Auto Credit Of Florida

That is what they do. Help you rebuild your credit. Now for some of the posters here, let us examine that statement, ""Help you rebuild your credit."" HELP YOU - How? They loan you money when you have rather consistently proven that you don't/can't pay your bills on time, or at all. REBUILD - Note that it is NOT ""build."" It is ""rebuild."" That?s right, you HAD credit, but some other companies learned a lesson by losing revenue by giving you credit at a ""reasonable"" interest rate. YOUR CREDIT - It is YOUR credit. Not theirs. Take care of it. If you can't make a payment on time, call them before they call you. As long as repayment arrangements are made (and this is key - made and MET) the phone calls will ease up considerably. If you are sent to Auto Credit, you are a high risk loan. Thus the high interest rate. If you don't repay it your car gets repossessed. Does it really take an advanced degree in aeronautical propulsion systems to figure this out?! And the paying every two weeks? That?s when you get paid. The concept here is that if your payment is due when you get paid, it should be easier both to remember and to pay. Those thoughtless, heartless bastards! You were not forced to sign your contract that had the interest rate plainly stated upon it. The due dates follow your paydays. Payment books? I have not seen one of those for a major loan since the Eighties. Come on people, instead of bitching about a company that is willing to take a big risk on you, either honor your debt or don?t sign, take your down payment money and buy a beater. Oh, and just a word on netiquette ? typing in all capital letters is considered rude, and shouting. How much credence do YOU give the guy standing on the curb yelling at the world?! more

First of this company is a bunch of rats crooks and there mothers if they have one. I bought my mother a car from city mitsubishi which finiciaded with these dam ratz they are awful they repo the car then got it back due to needed a car to go back to work more

We must always remember that we signed the contracts. Yes, their interest rates are exhuberant and just down right ridicuous, but it was clearly explained when you purchased the car. I have had NO issues with this company. ON the contrary, they have been very accomodating. Just recently, I could not make the regularly scheduled payment and I called and just doubled my payment the next time. The name of the game is make your payments and make them on time, so when and if you do come across a hiccup, they as any company will be alot more likely to be able to HELP!!! Autocredit, my only recommendation is lower your interest rates... more

I just got laid off and told them and they didn't even care. What was I suppose to do after getting laid off and I haven't received my unemployment yet. My payment was two days late and they called me and harassed me. WTF they are annoying about that. Is not that I'm not going to pay but it will be a coupe of days late. I made a big mistake financing through them and I will never go back to the dealership that I bought my car through and will not recommend to anybody. Less than a year of my car purchase my transmission needs to be replaced at $1200 when I was told the car was in great condition...those liars! I'm leaving it up to God because when this world comes to an end all the crooks like them will...need I say more? Oh and by the way..I didn't want to give yall 1 star rating, I had no choice in order to post this..yall deserve NO stars! more

I purchased a vehicle from this greedy group of clowns. The vehicle that I purchased immediatel started having a series of major mechanical problems even though I was assured that there was nothing wrong with this vehicle. I paid a very large sum down and used this company because it was recommended to me by the crooked car dealer where I purchased the car. After I started having issues I contacted the company and requested that they advocte with me in regards to my lemon purchase. Not only did they not help but a member of their staff who was assigned to my case mocked and harrased me repeatedly. This company re-poed their vehicle and sued me in Florida court. Not being able to leave my job to travel to Florida for the short court notice they garnished my wages. I dont mind the garnishment as the debt was mine however, this company will not stand behind you when one of the car dealerships THEY DO BUSINESS WITH rips you off as a consumer. more

THESE ARE THE BOTTOM DWELLERS THAT FEED OFF PEOPLE WHO ARE TRYING TO GET BACK ON THEIR FEET. 30% INTEREST ON A 10 YR OLD CAR AND WHEN YOUR 1 DAY LATE THEY THREATEN TO REPO YOUR VEHICLE! DO NOT DO BUSINESS WITH THESE SCUM OF THE EARTH PEOPLE! Cons: EVERYTHING SHARKS THAT KILL more

THE ONLY REASON ANYONE WOULD HAVE TO BE FINANCED THROUGH THEM IS BECAUSE OF THEIR CREDIT. I AM RETIRED NAVY (21 YEARS) AND 70% DISABLED. THIS COMPANY WILL NOT EXCEPT DIRECT DEPOSIT FROM MYPAY. ADDITIONALLY, IF I AM A DAY LATE WITH MY PAYMENT, THEY SHUT MY CAR OFF. I HAVE NEVER HAD A COMPANY BE ABLE TO SHUT MY VEHICLE OFF! I AM TRYING SO HARD TO FIND ANYONE TO REFINANCE MY LOAN WITH THEM. i ADVISE ANYONE WHO IS THINKING ABOUT USING THIS COMPANY TO RUN AS FAST AS YOU CAN AND FIND SOMEONE ELSE! Cons: MULTIPLE / WILL NOT FIT IN THIS SMALL SPACE more

I'm only one working at this time, and if I'm late I don't get harassed, all I have to do is talk to them. I give them my promise of when I'll be in and never denied me. I make sure if I say I'm going in to make payment on a certain day that I am there to do so, I have never broken my word and never been past 30 days late. I would not hesitate to recommend them to anyone. All staff members that I have ever talk to have been very professional. Pros: Very Understanding w/my financial difficulties. more

I have been with Auto Credit for almost a year. Make your payments like you are suppose to and everything is fine. more

I have an account with this company and I have to say that this is the most unprofessional and devious organization ever. I would strongly advise anyone to never, ever, ever deal with this group under any circumstances even if you have to walk to get around or buy an old junker. I wish I had never gotten into this contract and my only option to get out of it will be to file bankruptcy and probably lose everything I've put into trying to pay for this car I financed through these bottom feeders. Buyers beware!! Cons: Continuous harassment; constant due date changes more

THIS COMPANY IS UNPROFESSIONAL. THEY KNOW YOU ARE TRYING TO BUILD YOUR CREDIT AND THEREFORE THEY WILL FINANCE YOU, BECAUSE YOU ARE DESPARATE. I BOUGHT A TRUCK FROM ORLANDO AUTO BROKERS AND THE TRUCK HASNT MADE 6MONTHS AS YET AND I AHVE ALOT OF FRAUDALENT ACTIVITES. I CONTACTED AUTO CREDIT TO DISCUSS WHAT IS GOING ON AND THEY STATED TO ME THAT THEY WILL NOT TAKE ME OFF THE CONTRACT AND THAT THEY WILL STAY ON MY CREDIT FOR THE REST OF MY LIFE. tHEY WANT ALL THE MONEY FOR THE CAR. HOW INHUMAN IS THAT? GARBAGE COMPANY more

I AM PUTTING THIS ON HERE FOR A FRIEND OF MINE. I AM THE OWNER OF THE BUSINESS-JANITORIAL COMPANY AND HAVE OWNED IT FOR 22 YEARS IN NC AND SC AREAS. MY FRIEND IS A RETIRED PHARMACISTS FROM THE MILITARY AND IS NOW 60 AND BOUGHT A VAN FOR 6250.00 PUT DOWN 2700 CASH. THE NEXT DAY I RECEIVED A CALL TO MY BUSINESS FROM A LADY AT GUESS WHERE FROM AUTO CREDIT. ASKING ME TO GET HER A COPY OF MY FRIENDS LAST TWO PAY STUBS AND SHE ALREADY HAD FRONT COPIES OF THE CHECKS. SAID SHE NEEDED TO VERIFY THE CHECKS WITH THE BANK. I TOLD HER I DO NOT HAVE THAT ACCOUNT NOW IT IS CLOSED AND SHE DEMANDED THEM. NEXT SHE REUESTED PROOF THAT MY FRIENDS ADDRESS ON 17 BUSINESS IS NOT A BUSINESS ADDRESS SAID SHE CHECKED. I EXPLAINED IT IS A RESIDENTIAL HOUSE THEN ASK IF MY MAIN OFFICE IS IN NC OR SC THEN SAID SHE NEEDED ANOTHER COPY OF HIS DL'S AND SHE ALREADY HAD A COPY OF THEM AND ALSO HIS MILITARY ID. AND THEN SHE SAID SHE NEEDS HIM TO CALL HER ASAP SHE STILL HS MORE STUFF TO ASK. MY ADVISE IS TO NEVER EVER USE THEM SO HE ENDED UP PAYING CASH FOR THE BALANCE ON HE VAN. THEY HAVE CALLED TODAY AT LEAST 5 TIMES. AND THE APPROVAL HAS BEEN 9 DAYS AS OF TODAY'S DATE. Pros: THIS COMPANY IS TERRIBLE Cons: THEY SCREW more

I have had a contract with this company only under a different name in TN. I am contacting an attorney to see what can be done about filing a Class Action Claim on this company and all it's affliates, on the harrassing phone calls, illegally respossessing my car when I was not late on a payment and was paying over and have never missed a payment. How many people have they done this way. There are laws against the way they contact their customers and how they are treated. more

I just recently bought a vehicle from Duval Honda on Cassat Ave. in Duval County, Fl. I bought a 2004 Honda SUV on 12/19/2008. Final approval for the loan came about 4 days later. On the fifth day the calls started. Every ""flipping"" day they were calling me and my references about a payment that was not even due until 01/05/2009. Needless to say, I went ahead a payed them in person on 01/02/2009. It was the only way to get them to stop calling me!!! I will never do business with them or Duval Honda or any other subsidiary of the Scott-McCrae Group. As a previous pollster noted Auto Credit of Florida really does make you ""detrimentally- even If I have to sell my first born- determined"" to pay off your loan with them. ""Just kidding about the first born comment"" If you have an alternate option to getting a car loan explore it... SERIOUSLY! -The Anomynousone Pros: You're Approved! Cons: You're Approved! ""Where's your first payment (that's NOT due for 14 days) on your 26.00% APR Loan? more

I never recieved a payment book either. Payments were every two weeks. Their agents begin calling before the two weeks are up wanting to know when you are going to send your payment in which either has to be done with a visa, mastercard or by western union. If you don't have a visa or mastercard you better go buy a prepaid one. If they don't get ahold of you the first time they will call you 20 times until they do reach you, at home, or work. They leave messages with anyone they can talk to at your work. They call on Sundays, before 8a.m., and after 8p.m. which is supposed to be illegal in the State of Forida. If you can't get a vehicle by any other means, I would suggest saving your money and paying cash, or even buying an old ugly clunker, instead of using them to finance a car. Pros: They give credit to people with poor credit Cons: They will drive you crazy with phone calls more

Auto Credit Fl makes auto loans to people who do not qualify for most auto loans. They make the loan and collect the payments. For someone who needs a car and cannot qualify anywhere else, it is an option. Pros: Will loan with bad credit Cons: pymts are made more than monthly more

Do not use this company for anything in the world. I never even received a payment book and every payment i make is late due to the fact that they continually change my payment date to suit them. They are very unprofessional on the phone with threats they can not do and are unwilling to help you out if you need an extension. I attempted to pay my loan off early and they wanted an extra $1000 just for that. I would never recommend them to anyone...not even an enemy. more

This compay is very unprofessional! They do not give you a receipt for your payments unless you take the time to visit them in person. I had a baby and they were not willing to work out an extension or any type of payment plan for me. I strongly urge anyone in urgent need of a vehicle...DO NOT SIGN IF IT'S AUTO CREDIT! I promise, you'll regret it! The only good thing about them is that you are determined to pay off the vehicle to end your relationship with them!!! Pros: Like I said, they make you more determined to pay off the loan. Cons: Everything else...From arguments to extremely inconvenient payment plans! more