As a current employee of the Ron Tonkin family I am aware of the disasters that occure through AA customers. They never pay referral fees they charge an extremely high interest rate and they do this to people who have decent credit but need to get it established.
The Tonkins work with many financial institutions and AA isn’t the only high risk financial institution they work with. I understand people are having trouble more with them than anyone else. They tend to quote a rate then jack up the rate once the loan is approved. They are horrible at paying out commission to the sales people who helped them make money with these financially challenged people and when confronted they act like they have no clue what you are talking about or that you have no clue what YOU are talking about.
I strongly advise people to not go through them. Rebuild you credit any way but thier way.