Auto Acceptance

The good news is, they will finance your auto loan from Ron Tonkin Auto when most banks won’t. The bad news is, they are pretty much your last resort if you have sub-​par credit and you really want to buy that car. So, be prepared to pay a HUGE interest rate. When I say huge, a customer service rep from there once told me that the majority of their customers pay over 20% APR for a used car. Yikes! Fortunately, because they were willing to loan me money for my car and I’ve been able to keep up with payments for over 2 years now, I’ve been able to dramatically improve my credit score and was recently approved for a used car loan from another bank in the reasonable 5−10% range. Unfortunately, Auto Acceptance won’t let you refinance your terms with them, but if you’re able to find another company to pay them off after a couple of years, you will definitely save some money. As for customer service, the only thing that irks me a little bit is the fact that they start calling you the morning after your due date to remind you that you are past due. Other than that, they are really nice people, just doing their jobs and if you are nice to them and you communicate with them if you have any issues, then they will treat you with respect. I’ve never dealt with anyone that was rude there and I stop by their office from time to time to pay my monthly bill.

I’m not sure who past reviewers have been dealing with who are rude. Everyone I have spoken to in the process of making payments and checking on my loan status has been super pleasant and helpful, especially my contact Jenna.
Yes, the interest rates are high, but I have HORRIBLE credit and they were able to get me into a safe, reliable car so that I can continue to go to work and pay my bills and build my credit.
I’m not exactly thrilled about being upside down in debt on my car, but that was the fault of the salesman who sold it to me at a much higher price than it is worth and my own error in not doing more research.
Auto Acceptance has been great to me, I only wish they had more of an online presence.

Well, the part about re-​financing is a lie. when we got the vehicle from Ron Tonkin Dodge in Gladstone they did tell us we would be able to re-​finance later… That much Auto Acceptance confirmed to not be true. My credit was horrible, no bank would loan to me, my score was about 540 and I had like 7k or 8k in debt on my credit report. I am appreciative to AA for giving me a car, but I do feel it is very harsh to not be willing to re-​finance people. I mean after one year, if you make your payments on time, each and every month, then why not re-​finance??? they would still make plenty of money off of us! Well, anyway, I guess that is too much to ask for when you are a supposed piece of crap no good loser with bad credit right?
And yes they are very rude, they are sarcastic, cold and do not seem to care two dimes about their customers. I simply call once per month and pay, it takes me 30 seconds or so and that is all I have to interact with them monthly! I’ve never had to go down to their offices or anything, thankfully. I have several other co-​workers who also go through AA and they too have complained of how rude AA’s employees are.
Well, my score did drastically improve, it went up exactly 80 points in 8 months of payments! This much I was very happy about! Of course I was also told by Tonkin that after 8 – 12 months I could bring the car in and get something better/​cheaper. (I have a 2003 buick lesabre) great car, but huge, heavy, and eats a lot of gas in city driving, plus my monthly payments are $ 336, I’d really like to make that lower. So anyway I did go back to tonkin 8 months later, and guess what? I would have been able to get another car, but ONLY a new car, why? because of the 26% finance rate I have been paying AA there is not enough paid into the actual amount of the car, so therefore there is not enough positive equity in the loan… and therefore only a new car would cover up the bad equity (this I was told by yet another dealer too in Beaverton, so no, it was not a Tonkin/​AA conspiracy). Of course my score having gone up 80 points in 8 months, AND a 2k down payment AND my mother (who has very good credit) being a co-​signer would put me at about $ 385 monthly for a 2013 Dodge Avenger lol, what a laugh, of course this may be a different story if this were say a honda civic, but a dodge?!
Anyway, to sum it all up, I would highly advise people to EXPLORE all options and not just jump in like I did, because you WILL be somewhat if not completely stuck into a very high finance loan and most likely with a car that was not your first or even eight choice lol (like me!) and then have to wait a year or two to be able to get rid of it.
I think what makes me the most mad is how much money they are making off of all of us and how they treat us and obviously think of us, and how do they show their gratitude? by a slap in the face and no re-​financing! If you’re stuck in a high finance situation with them, try your best to get out of it!

This place has the rudest people ever I hate dealing with these people every month! As soon as I can get away from them I will! Only gave one star because
I had to!

This company is affiliated with the RonTonkin auto group. I financed my first car with these guys and it was a great experience! If I had to do it again, I would…