A-L Financial

Very rude, disrespectful, customer service .... What customer service? They call and state their name and literally demand payment without even seeing if there is a problem that they can help with. They don't offer any assistance, the hiring criteria must not be hard to pass if they are this rude and have such a lack of common sense. more

Will be nice to accept payments over the phone... more

Absolutely horrible customer service. Unprofessional, Unhelpful, Unwilling to cooperate. My car had been in an accident and was totaled. I could no longer continue to afford my car payment so I voluntarily surrendered my car. At the time of the surrender they had told me that I could set up a payment plan to continue paying my car off but at a more affordable rate for me since it was surrendered. They never contacted me with further information of my payment plan, so when I got a late notice in the mail for my original car payment I called and they said that it was a mistake and to disregard the late notice but failed to tell me about setting up the payment plan. I then get a letter in the mail from an ATTORNEY saying A-L FINANICAL was going to sue me for the remainder of my payment wanting it in lump sum of over 11,000. The attorney they have is just as horrible as a-l financial. Every time I had tried to contact him he never returns my calls. I tried cooperating and setting uup a payment plan with the attorney and he failed to follow through and tell me when it'd become in effect. His extremely rude secretary said he'd call me back yet again. THREE MONTHS later I get a notice in the mail for court. This has been one of the worst experiences of my life. When calling both the attorney and a-l financial all I got was attitude, rudeness, and unwillingness to cooperate so I became rude in return. How either are still in business is an absolute mystery to me. If you ever see A-L FINANCIAL as your lean holder seriously don't sign for it. They screw you over completely. more

HORRIBLE SERVICE! i had to come in to their office to pay my account CASH since they never received my check, I told them to wait a couple of days and they wouldn't, they said they needed the payment THAT day, I spoke to about three different people that all said they would note in my account NOT to cash the check and what happens two days later? THEY CASHED MY CHECK. Had they waited ONE more day everything would have been fine but they just COULDN'T. I called them and told them i needed that money back in my account since I had ALREADY paid them cash three days prior and they refused to give me my money back. I don't know why they tell people that there's notes in their account when that's absolutely not true. What a joke of a company, I will be refinancing my car ASAP with someone else so I do not have to deal with them anymore they are just a bunch of inadequate workers who do not know how to do their job. more

Rude, disrespectful and a step down from extortionists. From the receptionist to the company vice president this is the most base, low class, and unprofessional financial institution I've ever done business with. Apparently they believe funding ""high risk "" loans allows them to be nasty and flat out lie to their debtors. \r \r I had to hire an attorney to try to deal with them and they were just as nasty to her. The vice president ""Imelda"" even personally insulted her. At this point, my lawyer's fed up and filing a lawsuit.\r \r If its these people or La Cosa Nostra, choose the mafia! more

I REALLY DON'T KNOW WHAT ARE THESE PEOPLE HERE TALKING ABOUT..I GOT A CAR LOAN HERE SEPTEMBER 2009. AND THESE GIRLS HERE WERE SO GREAT WITH ME ...I MADE MY PAYMENTS ON TIME AND TOWARDS THE END OF MY LOAND, I STRUGGLED WITH MY PAYMENTS BUT I WANT TO THANK ADRIANNA SPECIALLY BECAUSE SHE IS A GREAT PERSON.. SHE UNDERSTOOD ME COMPLETELY.. BUT ALSO I HAD A GREAT COMMUNICATION WITH HER, IF I WAS GOING TO MAKE MY PAYMENT A LITTLE LATE ,I WOULD ALWAYS CALL HER AND LET HER KNOW THAT. AND NOT ONLY THAT IF I SAID TO HER THAT I WOULD SEND MY PAYMENT WESTERN UNION IN SUCH DAY, I WOULD ALWAYS KEEP MY PROMISED TO HER AND SEND MY PAYMENT TO HER....SO MY TIP HERE IS NOT FOR AL FINANCIAL IS ACTUALLY FOR THE CLIENTS... KEEP IT REAL 100.. AND TRY TO KEEP A BETTER COMMUNICATION WITH THE AL FINANCIAL STAFF AND THESE GIRLS WILL WORK WITH YOU....THAT SIMPLE... KEEP IT REAL AND STOP BLAMING OTHERS FOR YOUR POOR COMMUNICATION SKILLS.....MY LOAN ITS DONE AND MAYBE IN THE FUTURE I WOULD GET ANOTHER LOAN FROM THEM.... I HOPE I'M NOT TO HARD ON ANYBODY... TAKE CARE... more

My representative is Cynthia, she is very rude to the point where I was so frustrated with the things she was saying that her rudeness made me cry. We have only months left that is due on our vehicle. Every month we have paid them and some months we were late only by days to be harassed by this company. I have never been over 30 days late and yet they still treat their customers who are past due like we don't pay our bills and we are scum. I WILL NEVER LEASE A CAR THROUGH AL FINANCIAL and look forward to the day when our vehicle is paid off. Due to her unprofessional manner I WILL NEVER TAKE THEIR CALLS AGAIN. Before I use to talk to them when I had my previous representative and if I was going to be late but now that's to caller id I will never answer calls from Ontario or blocked numbers because they think they are being fancy when they are being sneaky and trying to harass you constantly. IF YOU DO NOT HAVE A LEASE WITH AL FINANCIAL COUNT YOUR BLESSING AND BE AWARE THAT THIS COMPANY IS THE WORST I HAVE DEALT WITH AND ACCORDING TO THE REVIEWS ON THIS PAGE THEY DO NOT HAVE ANY GOOD REVIEWS THAT MUST SAY SOMETHING IN ITSELF! When I am done paying this car off I will re post again my final review, until then THIS COMPANY IS HORRIBLE! more

I WILL NEVER PURCHASE A CAR THROUGH THIS COMPANY AGAIN I HAD A DEATH IN THE FAMILY AND ONLY NEEDED A EXTRA WEEK TO MAKE PAYMENT ( I ONLY HAVE 3 MONTHS LEFT) AND THEY SAID NO SO I ASKED TO SPEAK WITH THE MANAGER AND LUPE WAS EVEN RUDER. PLEASE I ADVISE YOU NOT TO RENT THROUGH THIS COMPANY!!! I LITERALLY CAN NOT WAIT TO PAY THEM THEIR 3 PAYMENTS SO I DON'T HAVE TO DEAL WITH THEM. more

I was late 1 time, just 1 time and I explained to them I was having a little difficulty making my payment. You would have thought I was 90 days late! Lupe treated me like crap! I told her I`m 2 days late, you will have it at the end of the week. She said were going to repo your car, why did you buy the car if you knew you couldn`t afford it! And she went on and on ranting for about 5 minutes when I had finally heard of enough from this bitch! I told her who the hell do you think you are talking to me like this! Then it was my turn and boy did I give her a taste of her own medicine. She quickly started talking to me like human being, but it was to late. I let her have it myself and sfter that she never gave me anymore problems. With idiots like this at A-L fifnacial you have to go down to their level and defend yourself or else forget it man! I have bad credit because of my divorce, but once I clear my credit up it`s goodbye A-L financial. I`m not going to keep spending my hard earned money so this comapny can keep this collosal failure of employees working. Even the cashier is a bitch! and lets not mention the supervisors, guess what you guys are employed because we pay your salarys, we with the bad credit people as you like to refer to us. A-holes! Suck on that Lupe! more

I had to get a loan through this company when I moved back from New York. My ex had ruined my credit and taken everything I had and left me with nothing... This was the only place that would work with me. For the first few months they were ridiculous... Rude to me on the phone, in person, different people did not seem to know what they were doing... Spoke with everyone from the receptionist to the head of the office, and yes they were ALL not very pleasent. But lately, as in the past few months, things have slowly began to change. At least over the phone. People treat you like a person, have a warm greeting when answering the phone, and wait for you to finish speaking before they go ahead (one of my biggest pet peeves with them). I have to say they are really turning their office around... Im not one to write reviews or anything but I have definitely seen an improvement in this company and don't have an issue with them. I'm glad someone decided its time for a change and time to treat people with some respect :) more

A-L Financial is nothing but BULL****. My account was delinquent 36 days. I spoke to Martha, (who will harass you) after explaining my arrangements to her 5 times. My car will be paid off this month and I called to let A-L Financial know my paid is in the mail. I woke up this morning and my car was gone. So I call Martha and she had no idea that it was repoed and didn't have a number for the tow company? A hour later I hear from her and get a mouth full of charges. I ask to speak with the supervisor which didn't do any good because she was unwilling to help and very unprofessional. Then I ask to speak with the top notch of the company and she was a flat out bitch and wouldn't let me finish my conversation, we were pretty much yelling at eachother. All I needed from them was to waive the tow fees that was $324.25 as my payment was in mail and would receive it today or tomorrow. They say to call and give your rep an update, but apparently that does no good. Now I'm stuck paying fees that shouldn't apply to me. Now they will get the payment and more, keep in mind this is all in a 24 hour time frame. DO NOT get a loan from A-L FINANCIAL even if you have shitty credit. more

HI MY IS JESUS CORTEZ \r I HAVE HAS NOT THING BUT PROBLEM WITH A-L- FINANCIAL AND HAPRASS BY LUPE... WHO WORK AT \r ONTARIO OFFICE. SHE DOS NOT WORK WITH YOU. \r I GET TO OFFICE TO PAY PYMT BUT OFFICE WAS COLED \r AT 4:33 LUPE DO NOT OPEN FOR ME .. THE COMPANY HAVE TO LOOK IN TO IS ....\r \r MY EMAIL IS jesus_crtz@yahoo.\r \r DO NOT GET A LOAN AT A-L- FINANCIAL\r AND DO NOT LET LUPE HELP YOU WHO WORK \r AT 337 N VINEYARD AVE STE 203 ONTARIO CA \r 91764 more

My husband and I had a loan through this company for about a year, we just traded in our car and they paid them off, I now have a loan through Wells Fargo. They gave us a loan when no one else would and got us rolling. I will say the interest rate sucks and I always made my payment in cash or check at the Ontario office just out of fear of the no grace period. We even had a hard time once and they let us extend our payment. I am not going to say they are wonderful but if your in a siuation that your credit sucks they will help. Pros: Got a car, always willing to work with you Cons: High Interest, No Grace Period more

Everyone is entitled to their own opinion, based on their own experiences. A.L. Financial is there when others aren't so I feel they have the right to be picky. If you pay on time, and don;t have drama; they will be good to you. My account representative is the BOMB!!! She's always willing to help me and work with me. If you don't tell them waht's going on, they can't help you. Sure times are bad, but just not paying the note is not the answer. You've gotta let them know your situation, so they can help you before the Repo man snatches your car. Trust me it works..... Pros: Willing to work with you Cons: High Interest Rates more

Let me just say compared to the crooks I bought my last car from ""Drivetime"", these people are saints. See the people they finance are like me, had credit before.... screwed myself over.... and after years of cursing the finance system (and waiting for my credit report to clear up a lil') am ready to try it again. Now given, the rates arent the best and they will be on you like flys on crap if you even start to flake.... but really, dont they have that right? Havent you screwed other companies over before, regardless of the circumstances? We all have. Otherwise you wouldnt need a company like this too finance you. I find the best way to deal with it is to do what you agreed to do...pay them on time, and remember they did you a favor by taking on your high risk loan. If possible get in the habit of paying you payment b4 it is actually due. I usually pay mine at least two weeks ahead of time. That way if something comes up you at least leave yourself some cushion, and can possible work out something with them before the last minute. Remember if you screw your credit up again before it can even really begin to get reestablished.... you are gonna be paying cash til you die 4 everything. Pros: SECOND CHANCES ARE HARD TO GET IN THIS ECONOMY Cons: YOU HAVE TO BE DEDICATED TO NOT REPEATING PREVIOUS MISTAKES more

I agree with some of the review that was posted last. Yes, we all were probably HAPPY at the fact that someone was financing us, but just because we did not research our choice does not mean a company should be able to treat people like dirt. They harassed me at work! I know people that are behind four months on their car payment and their finance company works with them as long as they are open and communicate with them, these people are rude and having no understanding. You would think that because the economy is so bad that they will try to keep who ever is at least paying something. I admit there are some nice people here. And I understand they are trying to run a business, but there is a wrong way and a right way to treat people. They are doing it all wrong. We were never late for a whole year, but when we started to have trouble is when the true colors showed. We were behind two months, yes our fault. They took our car while I was at work, it was embarrassing. I would have preferred them come to my house. Pros: Finance You with bad/no credit Cons: No understanding-Never work with you more

It ceases to amaze me on how people complain about the situation they are in. When all they have to do is research before they get themselves into a situation where they wish not be. It is always the easy way route to complain and play the victim, but lets pause a moment and really step back and analyze how you had to get financed through them...You were anxious you wanted that car and all you heard was we can get you financed...There is so much information out there for consumers, education on not allowing you to fall into the traps of financing. I am so tired of hearing we are the victim...bottom line you wanted the car and rather than researching who your lender was going to be you were just happy that they found someome to carry your car loan. It is a great way to establish your credit because the only reason why you had to go through them was because you may not have credit history or you have crappy credit...so own up to it and be responsible and make your payments on time...do not wait til the last minute to call and ask for assistance and if you really are tired of dealing with them then take this opportunity to establish your credit for at least 6-12 months and meanwhile open a bank account with a credit union and then if you did the right thing and stuck to the pattern of a good consumer on making an effort to establish your credit with a hard dog that considered giving you a second chance then take advantage and then turn around and refi with a credit union (longest you are not upside down on the loan) So once again before you start complaining accept the fact that you are not the crown with the 700+ fico scores and you fall to a different tier because of your own doing otherwise you would of gotten your car financed with a lender that is not as agreesive. These prime lenders have to be agreesive because they took a chance with you and it is their investment, their funds. Just think back if you loaned someone your hard earned money and that person turned out to be a flake , well how would you react? So next time you start complaining really think hard...whose to blame for your predicament... Pros: You get your car financed Cons: They are hard bulldogs more

I HAVE HAD NOTHING BUT PROBLEMS WITH THIS COMPANY AND HARRASSING PHONE CALLS AS WELL....FOR EXAMPLE IN THE MONTH OF NOV. 2009 MY CAR PYMT WAS DUE ON 22ND (ALWAYS) WHICH FELL ON A SUNDAY. a REP FROM A-L FINANCIAL CALLED ME THE NEXT DAY SAYING THAT MY FILE WENT TO COLLECTIONS IF THE PYMT IS NOT MADE ON THE DUE DATE...ADVSD HER I WAS SICK WITH THE FLU AND KEPT BADGERING ME SO I HUNG UP......NEXT THING I KNOW MY GOOD FRIEND IS TECTING ME SAYING SHE JUST GOT A CALL FROM THEM .....I CALLED HER BACK AND ASKED HER WHY AFTER WE JUST TALKED STTD SHE WANTS TO OFFER ME SOME ARRANGEMENTS BUT NEVER DID JUST TOLD ME HOW IM LATE AND JUST DOWN TALKING ME.......ALSO STTD TO ME THAT SHE ONLY CALLED ONE PERSON AND WHY AM I SOOOO UPSET...ADVSD HER AGAIN I WAS SICK AND NOT ABLE TO CONTINUE CONVERSATION WOULD CALL HER BACK.....LATER THAT DAY ANOTHER FRIEND CALLS ME STTING SHE ALSO CALLED HER AS WELL......I WAS FURIOUS........WHAT CAN I DO ABOUT THIS COMPANY? AGAIN THIS IS ONLY 1 INCIDENT, THERE HAS BEEN MANY MORE......UNFORTUNATELY!!!!!! Pros: NEVER GET FINANCED BY THIS COMPANY! more

Hey There, I've also have regrets about this company. And your right they do treat us like we are some kind of criminals. They don't answer your questions but they want you to answer there's. I ask them if I can re-finance my balance due to the fact that I was recently laid off and just wanted to lower my payments. I have about 1 1/2 to go but my payments are a little high. And yes I am one of those with bad credit. And they told me they do not have the license to do that. I sais what you mean you don't have the license to do that. Then how do you financing of course she ignored me and said I would have to go to another company and have them pay them out! That is crazy.. but I know after reading some of the reviews that somebody ask to speak with the President etc etc.. Well i did some searching and wanted to share with all you's this information. \r I went under the Better Business Bureau and this company is rated F. The company has a bad rap for all their complaints. Anyway the president is Allen Lobel. who is out of the Corporate Office in Santa Ana\r A & L Financial Corporation\r 1551 N Tustin Ave suite 400\r Santa Ana, CA 92711-1907\r 714-479-1311\r 714-479-1321 fax\r Something has to be done about these people. We are all humans and we should treat each other with respect no matter what the situation is. I hope this helps you. Pros: wanted information Cons: Unprofessional, Rude, Disrespectful People more

I wish we had never purchased a car through this company. Times are tough, and things happen.Especially unexpected! And this place, A-L financial in ONTARIO Ca, are the WORST PEOPLE! They talk to you like you are a criminal! or just some low life. they are demanding and inconsiderate! They hire to many ignorant people! We have never failed to give them their payments, but there has been times where we had to be late and there was nothing we could do! I don't recommend anyone to go through this company! They are horrible people!!!! Pros: nothing at all! Cons: UNPROFESSIONAL! RUDE! more