Mr Gordon Is A Very Nice Man! We had a check bounce, things were mixed up at the bank, and we always pay on time. He was Very Understanding, He didn't charge Us a Late Fee or A Returned Check Fee.. My Husband and I have Horrible Credit. We were approved and got a new truck. Yes the interest rates are high right now, but that's because of our low credit score, So it's kinda like we're paying for having bad credit and it' like we're buying our credit back. So we both win!!!! Thanks American Financial! :)