We were referred to Julie at this company for financing for our pool. She actually called us and was very excited - explained the products they had, and told us the process would take about 30 seconds to get approved once we filled out our application. We then chatted a bit more and when she learned who were trying to work with, she said "oh no, we can finance a designer company, it has to be a full company that does the work", we agreed and asked her for a list of companies she works with via her finance partners - thats when she suggested Patio Pools and Spas. We said - ok and contacted them. What a disaster from that point on - (see my review on them as well). Apparently despite the fact that she recommended them, now she suddenly couldn't process our paperwork because patio pools was not part of that finance program - suddenly what was going to take 30 seconds to get us an approval on the loan was weeks - in fact we never did here whether or credit would be approved. My first question was this - what does the vendor have to do with whether or not the finance group approved US for the $. Certainly they can run our credit and determine if they want to loan to us or not - then if they have vendor restrictions can tell us - hey this is who you are approved to buy from, etc. Bottom line - this group is a sham for financing - they used us to pressure a vendor into signing up for their finance program, etc. They lied about process, did not do anything that they originally said they would do and never once told us if we were approved or not. We ended up deciding to just pay cash if we needed to as a result of our experience with this company. Our suggestion - use lightstream - they actually do exactly what they say. Do not trust Julie @ A&A manufacturing....she is a loan sales hack and lies.