Ever since I have been dealing with American Car Center/American Financial (ACC/AF) its been the most unprofessional experience ever. I purchased a 2014 Chevy Malibu from the Covington Pike location March 2018 with the Salesman Andy. ACC/AF is not honest about what they are getting people into. They prey on people with little to no credit and are only concerned with getting people's money. I put $2000 down but still had to pay an additional $500 before my bi-weekly payments of 236.02 started. Shortly after I got the car, I accepted a new job being paid semi-monthly. After I informed my account rep at the time (Dewayne) of my new pay schedule along with my offer letter that he requested he states that they don't have a process to change the due dates and had the nerve to suggest that I just pay the late fees on the weeks that my payment is not due. I even tried to double up on my payments because I felt like bi-weekly payments are unnecessary. I paid $463 for 3 months until I realized my due date were still jacked up. I paid on a Friday (2 payments of 236.02 = $463) and on my receipt it said my next payment is due the very next Friday. I called Dewayne for some explanation and he tells me even if you double up on payments you're still not paying monthly. He says accounts are paid every 14 days, so if you do make a double payments you're only paying it up 28 days... In addition to this, when I first attempted to trade the car in after a year I was informed by ACC that the contract is actually a lease not a loan. Meaning, once the set amount of payments are made to satisfy the lease I could either give the car back and walk away or pay a $3400 residual for the title. If this was explained before I signed the contract I would have never given them by business. This company needs to be exposed. I will send this story are direct all local media and news to the other horror stories people have encountered by doing business with this dishonest company.