horribly negative way. They refuse to hold true to their contracts and their promises. They are not above turning the situation around to being your fault despite the fact it is theirs. Staff was rude and uninformative when needed. Will never go to Lucky's again and will be certain to tell any person I can how horrible the experience was and to never go with them. Extremely dishonest and disrespectful staff in SLC office. Ogden office they were not attentive to customers nor were they very helpful at all in answering questions or showing vehicles available at the lot. read more

Lucky's auto came to me and said I did not have Insurance. I talked to my insurance and they told me I did so I had them send proof. Luckys got back to me and said I was not covered for 15 days so I now owed them 58 dollars. I spoke to my insurance and they said I had no lapse so they got ahold of Lucky,s. Lucky's took 42.00 out of my account without me signing anything and when I called they said they will not take any backdated information and in my next check they would take the other 17 dollars. I tried to tell the lady that my insurance contacted her and everything and she was very ignorant with me and told me she will not take any proof she will take the 17.00 out of my account and that is final and she hung up. The company took 58 out of my account without me signing anything and when spoken to refused to give it back so I paid for insurance twice. Do not go to them for anything they treat customers like crap and even when there wrong do not own up to their mistakes read more

This is the worst place to buy a car from. Bad customer service, very unorganized, and has sold me a car that I can no longer use and I'm still making payments on. I recommend going to CarHop down the street! read more

From Emily to Margarita, From the time we walked onto the lot the customer service was incredible. The process was easy, no push to sale attitudes and treated like family. If you need to brighten your day and need a car regardless of your credit status go see these ladies at Luckys Auto Credit. read more

Told me I had to put 1000 down no matter what. I didn't even tell the car I wanted,and wouldn't tell me the price of any of the cars. The 77 dollar is a sham. They are scum bags plain and simple. read more