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  • This place pissed me off so much I can't even begin to see straight and it has been hours since I left. All I wanted was to hopefully refinance my car for a lower rate then what I already pay. I basically spent about 4 hours, Gave them 3 years worth of my financials, which shows that my business, correction, 2 businesses have grown exponentially and quickly every year since I have been open. They, in the end denied me, even though my W2 and my profit and loss combined was very high for 2015. It didn't matter that I showed them all my financials since 2012 and the yearly growth was more than impressive. I don't say this to brag, I was just so taken aback that they denied me because as a business owner I can write off quite a bit, but write offs actually work against you as a business owner. They didn't even take into consideration that I did a 60k renovation on one of my locations in 2015. I spent 2 1/12 years saving money instead of having to borrow, but to them that didn't matter, because I paid for everything myself instead of needing a loan that worked against me. I have paid way over my monthly payment every month since I have bought the car and my business numbers prove not only am a profitable business owner but a growing one. I thought a "bank" or credit union or whatever you want to call it would understand what it is like for small business owners. I guess I was wrong. It doesn't matter, I am sure I can find an institution that would gladly have me as a client. So Arizona Federal you can sit and spin with your stupid algorithms and inside the box thinking. You wasted my day and you really suck. UPDATE: seriously you respond 7 months later?! No thank you...
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