A-L Financial Corporation - Santa Ana, California

Dominic & Damien M

A-L Financial has been nothing but understanding and cordial with me since I began dealing with them about 5 years ago. Easy payments via text and even when times got tough on my end they accommodated me with more time to pay and allowed a lighter payment for me more than once. Very much appreciated from a Dad with sole custody of 5 son's. Thank you.

Julie Duck

Four years ago I had a very low credit score after getting out of a damaging relationship. I had no car due to losing mine in a bad freeway accident. This company was the only one who’d give me credit for a car, which I diligently paid for four years without missing a payment. Yes they make you jump through hoops proving yourself before they give the loan, but if you make payments on time and don’t ask for anything else they are easy to work with. Now my car is paid and I received the title this morning! Very grateful they gave me a chance to prove myself.

rafael vera

Had a car financed through them for 4 years. I’m glad I’ve gotten my credit score up that I won’t have to use them to finance a car again. This company finances people with low credit scores with bankruptcy’s so I feel the generalize all their customers because I’ve gotten some bad customer service there from the staff. Just recently that I finished paying off my car it’s been 2 weeks and they haven’t released my lien. They are also not releasing my title for another week. And the lady I talked to was also super snotty and not trying to let me explain that what was their reason for me not getting my title or lien release letter.

Chris Lecona

I’ve been with this finance company for 2 years, and I get the boo boo reviews in the first 6 months I was struggling to make the payment on time . So they get on the phone and begin calling you and all you’re references. CONSTANTLY but what I’ve learned since those first 6 months is as long as you PAY your car note on time . You’ll never hear from them. I pay automatically through my debit card which is a feature they started during the beginning of Covid. So point is as long as you pay your bill on time they won’t bother you.

K F

No place is perfect, it is inconvenient that they do not offer online payments and they charge you to utilize your debit card and they're business practices are a little uncouth, but what else do you expect from a company that offers loans to people with problem credit. I have a few more payments left and when I am late I send a notification via fax and then mail it in and I make the payment when I say I will. My pay dates are scattered all over the place and it can sometimes be difficult to pay on time but I do my best. At this point if they want the car they will take it no matter what. I just do not worry about it anymore My payments are never over 30 days late and they are reporting on my credit as paid on time. So I stopped complaining a long time ago. I will be glad when I pay them off though.

Moe Zet

avoid this company like the plague. Will not work with you, will harass not only you but your listed referrals and will demean you while they do.

I called ahead of a payment that I knew I would not be able to meet due to losing my job and having my unemployment delayed by said company. I asked for 2 weeks, they said "No" 1 day after said payment was due I endured easily 4 phone calls a day asking when I was going to pay my car note. If I happen to not answer one of their calls they would start hunting my down by calling everyone on my referral list. Which led to my family and friends calling me to check if everything was okay, because a company called asking to speak with me since they couldn't get in contact with me.

They also belittle you every chance they get when they do actually speak with you. "Well sometimes we have to be grown-ups and ask people for favors" "Who else can you ask to borrow this money since you don't want to pay this bill" really just on and on with them. There really was no way to work with them unless you were willing to dig yourself into a bigger hole for their benefit.

Unless you have a very extreme need, not want, but need for a vehicle and this is the only loan you can get due to reasons, then okay and be extremely cautious. If there is no need, then avoid at all cost.

Veronica Barrera

ellos solo tienen una estrella, ya que son arrogantes, despotas, y groseros, la tal Yessenia hasta te cuelga el telefono y cuando pido hablar con su manejador, me pone al simple supervisor llamado Alex, que le pido el apellido y dice que no lo puede dar,…. 🤷‍♀️yo se que por reglamentaria son de atraso 60 dias y pasaron 40 y tomaron mi camioneta, solo para cobrar $1,370dls y aparte es ridiculo que no aceptan otra forma de pago, mas que en efectivo, los habian de investigar porque han de ser una financiera marca patito, asi que no se dejen enganar y no acepten esa financiera es de lo peor 🤮

net net

So I've been paying extra on my car and they keeping telling me that I owe the remaining balance on the credit that I over paid. That's not how paying extra on your car works. In addition, they gave me a late fee for it. Not paying the late fee because I wasnt late on anything. The extra money I have been paying is to pay off my vehicle faster. I question whether they know what they are doing.