A-L Financial N First St, San Jose

Out of all these reviews I have to be honest. They have been very nice to me. I never been late past the 10 day grace period on my Lexus. And Juan, he is the best!!!!!! He knows me as MT-1370 😉 but overall they have been good to me for the whole 3year loan so they alright with me

I have been with them for about a year. Honestly, I haven't had any problems with them. I have been late with my payment 1 maybe 2 times. When I was going to be late I called them to notify them of the situation. They weren't rude to me or anything. When I make my payments I always pay with cash at their office personally. I don't like the fact that they don't except any other form of payment. I don't agree with the other reviews. They are not that bad.

There only getting one star because I was able to drive off the lot. So I've had my car for almost 2 years now ... I only with with my car because the car company told me if I finanace and pay my payments on time, my credit would go up and I'd be able to get a new car by trading the old one in. Turns out A-L hasn't reported to my credit and I am unable to follow through with my initial plan. In addition to that, the car I bought is only worth 8k dealer charged 8,999 and I'm paying and a total of 15.5k that almost 100% interest. In addition to that, they have no compassion or sympathy if ever you're going through financial trouble no matter the reason (death, work related injury, etc.). They just want money. They aren't really helping you, they're hurting you. They take advantage of those in need.

Bought a Mustang with their help... I have horrible credit and they worked out a very affordable payment plan. People say you can only pay with Western Union? Completely false... They mail you your payment/bill with return envelope or you can pay at their office like I did... Even the one and only time I needed to move a payment to the tail end of the plan due to a family emergency , they understood, helped and worked with me. Just pay your bill on time and consistently folks

I hate this company, they are so irritating. They send too many notices even w/o no owed money. Then my mom passed away 9/2017 and I was late $100 and they harass you. Calling my phone like 7x in a row?? Are you serious? Then the company is soooooo out dated with no app, no website, no direct deposit payments. Not to mention my high ARP which they DON'T refinance. It's like what is the benefit of being with this company? Don't do business with this company, they take your money and there's no advancement in credit score. You would think all they money they are taking they would invest it into better convenient service.

Sadly, I have had 2 car loans with them. I paid off my first car in 2 years (way before the loan term). Got a newer car and financed through them again (dont ask why) and Ive had that car loan (at 21% interest btw, they refused to lower my APR even tho I was in good standing with my previous loan) for a little over a year now. I went to run my credit and noticed that on all the Credit Bureau there is absolutely NO history of either of my car loans with A L Financial. Not only are they screwing me over with the APR but they're screwing with my credit. Anf YES theyre extremely RUDE too! Looking into a lawyer now!!!!!! If I could rate them 0 I would......

This company use gorilla tactic to threaten you with.I myself have been dealing with them for 3months and have gotten into arguments with mike,Darlane and don't know who else has called me.Even if you have bad credit you're still human and need to be treated with respect. So I tell them when they call if they can't talk to me with respect they don't talk to me at all. I pay my payment it may be a day late or it may be two as long as they get their money leave me the hell alone

I was reestablishing credit and did not have a good credit score at all. I needed a new car desperately. Due to my own factors it was difficult for me to get financing. I was able to get financing through a – L financial and I'm very grateful for that. I am about to make my last payment and I perfect payment history which has sent my credit score skyhigh! Yes the interest was high, but that was of my own doing. I am very grateful that I was able to get financing.

I have been with them for a year and I have to say from a score 1-10, 1 being the lowest and 10 being the highest they are 5. They have there good days and bad days. I am a young adult and at times I am not the best with paying on time however I always pay and even pay over. In addition when I first started with them, for the 1st 5 months at least; i paid on time. How do I know. I use to send the checks a week in advance. They claimed they didnt get it and tacked on a 6.00 late fee even though I sent it. Now this didnt happen not once, not twice, but more than three times. I asked them if there was any other way to pay them online but they dont have the option. Further, I now have to use western union to pay them which tacks on another 13 dollars. Threre was a man that worked there who is very very rude, I believe he got fired. I now believe I have a woman. However I wasnt aware of the change of people handling my account. I have even had a younger gentleman. Also my payment amount seems to go up and down between 5 dollars every time i speak to someone new. I dont like them. However I must deal with them. I guess it goes without saying ... cheap .. gives you poor service...

I purchased my first car with their assistance. So far, I have nothing but positive things to say. I'm trying to build my credit, and I pay my car note two weeks in advance. Peace..