I personally have purchased a vehicle from this company, over 10 years ago and will NEVER go back…read morenor recommend it to anyone that I know, not even my enemies. I purchased a vehicle from them and it had an interference motor, prior to selling the car the timing belt and water pump should have been changed since they weren't aware of the last time it had been and it's supposed to be done every so many miles. Just after my warranty ran out, literally days, my timing belt went and took out my whole motor! At the time both of my kids were little, one 6 months the other 2 yrs old, and I was there every Friday like clockwork making my payment, was never late or short. At that time I had already paid what the vehicle was worth, but when I was done it would be double which I was aware of but as a young mother I was very limited on my options. At the same time my 2 yr old son got very sick and they thought that he may have leukemia and we had to go to Buffalo childrens for 2 weeks for testing and blood transfusions. I had gone and found another motor for the car and paid for it and BEGGED auto credit to please put the motor in the car for me as they had the tools, man power, and facilities to do so, and then just tack the extra labor and any parts onto the price of the car and extend my payments. They finally agreed and I paid to have the vehicle towed to their garage, upon where their mechanics laughed stating how "this is a 4 hr job", ok well then I should have my car back tomorrow! Great! 4 MONTHS my car sat at that shop w/ nobody touching it! After 1 or 2 months I stopped making my payments b/c I was having to pay to get rides everywhere and couldn't afford both and they wouldn't tell me when I would be getting my car back, I told them they would get a payment when I got my car! Thank god, after a bone marrow biopsy they found out that my son didn't have leukemia, but a blood disorder that he recovered from after many blood transfusions. But I had to depend on my family to take us back and forth to Buffalo several times for follow up testing after we left the hospital. After months went by I went to the garage and took my motor back and returned it to where I bought it and got my $400 back, and told them to shove the car as I had already paid more than it was worth. They sold it at auction for $100 and then tried suing me for the remaining balance. I refused as a matter of principal to pay them a dime! Now yrs later I still receive just before the end of the yr a threatening letter from their attorney, who is also the attorney that we used for my mother's will and estate proceedings....slight conflict of interest, but apparently not a concern to them or anyone they associate with even the people that very well know that law! The letter threatens to take my tax money....they aren't a federal institution and they have no right to just take my taxes especially so many yrs later. NOW, I deal with them again as I currently work at a well established, highly recommended, rebuttable car dealership. My niece purchased a car from them, being in the same situation my husband and I were in when we were their age. The car should have never passed inspection...when inspection came up again, they had to put $1600 into it to get it to pass, less than a yr of paying on it. Brakes, rotors, brakelines, gas lines..exhaust! Then as they were more than willing to fix the car and add the repairs onto their payments at $50 a week, they never informed them that they would be accruing interest on the repair bill. Now the car needs more repairs as when they replaced the rotors they never put new pads on it...duh! Which I'm positive was done to ruin the brakes yet again on purpose so that they would have to come in and pay for more repairs and auto credit could scam them out of more money. They are in their early 20's w/ 2 young children and both are working full time plus another part time job just trying to keep a roof over their head, and Kyle Shults sleeps just fine at night in his big fancy house w/ the money he takes from these people and their kids that deserve to be driven around in a safe vehicle. Now I'm in the process of trying to get them out of this shit box of a car and get them into something safe and my niece sat in front of me and called them to ask them what their exact payoff was on the car...$3,362. That was what was owed on the car plus the remainder of the $892 repair bill. I found them a nice brand new 2019 sedan and got the approved for a lease for under $500 a month w/ no money down...less than 7 days after we spoke to them on the phone, I called them back to get a 10 day payoff on the vehicle and Paul told me that it was $4,239 w/ a per diem of $2.08, which means everyday past those 10 days it accrues $2.08 of interest a day. So please tell me how exactly in 7 days since the last time I spoke to them, this loan accrued over $800 of interest??!!!!! BULLSHIT AUTO CREDIT!!! I smell liars and cheats...