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Mazda dealer

Lou Bachrodt Mazda Coconut Creek N State Rd, Coconut Creek

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4.4
Closed
Wednesday9AM–9PM

+1 954-247-5000

https://www.mazdacoconutcreek.com/

5400 N State Rd 7, Coconut Creek, FL 33073, United States

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    Services

    • Home Purchasing Assistance
    • Mortgage Loan Application Assistance
    • Mortgage Loan Shopping Assistance
    • Mortgage Rate Shopping Assistance
    • Mortgage Refinancing Assistance
    • Property Closing Assistance
    • Construction Loans
    • Home Loans
    • Investment Advice
    • Personal Loans
    • Personal Mortgage
    • Property Investment

    Lou Bachrodt Mazda Coconut Creek Reviews

    J

    Joe Davidoff
    5

    I can not say enough words about how great the staff at this dealership are and the professionalism they have shown my family. From the moment I parked my car at this dealership, I was greeted incredibly friendly and asked if I was there to see anyone particular. Once entering inside, the atmosphere was very welcoming and not like any other dealership I have been in. Working with Alexis, Jay, and Justin was such a pleasure and very much enjoyable. Knowing how the car industry works through direct family for the last 30 years, I never once felt like I was trying to be sold a car. The staff worked with me through all the finer details and found a deal that worked for me. I would highly recommend this dealership to anyone looking for a vehicle, and I look forward to working with them for years to come.

    Response from the owner

    Joe, Wow, thank you very much for this fantastic Google review!!! We appreciate you and your business and are very happy that your experience with our team went so well!!!

    P

    Paul Arroyo
    5

    Ask for Diego Castreje - fantastic sales person and make the process easy! Thanks Diego.

    Response from the owner

    Hi Paul, thank you for your kind review; we are happy to pass along your comments to the team here at Lou Bachrodt Mazda Coconut Creek! If you ever need anything else from us, please feel free to give us a call or stop by. Have an awesome day!

    R

    Rey Martinez
    5

    Brian was very pleasant and and Amin e. is one the nicest people I've ever met!! very patient and extremely humble great guy . amazing experience I had to add I bought same car at Gunther and got ripped off I'll . definitely more honest people are your place.. I never go to Gunther

    Response from the owner

    Hi Rey, thank you for your kind review; we are happy to pass along your comments to the team here at Lou Bachrodt Mazda Coconut Creek! We look forward to your next visit! Take care!

    J

    Jafet Pretel
    2

    Crazy fees + $5,000 market adjustment on new cars. The only reason I left an extra star is because our salesman was extremely patient and knowledgeable on the product. I shopped at 3 other Mazda dealers and these guys had the highest price by far. After a ton of haggling they finally matched the quote I had from another dealer. I thought it was over there but I was wrong. They tried to get my wife who has an 840 credit score with 6% apr. We were pre-approved for 2.3% apr by our credit union but conveniently they don’t accept loan drafts from them. We eventually settled for 2.8% after almost walking out. The finance officer made us feel like we stole the vehicle when in reality we just paid a fair price. Avoid this dealer unless you can hold your ground and have a ton of patience.

    Response from the owner

    Hello, Jafet, we have searched our entire data base and CRM. We can not find you! Is this transaction in another person's name?

    M

    Marissa Ibanez
    5

    Ken Vigo, the Mazda Specialist, was extremely helpful and kind explaining everything we needed to know about the car we bought and was always happy to answer our questions. It’s a nice location with super nice staff as well.

    Response from the owner

    Hi Marissa, we're happy you found our staff to be so supportive during your experience here at Lou Bachrodt Mazda Coconut Creek. Thank you so much for your feedback! We hope you have a great day!

    D

    Dave Schmidt
    1

    Not so good. I had ordered 4 new tires and had a appointment to have the tires installed. I arrived on time for my appointment only to find out they didn't have my tires. Needless to say I'm not happy.

    Response from the owner

    Hi Dave, we regret your most recent visit with us was not up to the standards we strive for. We'd like the opportunity to turn your experience around. Please reach out to our General Sales Manager Matt Harbinson,[email protected] 954-247-5000 ext. 5044 at your earliest convenience to discuss how we can turn this experience into a positive one.

    P

    Parker Ruiz
    4

    Just leased a new 2017 mazda 3 touring from them. As always the car leasing/buying process can be stressful and take a long time, but I felt very comfortable with my sales rep, Ken, and ended up getting a great deal on a car they were trying to move. However, I several times asked what I would be spending "today" and then was caught off guard by about $1k in closing fees of some kind. Granted, that $1k went to other organizations and the government, but it would have been nice to be informed of that before i sit down to sign papers and write a check. However, despite that I am still happy with the deal I got.

    Response from the owner

    Parker, thank you for buying your new Mazda with us. We appreciate your business! Sorry about the communication of the out of pocket expenses. We are happy with Ken as well and glad he is on our team!

    J

    Jared De Freitas
    5

    Sealed the deal. From beginning to the end Pablo Sanchez provided a excellent experience on a top quality vehicle. Amazing to work with and with always get you the best deal on the car you want. Ask for him specifically.

    Response from the owner

    Jared, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience ! Thank you for taking the time to review us on Google!

    J

    Jose Sierra
    5

    Mazda has traditionally had a mixed reputation when it comes to service. While they're generally considered reliable cars, their service departments have suffered from a reputation that is perhaps less than ideal. I'm happy to say that Lou Bachtodt Mazda completely eliminates all doubts as to the quality of service and rivals the service departments of my previous experiences with Volvo and BMW. Great communication and detail from my service advisor were crucial to the experience, and while the technician worked through the service I felt like I was in good hands. Fiesel was my personal service advisor and he did a phenomenal job of talking good care of me with daily updates and golden showers of information. My car was in for four days and he told me that normally the are courtesy loaners but that his fleet was severely depleted due to the pandemic, which is understandable. For a service that long however, I did expect a loaner and it would've elevated the service to a new level. Fiesel did his best though, to make sure everything else was luxury tier service, and having come from that ownership experience I had been worried that buying a Mazda would be a budget service experience. It wasn't, and I'm very glad for that because the car itself has been extremely positive, with Lou Bachrodt really cementing the positive experience of Mazda ownership. Take your Mazda here for service with confidence, and see Fiesel for the absolute best service.

    Response from the owner

    Jose, Wow, thank you for this GREAT Google Review!!! Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek Service Center and we are happy you had such a good experience with our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    K

    Keisha Chatto
    5

    I was recommended by my co worker to check out the Lou Bachrodt Chevrolet . Since I’m a first time car buyer I was a bit nervous. I was greeted and treated so good by Renee and Ahmed but my options weren’t available so Renee who was taking care of me suggested me to the the Mazda side where I was taken very much care of. Jorge treated me like a human being. He found me a great car that was able to take home the same day. I’m finance Ed took his time and read over all the paper work and made I understood everything. Being a first time driver is hard because any sales advisor can take advantage of you but I was very comfortable and felt great knowing that they weren’t doing that. I’m very grateful for their time and patience and helping find a great car

    Response from the owner

    Keisha, Thank you very much for this great review and your kind words. We are very fortunate to have Renee, Jorge and Ed on our team!! Congratulations on your new Mazda 3 HB and welcome to the family! We are very happy that your first car buying experience went so well!!! We are ALL here for you if you ever need us!!! ZOOM ZOOM

    C

    Creative Coach
    1

    The WORST dealership in the world and I was in the automotive business for many years! If you can go elsewhere, do yourself a favor and do so. Sales and service both are shady, treat customers with impunity and should be avoided at all costs. Seriously, go somewhere else. There are other reputable dealerships in the area.

    Response from the owner

    Hello, We are very sorry you feel this way!! We would like very much to address your concerns with us!! You did not supply a name or contact information so we can try and restore your confidence in us. Please let us know by emailing me at [email protected]

    A

    Andrew Jacobs
    5

    David, George and Danny, were absolutely by far the best people I have ever worked with to get into a new car. I had quite the situation happen and was in between leases, and they did everything that they could to make sure I got exactly what I wanted. This has been my 5 or 6 Mazda from them, and they made everything super easy, simple and headache free.

    Response from the owner

    Andrew, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with our team!! We are fortunate to have every one of them!!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    L

    Lisa Cohen
    5

    This is my third time leasing a Mazda from this dealership. I am extremely happy with the service that they provided. The manager Brian, and salesman Billy V are extremely nice, knowledgeable and accommodating. They gave me an amazing deal on a Mazda CX-5. Highly Recommend Lou Bachrodt Mazda!!! We all know negotiating when buying and leasing a car is not fun but they make the experience as pleasant as possible!!!

    Response from the owner

    Lisa, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with Billy and Brian, we are very happy they are on our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    S

    Susan Meyerson
    5

    From the Moment I was in contact with the dealership, I was treated like family! from Les the GM to William my sales specialist, everything was a 5 Star experience.. they were fast efficient and incredibly customer focused! I highly recommend them to anyone looking for a Mazda. whether you shop them First or Last, youll end up going there to take delivery... Way to go Guys! you made it happen and I could not be Happier! Thanks again to Les and William you are AWESOME!

    Response from the owner

    Susan, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda- Coconut Creek to buy and service your car! We appreciate your business! We also wanted to thank you for taking the time to fill out this great survey! It means so much to us when we receive such positive comments from our customers about our staff! We are very happy you had such a great experience. By the way we think William and Les are the best too!

    R

    Robert Zaret
    5

    I take my 2017 Mazda CX5 here for oil change/ tire rotation service every 6 or 7 months. They have specials for multiple service and I find them reliable and trustworthy.

    Response from the owner

    Robert, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe! Happy New Year!!!

    D

    Danielle Norton
    5

    I have always hated the car buying experience. However, my visit to Lou Bachrodt Mazda this past weekend was truly the best I've ever had! Christos, Tyler and Ed were great to work with and helped make my car buying experience a pleasant one. Happy customer!

    Response from the owner

    Danielle, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with Christos, Tyler and Ed, we are very happy they are all on our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    M

    Metine Poulard
    2

    I went in for an oil change two weeks past. I called first to make an appointment and spoke with an operator. He pulled up my account and advise that I still had one free oil change remaining. I was extremely happy. My sale rep David no longer there so I had a new rep name Sam. Omg not the same compared to other times I visited the dealership. 1. Operator lied, I longer have free oil change 2. I mention to the rep regarding my tire sensor he never check. It was after I paid my bill he double check and told me I still have warrant and they will check it when I replace my tires. So you could do that with the tire that’s on there now. I still had a few more miles to go with them before replacing them. I was unhappy. Next visit I want someone else or I’ll just go to Tire Plus (same services).

    Response from the owner

    Metine, We regret to hear that you had this experience with us, we pride ourselves on providing exceptional service, so we are disappointed to hear that your visit with us was anything less than satisfactory. When you have an opportunity and you want to, please reach out to me so I can try to restore your confidence in our business. Of course you can use any service adviser you want! When you make your appointment just ask for anyone else than Sam.

    D

    David Olshan
    4

    The service advisors are always welcoming and friendly and the work is completed when promised. The only complaint I have is on both service visits I had I was told that part of the service was inflating the tires to the proper level and both times it was not done. I can do it myself, but if you tell me that it has been done, I expect that it's true. The tires all have different pressures in them and they are below the recommended pressure.

    Response from the owner

    Hi David, we appreciate your positive review of your experience with us! Please let us know if there is anything else we can do for you; we are more than happy to help!

    A

    Arlene Thomas
    2

    Wonderful experiences with the crew , our salesman Bill, very helpful and care not to sell but make us feel comfortable, Alexis very nice on giving us a little break and always ready to support her salesman. She is there when needed to help. Awesome time with finance Mr. Wise giving us clear and specific explanation about his side of expertise. We felt like family, at ease dealing with him. He made sure we understood and explain things we are in doubt of and even give support if needed in the future questions that might come out. We had good conversation and shared some fun life experiences and burst out in laughter. He made sure we are happy customer . Oh, what a great guy he is. We sure recommend you to our colleagues that's shopping for cars esp, Mazda. More power to Mazda team! Thank you for your help find my sexy car.😊 cx30 , turbo.

    Response from the owner

    Arlene, Welcome to the family!! We are so happy to hear your sales experience went so well!! We are very fortunate to have Alexis, Bill and David on our team!!! Enjoy your new CX-30 and we hope you have a wonderful Thanksgiving!!!

    H

    Henry Partin
    5

    I have had a great experience every time I come here to get service, Frank Benvenuto is my service advisor and he is very professional, courteous, and always friendly! If you are looking for a great service location for your vehicle check these folks out , you won't be disappointed!

    Response from the owner

    Hi Henry, we are very happy to have provided you with such a positive experience! Thank you so much again for your feedback! We hope you have a great day!

    Z

    Zacharie Collins
    5

    Finance department reached out to me about my issues. Would do business here again. The car I bought from them has been nothing but perfect

    Response from the owner

    Zacharie, We are glad your visit turned out well! Thank you for taking the time to review us on Google!!

    A

    Allison Norona
    5

    I could not be happier with the outcome. Edgar did an amazing job! Never once was pushy always allowed us to make the decisions. He was extremely knowledgeable, polite, quick, and very funny. I can't say enough good things about him! We had an extremely difficult situation to work with and Edgar made it happen. There was never any doubt the whole time I was there. John was an amazing financing manager, he made sure we got accepted! He worked and worked with the banks and pulled through for us. We couldn't have done it without these two! ❤❤❤ I HATE car shopping, and I gotta say I was having a great time laughing the whole time! Im in love with this dealership!

    Response from the owner

    Ally, Thank you so much for taking the time to review Edgar and John!!! We appreciate you, your comments, and your business! Edgar is very new in the Car Business and we are lucky to have found him! John is an amazing person as well! Enjoy your new Mazda,and remember we are all here for you!

    T

    Tune Crawford
    1

    You should really consider having the same prices from your online sites refleck the actual price of the vehicle in store!

    Response from the owner

    Hi there, I would like to get some more details about your experience with us. Please reach out to us at your earliest convenience and we will do our best to resolve this with you. General Sales Manager Matt Harbinson , [email protected] 954-247-5000 ext. 5044

    T

    Tara Sanatan
    2

    The actual buying/lease experience was pretty standard. My salesman Ken was great, super knowledgeable and very helpful. In fact everyone was nice, pleasant and helpful. But my lease paperwork generated with the incorrect VIN. So, I was driving around with an invalid registration. As soon as they discovered the error they let me know, and they asked me to return, I couldn't so they came to my house (appreciate that), I signed the new paperwork and got the new registration which then had the wrong License plate number on it. The finance specialist assured me she would email me the correct registration, I never got it. I contacted my salesman Ken and he got it taken care of immediately for me (Ken really is awesome). But I have been unable to get online access to pay my bill and view my account because of the silly error made in the finance department. Very frustrating. 2 months in and still I can't access my account online.

    Response from the owner

    Tara, We are very sorry you had this experience with us! Yes, Ken is the best!

    R

    Rachael Kaufman
    5

    My whole experience was great. Christos and the managers are Lou Bachrodt listened to what I wanted and exceeded my expectations in the car trade-in process. I would recommend everyone to come here for any car buying or trade-in needs

    Response from the owner

    Rachael, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with Christos, we are very happy he is on our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    L

    Larry Bass
    5

    Just leased my 2nd car from Lou Bachrodt Mazda. Diego was very helpful and honest, and his manager Brian was very friendly and professional in providing me a fair price for the car that I wanted. Good job guys. 5 stars.

    Response from the owner

    Larry, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with Diego, we are very happy he is on our team!! We appreciate you and your 2nd new car purchase with us and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    M

    Muhammad Imran
    5

    Highly recommend! Matt (General Manager) & Bill D went above and beyond to make everything go smoothly! Working with Matt was an absolute pleasure! Matt is extremely patient, very professional. I never felt pressured to make a decision, and most importantly, a professional - who knows the car business inside and out. I went to get CX-5 Touring but Matt offered Grand Touring Reserve with a great package and we are loving this car. Matt and his team was super amazing, welcoming and really treated me like how their loyal customers should be treated. This was the fastest and easiest car purchase I have ever experienced. Entire process took less than 2 hours. Thank you so much for providing such an amazing service.

    Response from the owner

    Muhammad, Thank you for taking the time to tell us about your sales experience at Lou Bachrodt Mazda! We strive to provide an exceptional experience for all of our customers. I am happy to hear your visit with us was so good!. Matt and Bill are excellent employees and we are very fortunate to have them on our team, We truly appreciate your business and for sharing your thoughts with us and Google.

    c

    carlos Fernandez
    5

    First off , I would like to say , ( Customer service at its best ) I cannot speak on everyone else's behalf but mines and I cannot say all sales reps and financial employees are the best but what I can say is that my sales representative ( David Walter's)was very professional, patient, and quick to answer any of my questions. From the moment I arrived all the way to the end . I told him what I wanted and without delay he drove the vehicle out to the front for a test drive . When I said I want it and I asked to not run my credit hard and to many banks he listened and while waiting for a short period of time he took truck out back for detail and walked me over to finance and it didn't stop their . I met with a young lady by the name of ( Ni Nguyen ) and I got the same professional and knowledgeable experience.she actually took the time to get me a great deal with the banks that I was approved for and she took her time to give me options and recommend a warranty that fits into my budget. This normally doesn't happen. Most people are in a rush to kick you out of the office while squeezing every dime out of you. I've bought many vehicles in my life and have never walked in to a dealer at 10am and left at 1:30pm . I was in and out with an amazing deal and with a truck I never imagined I could get at a price that was affordable for me . I'd recommend this dealership to anyone who wants a good deal and great service. And I'd definitely recommend ( David and ni )thank you very much and I will be sending family and friends to this dealership from now on

    Response from the owner

    Carlos, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with David and Ni , we are very happy they are on our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    k

    kristina Sentance
    5

    I have been a long time Mazda driver and just like any car buyer had my fill of being ripped off, lied to and kept in the dark about so many things when trading in a vehicle to buy a new one. For the last 8 years I have worked with Lou Bachrodt Mazda and have completely changed my mind about dealer experience. The staff at Lou Bachrodt from sales (thank you Tyler Angel) to service (thank you Judy Perry) to parts ( thank you Peter) has been nothing less than phenomenal. It's very difficult in this time to find anyone trustworthy in business, especially car sales. But I can 100% stand by these people being like family or tribe. They look out for your best interest, they're honest, and they give phenomenal service every single time you walk through the door. I can't thank you enough for all that you've done and for being something so different. I Truly appreciate this dealership and would highly recommend it to anyone. Kristina Sentance

    Response from the owner

    Kristina, Wow, Well, we think the same of you! And thank you so very much for your kind words!!! Don't forget to come see me next time your here...ok? Be safe and watch those pot holes and debris. Judy

    m

    michael akselrud
    5

    My visit to Lou Bachrodt Mazda this past weekend was one of the most smoothest and easiest car buying processes I’ve ever experienced! Christos and Tyler were very helpful, informative, and overall great guys making my car buying experience a pleasant one. Even giving me the best value deal upfront. Happy customer!

    Response from the owner

    Michael, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with Christos and Tyler , we are very happy they are on our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

    A

    Ahmathyah Israel
    1

    Know your not!If you did the staff will operate your business at your level if expertise i mean i walked in there at 8am and the whole entire staff was in a meeting and a member told me I had to wait a half hour to a hour no one wanted to assist i had to interrupt the meeting and said to the 7 men I'm sorry i need help and i can't be here 40 minutes the sad thing is that if i didn't do that the other 5 customers wouldn't have stepped up to ask for the help they're there for! So the vehicle i came for they made me walk around your complex pressing the alert on the fob to find it i felt embarrassed i know if i was WHITE they wouldn't have made me walk around the complex for 15 minutes and 4 flight of stairs and you have the nerve to you sorry and your professionalism is key nahh buddy i doubt it!

    Response from the owner

    Omar, We are sad to see this low star-rating. Please know that we are always available to speak with you, as we take our reviews seriously, and would like to work with you to resolve any issues there may be.

    S

    Stephanie M
    5

    I came in just to browse as I was still narrowing down the car I wanted. I was immediately greeted by Jorge. He understood what I was looking for therefore making this process extremely easy. I purchased a Mazda CX-5 and I am happy with my purchase. If you are looking to purchase from this dealership make sure you see Jorge. He isn't pushy and really wants to make the customer happy.

    Response from the owner

    Stephanie, Your satisfaction is important to us, so we want to sincerely thank you for choosing Lou Bachrodt Mazda - Coconut Creek and we are happy you had such a good experience with Jorge, we are very happy he is on our team!! We appreciate you and your business and thank you very much for taking the time out of your day to review us on Google! Please stay safe!

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    FAQs

    • 1. What Is the Contact Information of Lou Bachrodt Mazda Coconut Creek?

      You can call Lou Bachrodt Mazda Coconut Creek via +1 954-247-5000. You can use our online platform to submit your loan request as well.
    • 3. What Kind Of Services Can I Get From Lou Bachrodt Mazda Coconut Creek?

      Lou Bachrodt Mazda Coconut Creek provides following services: '
      • Personal Loans
      • Home purchasing assistance
      • Mortgage loan application assistance
      • Mortgage loan shopping assistance
      • Mortgage rate shopping assistance
      ' Check out more details about Lou Bachrodt Mazda Coconut Creek.
    • 5. Is Lou Bachrodt Mazda Coconut Creek An Agency Or A Lender?

      Lou Bachrodt Mazda Coconut Creek is a Mazda dealer that accepts all kinds of loan requests including online installment loan services. In addition, iPaydayLoans, as an online loan service platform, can link our customers with our panel of partner lenders to get easy and fast online loans.
    • 2. How Can I Find the Location of Lou Bachrodt Mazda Coconut Creek?

      Lou Bachrodt Mazda Coconut Creek is located at 5400 N State Rd 7, Coconut Creek, FL 33073, United States. You can look for their store address on the map software and visit them in no time.
    • 4. How Can I Apply For A Loan At Lou Bachrodt Mazda Coconut Creek?

      You can submit your loan request on their website. If you need addition financial assistance, you can always click here to choose between various loan options.
    • 6. What Will Happen If I Am Not Able To Pay Back My Loan?

      You should contact your lender if you have trouble performing repayments. Your lender may adjust the repayment due dates for you to fit your financial situation at the moment. Visit our online platform to learn more information if, for example, you defaulted on your online title loans.
    • 7. Can I Get Loans With Bad Credit from Lou Bachrodt Mazda Coconut Creek?

      Yes, it is possible to get loans with a low credit score such as online personal loan services from them. You can contact the lenders for detailed information regarding loan requirements. You can also visit our online loan platform to get instant loan quotes with bad credit-friendly requirements.