The commercials for the Major World Car Dealership promise no pressure sales tactics and affordable financing.
But according to the city's department of consumer affairs (DCA), the claims are misleading.
"These ads typically promise loans even when you have poor credit, and often result in predatory lending targeted at New Yorkers with limited English proficiency and with poor credit history," said Lorelei Salas, the commissioner of the department of consumer affairs.
The agency says the dealership targeted Spanish speakers by forcing the customers to sign contracts in English — even though the verbal negotiations were done in Spanish.
DCA also alleges that Major World inflated car values, sold defective vehicles, and even changed incomes and job titles on loan papers so applicants would qualify.
The DCA is seeking nearly $2 million in fines and restitution, and calling for the revocation of the dealership's license.