A-L Financial Corp Review

GARBAGE & CORRUPTED PLACE. run far away from this place take my word for granted or you'll regret it.

I recorded my phone interview with the woman that "Approves" loans and when we were finished she said she will be in touch with me in 24hrs to complete everything.

1 WEEK later I call her and she comes up with this balogny story saying the opposite of what was said in our interview. When I told her that was a lie and I had the convo recorded she immediately closed the case and did not want to proceed with the loan.

Maybe she didn't want to approve my gf and I because we're young and financing a brand new car? Idk but I discontinued financing and paid the car cash.

This place does not even deserve a star.

horrible customer service, they are very rude and hung up with me a few times, wouldn't do business with them again.

They're crap. And Damien is the biggest piece of crap I have EVER come across. If you can avoid it, stay away from these guys.

A-L FINANCIAL is a company for people who have had a problem with their credit, I had a stroke after the economy crashed in 2008 and lost everything. As long as you pay your bill to A-L Financial on time they are a very good people. They do what they say they will do and they expect the borrower to do what they promise they will do when they ask for the money. If the borrower does not do what they promised to do they do what they promised to do and that is collect. The only problem that I have had is with the people in the Tucson office. They are rude, belligerent and talk down to the borrower. That is from the manager to the receptionists. I was never late on my payments.

DO NOT deal with these people at all. They are very rude and lie about everything so if you don't keep up with your own payments don't believe them when they tell you that you owe them more then what you really do. Luckily I kept up with mines and when I had all my paperwork they still tried to lie about what was really owed. (I am taking them to court for what is owed to me) if zero was a star they would get -10. Before you do business with them don't... RUN RUN RUN for the hills as fast as you can. You will thank me in the long run!

This company did give my son a loan, but when he belived he had gotten a extension they said he didn't they have no record of the transaction. So they repo'ed the car now he is stuck with the outragous fees to get it back all because of a lack of judgement on his part for not getting a reciet.

This is the worst place ever, they are rude and not willing to work with you
this place needs to be closed down. Run from this place find another financial co. you will regret it, trust me. They do not deserve no stars.

I haven t had a negative experience with this company. The only thing that I don t like is that you can t make payments over the phone, with a debit/credit card, or online. It would save time and money if they did. My payment for this month happened to be tomorrow (7/6) and I arrived at the office at 4pm 7/5 to drop off my check (and I didn t have checks until I got financed through this company). Mind you, the office doesn t close until 5pm on Fridays, but apparently due to the holiday it closed early today. What holiday is on 7/5 that I m not aware of? There was a girl in the lobby that told me to not waste my time by going upstairs with my newborn baby because they were closed and told me how they closed early because of the holiday... okay... she said that they have a drop box, cool no big deal. The only thing is I don t have the envelop that comes with my monthly bill from A-L financial, she then told me to write my social security number on the check and still put it in the drop box. I am not writing my social security number along with my account information and address so someone can steal my identity. I am definitely reporting this as far up as I can go because their office hours say 5pm on Fridays. There was not even a notice on their door stating they would be closing early on Friday 7/5. So in essence, my three star review is due to their lack of payment options as well as customer service in protecting ones security. Below is their office hours right outside their door. As I sit in my car outside the building writing this review, it is currently 4:24pm on Friday 7/5/2019.

Update to my other review, I gave them a low start rating. Sure they ll threaten to take further action with your loan but I have not seen this company reflect negatively on my credit report so I thank them very much for that.

These people are the most annoying folks ever! They have nagged our family members and friends that my daughter used as references on her application. They have called me to verify her residency and even after speaking to me they are now harassing my daughter saying that if she does not have EVEN MORE documentation in by tomorrow morning there will be consequences. Seems instead of trying to help folks out at all that they are desperately looking for reasons to make my daughter suffer. Quite ridiculous people, if you ask me!

This is a terrible company tried to make arrangements with them the people that work there is rude and they don t wanna work with you now there trying to sue me Don t Go With This company there the worst company to go with they need to be shut down!!!!!

Avoid like the plague, The stuff they do is borderline illegal.

Weird office hours. They do not make it easy to make your payment on time when they are closed by 430pm on a monday. I hope you dont have to work mondays and fight rush hour to make your payments like i do. Should be able to pay with your debit card online. Its ridiculous. Outdated technology in an outdated building way in the middle of Phoenix

We made the mistake of buying a car from a crummy lot in Glendale, Az. They stuck us with this obnoxious company. They are rude unprofessional and generally default to horrible. We sent them a payment from a refinance of our home. We have FedEx tracking which was signed for and they refused to acknowledge they have the payoff. I would rather take the bus than drive a car financed by these awful people.

A-L has help me when I needed them. But the lady at the front desk is very rude and never smiles and when I told her that she should smile. She told me that there not in the business to smiles. I hate going into this place each month. I can't wait to finish paying off my car.

Blood sucking leeches. Avoid at all costs. There is no option of payment aside from mail or western union. Interest rates are criminal and the customer service is non existent. I would rather eat glass than work with these criminals again.

Absolute pirates and scandalous people. DO NOT do business with this "company" absolute criminals and will try to scam you for every penny!

I know The interest rates are high that's a given due to the fact that most that go to a and l do not have the best credit. That's not an issue that's understandable what's not understandable is terrible customer service. Phone etiquette, The whole tone of voice completely the people sound like they are miserable there. There is no follow through or execution in some processes.

These people are crooks and loan sharks of the highest degree. Do you have bad credit? Struggling to make ends meet? No worries! AL Financial will happily give you a loan. In fact, it's their business to do so! I paid on my car for over a year and never touched my principle, because the interest and finance/late fees are so outrageous. When you're ten days late on your payment, you and everyone you listed as a reference (such as family and friends), as well as your boss, will start getting phone calls stating that you're late on your payment. They'll be incessant. And they'll work with you, as long as you always answer the phone, even at work, and as long as you pay in ten days. If you don't, best of luck. They'll repo your car in a matter of days and make sure everyone knows it. Then they'll offer you a "settlement" to get your car back and reinstate the loan, to the tune of about 3x your payment, even though you're not even 30 days late yet. Not only would I implore you to not accept a loan from these unscrupulous people, including Alma, Liz, and the ten or so other people who work in the building, but I'd tell you in all honesty, any car salesman offering you a loan through them knows exactly how they conduct business - So I wouldn't trust him or her either. I know you're in a tough spot, so you probably won't listen to me, but you should. These people almost caused me to lose custody of my kid because they were so aggressive over my car payment I felt like I had to skip paying rent. Thank God I made the right decision and just let them keep the car. Everyone who works there has a special place waiting for them when they pass on. Do not do business with this company or anyone who suggests them. Happy shopping.

If your 1 day passed your car payment due date they WILL repo your car, they dont work with you and it is true that if you pay a little extra a month the money does not go towards your principal, they just hold it and take it off your next payment. Customer service is horrible too. First and last time I use this company.

This place is a joke I attempted to drop my payment off three times and they were closed even the building was closed so I mailed it in told them I mailed called and confirmed the following Monday it was received and was told yes no it's sept 7 and my payment isn't due till Monday and I receive a letter stating that they want to help but they need to protect their interest really it's not my fault y'all are closed and don't have a phone payment or even portal hell or an app will update this tomorrow after I speak with them

I will not say that A L Financial has the best rates. Let's face it- they are a subprime lender. Anyone who has to finance with them does so because we have in some way, shape, or form, ruined our credit in the past to the point where no other lender will finance us. That's what happened to me. A-L Financial was the only company willing to take a risk on me. I actually completed 3 car loans with them and never had a late payment once. They are prompt, courteous, and if you pay your bills on time like a responsible grown up, then you should not have a problem with them. Ignore the negative reviews. This place is in business because of people like me and I am grateful for them because I was able to rebuild my credit because of them. It's all give and take. For the negative reviewers, come on.. grow up and take responsibility for your actions. Make payments on time, and you won't have a problem.

Only wish I could pay online or over the phone. I don't like mailing it in or driving up there around my schedule. But I'm thankful they gave me a chance with my car loan to help build my credit back up.

I've never been late on a single payment and have never been harassed or otherwise inconvenienced by this company. I am grateful that they bought my loan, yes the interest rate was higher, but I was a first time buyer and the terms ended up being ok for the purchase of my motorcycle. I do agree that for the most part there is a lack of professionalism at their office, but then again, I'm sure they deal with so many clients that give them the run around that they resort to such attitudes in the end. I'm not justifying their attitudes, just saying that I understand how it got there. In conclusion, they are a company that takes a higher risk with either first time buyers, challenged credit histories and other negative factors, don't expect a company backed by Warren Buffet, Stephen Allen Schwarzman, or Carlos Slim. You want better companies serving you, get your act together, pay your dues and move on.

Avoid... This company is crooked....On 06/16/2015 I made an insurance claim on my 2005 MV AGusta F4 motorcycle due to an accident in which the insurance company approved me to do the repairs myself but said that they would have to put A L Financials name on the check too due to the fact that they are the lienholder but he stated that they should sign it so I can make the repairs. My wife contacted A L Financial on 06/23/2015 and let them know that the bike was in an accident and we need the money to fix it in which they stated that they would need to see the bike repaired before they signed the check and my wife let them know that we need the money to repair the motorcycle, they stated there is nothing they can do. I bought the parts and began the repairs on 06/23/2015. On 06/24/2015 I called A L Financial and let them know that the bike was repaired and asked can I give them the check and them give me back 25% of it so I can get some of the money that I am out due to having to fix it out of pocket, I let them know that I can ride the motorcycle there for them to look at, they told me absolutely not, A L financial said we spoke to your wife yesterday and said we will not give you the money. I said so are you telling me that I can only use this check toward my loan? and she said that is correct. I had the choice of either not use the check and be with nothing or take the check to A L Financial and it be used toward my loan so on 06/26/2015 8:30am "while video recording" I hand delivered the insurance claim check to A L Financial at 7250 N 16th St #400, Phoenix, AZ 85020, I let the receptionist know that I did have time and date stamped photos of the motorcycle on my phone from that morning and she asked if I had the motorcycle with me and I let her know that I did not because it was already almost a 100 degrees and with being stuck in traffic it would be unbearable she just said "Okay". What they have done has set me behind on other bills due to the fact that I bought the parts out of pocket relying on them giving me money from the insurance check.
What they have done is not just bad customer service but borderline insurance fraud. I want the remainder of my loan to be paid in full which is another $1200, due to the fact that they have caused me a lot of financial problems from them being greedy and taking all of an insurance check that was supposed to be used to fix my motorcycle not almost pay off my loan. Instead I put off other bills relying on the money from A L Financial. This was a comprehensive insurance claim check that was supposed to go to me for the repairs of my bike not for the purpose of my loan. After paying the $7,040 toward the loan I looked at my loan paperwork and added the amounts and A L Financial charged me $110 more than I should have. Also my Payment is normally due the 25th day of every month but after paying the $7,040 I did not pay June 25th because I thought that it would go toward my payments, but it did not A L Financial sent 10 letters from June 26-July 9 threatening repossession for my payment being late. On July 11 I payed the June 25th payment.

Worst customer service i have ever had. If i would have know how these people were i would have bought my car right out. Instead of thinking i was getting credit for making payments on time and just wasting my money on interest

His company is horrible piss poor customer service. Don't use this company. No customer service at all !!

Loan sharking at its finest, never had this shady company. But know someone who did. They lost cash Payments conveniently. What loan company doesn't Take online payments or debit/ credit card one that doesn't want a paper trail. Also after you pay off your loan nothing gets reported positive to the credit bureaus. So for all you with bad credit thinking they're gonna be your savior, think again you'll be right back to where you started maybe worse after all your high interest payments. Find a company that has a proven track record .a website and takes any form Of payment. There's even many dealerships that will not deal with this company.

5 star only if they could take a debit card over the phone.

Horrific customer service. I am nearly done paying off my car and I did not have to finance with AL Financial due to bad credit I just simply had no credit, 29.5% interest rate for a 11k car I paid nearly 19K, almost double the sales price. I moved out of AZ shortly after purchasing the car, so I was no longer able to take the payments in and would have to send them via mail. WELLLLL that screwed me up soooooo bad. From Oakland CA to Tucson would take 2 weeks. Wouldn't you know it, so that they could get the damned interest and penalty charges, this was only if I sent the payment a week before it was due. However if I sent it 2-3 weeks early they would try to cash it within a few days ya know the three days it takes for normal mail to get there. Imagine that right?! I recently moved to Washington and tried to get my plates changed over to renew my tabs, well I had to jump through hoops, My dad had passed away and I was in Tucson, I went in to get my title to transfer my tabs and they told me that they had to reach out to AL in PHX then request it be sent to Tucson then once they did that, they would make sure I was current on my payment which I was. Then it would take another week to get to WA. It was an all around mess. Even though they know their "mail department" didn't check the mail often or post payments I would speak to them and let them it was on its way. They said so long as it was noted that I wouldn't get penalties. That's a lie. For two years they didn't post my payments to any credit reporting agencies until they started getting them "late" now they post that to the credit buereu I'm 2k away from paying off my car. I cannot wait I am also glad this location is being moved to PHX maybe they'll have better customer service.

Seen lots of bad and good reviews about A L Financial.. Mine is a good review.. They've always been helpful and gave me a chance when all other lenders said NO.. My interest rate is not bad at all.. Beats the hell out of going to Drive Time or Cactus Jack... After 11 months i needed to defer a payment due to financial problems and they did it.. They've been nothing but excellent. I got my loan in Aug of 2013 and have had 0 problems..

Trust me the loan is not worth the aggravation it causes when dealing with AL Financial Corporation. They are a high risk lender who has no business being in business.

If anybody who has dealt with this bottom feeder, please respond as I'm putting together a coalition and social media campaign.

I pay my payments, pay off the loan early, and I still get a nasty put on my credit file. (I was only late once on the 31st day, 9 days on another). I even paid the EXORBITANT late fees!

WARNING...WARNING...WARNING...WARNING...WARNING...WARNING...

DO YOURSELF AND YOUR FAMILY A FAVOR...STAY AWAY!!!!!

This is the worst finance company. Do not talk, work or associate with Monica she is the rudest person there and will not provide me information needed in order to refinance and finally leave this company. Legal action will be taken of this continues.

This is just the latest interactions with A&L Financial, there's been plenty.....

Understanding that I didn't have the best credit for my purchase but I am in the rebuilding process. I can understand the higher interest rate, sometimes you do what has to be done. But none of that negates simple courtesy when dealing with customers, this also includes ease of payment making. Nothing was mentioned about the lack of methods to make payments. No debit card usage, no auto pay, no bank drafts..........nothing. Oh but you can use Western Union for a fee. Or just write a paper check and send it in hoping it doesn't get lost in transit and then absorb late fees.

Now that I am in a position to pay off the balance utilizing a "no interest" rate for 12 months on my Amex. So I call their office to inquire of the pay off balance and to see if I can indeed use my CC to pay off the loan. First the front desk woman or receptionist or whoever answers the incoming calls hangs up on me 3 times. She either didn't want to work for her pay or the fact that I didn't speak Spanish to her was offensive. So after a 4th attempt I finally get someone who will take my call and then I get transferred 2 more times. So finally I get my payoff balance BUT alas they don't take credit cards for ANYTHING. Yes I can use Western Union but again for a substantial fee.

So in closing............if you're financing a purchase and the documents for that loan indicate business dealings with A&L Financial...............RUN AWAY FAST, DON'T SIGN THE PAPERS because this whole experience with A&L has been a nightmare and I don't see it getting any better.

bad service rude and not happy with the way they treated my daughter. i never want to do any business with then, ever!!!!!

Update your hours on google. We live an hour away and go in at 4:28pm on Friday to make a payment and you're closed. Google says 5pm and on the window of the establishment you have listed 4:30pm. Also, don't close early. Someone in the hall that works in the building said everyone left early today from A-L. Again, we live an hour away and you have now wasted our time as well as the ability to make our payment today because you guys decided to close up early and do not have the correct hours posted online. I don't appreciate having to drive up here again, 2 hours round trip, just to make a payment that could have been made today.

Horrible. I have had them for about 4 years. I am one payment away from paying off the balance. After being only one day late, they will start to call you asking where your payment is? They only take Cash, money order, and western union. they don't have a website and they run off of a DAS system. they will repo you after 30 days of being late. so be warned, make your payments or ride the bus! I cannot wait to finally be done with these folks.

They are not worth even 1 star. Horrible customer service. They will hint you down if your payment is not even a day late but if you need their help with anything, they will give you the run around. I will never do business with this company ever again!

We agreed on making payments over the phone than they say they don t accept debit and i have to drive a 1 1/2 hours to pay it every month no financial institution should not be able to accept debit

Scummy company. They will cheat you. At the very last payment on my loan, with only 200 dollars left on it after paying it off for a year, they suddenly were unable to receive the payment, claimed that they weren't getting it despite it working just fine for the past year, just so they could repo my car at the last minute. Don't trust these people.

They are seriously horrible. If I would of known I'd be getting phone calls 24/7 stalking me about forgetting to make one payment.. would of never went with them! Not only do you get million calls, but they follow up with letters on top of letters threatening you to pay. Oh and when you do send in the payment, they call to make sure you sent it. They are rude and not helpful at all. The worst. I can't say I am glad my car was in a crash, but I am DEFINITELY glad I never have to deal with them again.

I hate dealing with everyone there. Before the online payments it was horrible to make payment. At one time they spoke to me like a 5 yr old and said I can put the payment in the drop box. Yiu k ow the one thats locked up qfter.hours.

I was with al financial for a year and a half.for a camry And i never NEVER had a bad experience with them i ofc always paid my bill on tiime i made certain of it they only let u pay with check in person or by mail not over they phone but hey give and take i suppose they let me leave post marked checks with them and they were curteus and professional enough to accept them ... They were professional with me maybe if people pay their bills on time they wouldn't be talking masa ....i always drove in person to deliver the checks btw. Don't rely on circumstances out of ur control handle it yourself ...

Id just like to say im 26 years old i have 3 loans now from this company 2 motorcycle and 1 car loan. I now own 2 of 3 and almost done with 3rd , if your an honest person who pays your bills and can properly manage your own life this company will gladly help you build credit and or get back on your feet. I never have had any problems in 6 years worth of payments, only thing bad i can say is i cant pay online or with my debit card and its very annoying to come to there office and also get money orders..

i have had nothing but positive, cooperative customer service. Cathy is my acct rep and is very pleasant to work with. I believe if you pay your bills on time and follow what YOUR contract with them states, it works out for both parties. Thank you Cathy for always being so kind.

They suck, no grace period, 2 weeks and they try to repo.. Interest rates are ridiculous and they are to cheap to take credit cards.

Where rude my payment was due on a Saturday and they where closed when I went Monday they where calling and calling to see if I was going to pay then said they never received my payment called and resolve it then received a letter saying that I didn t pay and my payment and that I was a delinquent plus my payments went up plus the interest rate of 23% glad that I m not dealing with them and got refinanced with vantage

They are beyond rude and interest rate on my truck is outrageous.

This company is horrible. I financed with them for 2 years and never once liked them. They are rude even before they now who they are talking to. There is no grace period. they won't apply money towards the principal, they put it aside as a credit. They don't report that you pay over to credit bureaus. The interest rate sucked but I had bad credit so that was whatever. Making a payment is a hassle, cash, check, or money order in office or by mail (with no receipt). You can western union but that's a pain too. No debit/credit option. And again the people are rude as hell. Don't use them if at all possible.

I see a lot of bad reviews for crappy service, not helping people in a bind, etc, but all the complaints seem to be related to not paying your bill. As long as you pay by the time your grace period is up or communicate with them if something is going on, then they are perfectly fine to deal with. Let's keep in mind this is a lender that does loans for high-risk borrowers that many times cannot get a loan anywhere else, due to defaulting on other creditors. So of course they are not going to seem friendly if you don't pay your bill and don't even try to work it out with them until you are already late. A good portion of high-risk borrowers often exhibit the same behaviors that tanked their credit score over and over, so if you don't pay and don't communicate any problems in advance, they don't have any choice but to think a borrower might possibly be on their way to defaulting. People tell a lot of sob story lies to get out of paying on time, I'm sure they've heard it all. They have a business to run, and when you don't pay on time, you generate a lot of extra work, which costs. They gave the money when it was needed, as long as its paid back as agreed, they will treat you just fine. You can't expect special treatment when you break your promises.

If you come here you must have bad credit like me. But I am greatful to A-L FINANCIAL they loaned me the money when no one would. I was never late on my payments and I paid it off ealry that's the best advice I can give pay it off ASAP! Avoid more interest pay off early and only borrow what you can afford. And Ross is cool.

Horrible Company, Tells you one thing on the phone then changes what they said the next time you are on the phone. They are very rude and will call you a liar about anything you say. Make it extremely hard to make a payment, only allow you to make it in person by cash, money order or cashiers check. Cannot pay online over the phone or by card.

worst company ever! Rude people! Have to drive an hour to make my car payment every month because they don t take card or online payments.

Never use this company! They are mean, disrespectful, and have the worst rates. They do anything in their power to screw you over and never work with you.

No Online payment options...My Suggestion, refinance with someone else.
They also keeping Screwing you around, Clara Horn is the worst. I am filing a lawsuit against this company. Her Customer Service really SUCKS.

My experience with them has always been positive. No problems as long as you make your payment on time .

Despite the bad reviews they get, this company has worked with me on several occasions. It's pretty plain and simple. Pay your bill when you're suppose to and they are nice. there has been a time or two I wasn't able to make my payments and they could only do so much. But they still were trying to help me. Just be glad people like them are willing to accept our terrible credit situations and pay on time! *no I do not work for them, I just have shitty credit and finally was able to stop walking to work in 110 degree weather everyday*

As stated in previous reviews. Lackluster customer service and borderline incapable management.

Shady business practices to take more money than what is agreed upon. Horrible and unprofessional customer service that don't do as they say.

very rude and doesnt provide info throughly, needs better employees

This is the worst experience I have ever had! Constant calls even if u make a payment arrangement I'm at work and get 5+ calls! The customer service is absolute crap!

Their not worth any stars... I hate going into this place monthly

I've never had any problems with them despite all the negative ratings. I even got into a jam trying to pay my car loan. I called to let them know i was having trouble and they had no problem with giving me extra time to pay. They were really nice about it all. As long as you communicate with them and pay your bill, all is fine.

They're okay beside the lack of their old computer systems that are from the 80s and don't understand it's the 2016 time to upgrade. But fact they're getting 4stars is because I ask them about post dated checks they stated I can do that. So I wrote 3. These fools cashed 2 of my checks. One on 10/4/2016 then the next one on 10/5. They're all women working their so kind of hard to find Authority. But that just pissed me off you say yes to something not do it.

These people are charging a 5 dollar fee to pay online because no one can go in to make a cash payment! Literally taking advantage of the pandemic.

this company has finance me twice for motorcycles when every other lender said no. So for those that can only get approved for AL and no one else,well you shouldn't complain about the APR and them calling when your late. its the price you pay for messing your credit up, I am personally thankful that they were able to finance me.

Trying to drop off and the building is locked..... wow!

I am very grateful to A-L financial. This company took a chance on me when other wouldn't. As long as you're an adult and pay on time you will have no issues. After about a year and a half of on time payments I needed to request an extension. Monica worked with me and gave me a deferment witch took that months payment and moved it to my last payment this helped me more then the extension would have .This was only possible as I was caught up never late and asked before the payment was due. Kudos to A-L and Monica.

Do not accept the loan from this guy you will regret it for the rest of your lift. My car got repossesses over $27 that magically just came outta know where. They call and harass the day after your payment is due not even allowing a grace period. Throughout Covid they worked with me on my payments and even with the cares act in place they still reported my payment late and i lost 30 points on my fico. They never have the correct balance information and i just go on and on but im tired.

I work for an insurance company and A L Financial called and requested to be added as a lienholder to our policyholder's auto policy. Due to security measures we are required to take (nationwide), we had to get approval from our policyholder first for the change to be made to their auto policy. Not only was Alex upset that we wouldn't just add them on without permission, she was rude and told us she'd never had such a problem with our insurance company before, and hung up on us. She called again the next day (we had not yet received confirmation from our policyholder after leaving him a voicemail) and again informed us of what a hassle we were putting her through and hung up on us again. After finally getting the 'okay' to continue with adding them on, when we spoke with her again to get the address, she was rude and in a huff and yet again hung up on us.
She was unprofessional, rude, and acted as if we were intentionally trying to cause problems for her. After that experience, you can guarantee that neither my family, my friends, nor my clients will be getting a referral to use A L Financial.

I didn't have the best credit and got denied so may times from used car lots. Searched for a better alternative and found them. Even though my score was dropping from all the hard inquiries. They gave me a chance. My down payment was only 1500 on a 12k suv. I never made a late payment in 3 years. Finally got the money to pay the rest on full and did that with no penalty. They are great. I am actually thinking of going through them again.

I recently got finance with AL Financial (this week). I called today because I had not heard from them yet and spoke to Gabby on the phone. She was very helpful and very knowledgeable. She was efficient, yet didn't rush me. Although, I am a new client/customer, I appreciate the excellent customer service Gabby provided me today via phone. I saw many negative reviews, but my experience has been a good one thus far.

Very rude workers here! I am in the process of refinancing my car and I will spread the word to anyone who mentions buying a car to avoid financing through these people. I even spoke with the supervisor and she was one of the rudest people Iv had to deal with there and is a poor representation of a higher up. Iv never made a late payment for the year iv been with them and never had any problems with them until I called them to fix an error on their part. This place SUCKS!!

No website, no online bill pay, very inconvenient. I dont like sending checks in the mail. Too many things can go wrong. I'm refinancing as soon as I can.

If I could leave no stars I would:) worst financial business/employees to deal with. Unprofessional and disorganized. Not convenient for those outside of Phoenix. I strongly recommend looking else where no matter how bad you want the car.. And definitely do not recommend to first time buyers.

Whatever you do stay AWAY from this financial company. They are the worse company my husband and I have ever dealt with. If google gave me an option to give them zero stars I would. The Phoenix staff is rude and very unprofessional. We were happy when they had an office in Tucson the staff was friendly and was willing to help you but unfortunately they closed that office and everything was moved to their Phoenix location. It was convenient for us as we could walk in and make our payment. But of course the only way now is to snail mail but these money hungry a-holes want you to send you payment by priority mail or western union. I'm sorry but I am not paying an extra fee just for you to receive your money. Also they bombard you with letters and phone calls even if you are one day late. Save the paper you'll get your money when you get it!

I would rate them zero stars! I do not recommend them....

Worst customer service skills I've ever witnessed. They advise you to do something and then charge you for doing it. No wonder they aren't bbb accredited and have so many negative reviews,they are garbage.

Their interest rate is high, but I'm greatful they took a chance on me with a 1500 down payment. I did buy my car from Berge VW and their reasonable on my monthly payment... And it would be nice if they had a free payment portal, instead of making a trip across town and making Western Union payment

I was so glad when I was finished paying off the loan AL gave me. I thought never again do I have to deal with such rude, unprofessional, and untrained staff. To my surprise 5yrs later I'm trying to sell the vehicle and can't. And why you may ask, because AL still has a lean on it. And now that I'm back in communication with them nothing has changed. They're still the same ignorant, rude staff as before. Please look into other loan options before signing with this AL financial. Nothing but headaches with this people!

Very rude staff, threatened me when i couldn't make a payment due to a job loss, not helpful at all if it wasn't for my credit i would have never dealt with these people by my choice

Pretty good place to get Financed. I didn t have an issues. Only thing that was annoying was that there was no way to pay online.

They are very unprofessional. I fell into hardship., was only 2 weeks behind in my car payment, and they threatened to take my car. I only have 3000 more to may on my car, and they do not want to work with me at all. One hand doesn't know what the other hand is doing. The computers are out-dated, they do not accept visa nor master card payments over the phone neither in the office. unless it's through Western Union, cash or Money Order. It has been the worst experience of my life.

This establishment is a joke! Rude ppl, the staff seems like they have no clue what they are doing!

Let me say The employees who work there are very rude.. There is no grace period.. They will harass you... Interest rates are high. Non negotiable. Reposed my car at 8pm called next day and they had no helpful information to give me. Very corrupt company