Celebrating Over 30 Years in Business

Since 1989, AAC has specialized in automobile financial services for consumers with all types of credit.  Whether you need to improve your credit or have maintained good credit all along, AAC is a great choice for all your automobile financing and insurance needs. When it comes to financing, we care more about where you’re headed than where you’ve been. Our goal is to provide you with financing that’s right for you and at an amount you can afford.

Our services are delivered in two ways:

  • Indirect Lending – AAC partners with over 1,000 franchise and independent dealers to finance the vehicle needs of qualified consumers.
  • Direct Lending – AAC offers consumer loans from $500 to $50,000 at any one of our 1800NewDeal locations throughout Georgia.

Mission Statement

AAC is founded on the fundamental principal of offering valuable financial products and services delivered with the highest ethical standards to meet the needs of all our consumers.

Company Vision

Continuously innovate industry best practices that drive employee development, customer satisfaction and corporate performance to make AAC one of the most respected auto finance companies in the U.S.

When it comes to financing,
we care more about where you’re headed than where you’ve been.

Core Values

When it comes to financing, we care more about where you’re headed than where you’ve been.

Customer Commitment

We develop relationships that make a positive difference for our customers.

Quality

We offer products and services that are valuable and fairly priced.

Continuous Improvement

We strive to improve our systems, process and policies daily.

Personal Accountability

We are personally accountable for delivering on our promises and commitments in a timely manner.

Empathy

We show that we care for our employees and customers by praising and thanking them for work well done and keeping commitments.

Teamwork

We collaborate in a positive, constructive manner to advance outcomes that better our customers, employees and company.

Career Development

We give everyone the opportunity to succeed and grow through training, coaching and mentoring.

Leadership Team

  • Robert L. Culver


    Chief Executive Officer

  • Robert L. Culver

    Chief Executive Officer

    Since 1991, Mr. Culver and has served in all areas of the company including finance, accounting, underwriting and account serving. Under his leadership, AAC has expanded from primarily a captive finance company for a group of Atlanta-based automobile dealerships to a regional direct and indirect lender serving states throughout the southeast and mid-west.

    Prior to coming onboard with AAC he worked for SunTrust Corporate Finance where his responsibilities included merger & acquisition consulting and marketing private placements of structured debt and equity investments. Mr. Culver also worked in the consulting division of Arthur Andersen & Co. He is a Certified Public Accountant and is a graduate of the University of Kentucky where he earned a BA in Economics and an MBA with a concentration in Finance.

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  • Darrell Ake


    Chief Operating Officer

  • Darrell Ake

    Chief Operating Officer

    Mr. Ake joined AAC as the Indirect Lending Manager in 2002 and was promoted to COO in 2007. He has responsibility for all corporate vendor relationships, consumer litigation & deficiency collections, credit reporting and consumer dispute resolution. Mr. Ake also oversees all aspects of the Direct Loan channel including advertising, underwriting and loan servicing.

    Mr. Ake has extensive experience in non-prime indirect lending for manufactured home and automobile finance companies. He managed the servicing activities for a $1B+ real estate portfolio for four years as well as oversaw day to day operations of all branch locations for a multi-state automobile finance company.

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  • Paul Dacus


    Chief Risk Officer

  • Paul Dacus

    Chief Risk Officer

    Joining AAC in 2013, Mr. Dacus oversees product management, marketing, underwriting, funding, collections and recovery operations for AAC’s Indirect Lending channel. He is also responsible for all score card development, analytics and credit risk management.

    Mr. Dacus has served as Senior Vice President of risk management for Auto One Acceptance, a division of California Federal Bank/CitiGroup, Senior Vice President of risk management for Triad Financial Corporation and as an executive at USAA serving as a chairman of the model governance committee. Mr. Dacus completed postgraduate work at UT, UTD and Texas Tech, as well as a BS and MS in Mathematics and Statistics from Texas Tech University. Mr. Dacus is a Chartered Financial Analyst (CFA), Financial Risk Manager (FRM-GARP), and a Chartered Alternative Investment Analyst (CAIA).

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  • Michael Johnston


    Chief Financial Officer

  • Michael Johnston

    Chief Financial Officer

    Mr. Johnston is the Chief Financial Officer and has held this position since joining AAC in 2010. He is responsible for the finance, accounting, treasury, human resource, and regulatory compliance activities of the company.

    Previously, Mr. Johnston was a partner in a regional public accounting firm, providing attestation and tax services to financial organizations. He has also served as the CFO for a community bank group. Mr. Johnston holds a Bachelor of Business Administration from Georgia Southern College. He is a Certified Public Accountant, a Certified Internal Auditor, and a Certified Consumer Compliance Professional.

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  • Patrick Durkin


    Indirect Regional Sales Manager

  • Patrick Durkin

    Indirect Regional Sales Manager

    Since joining AAC in 2017, Mr. Durkin has received increased responsibility for indirect sales and business development and in 2019 was promoted to Regional Sales Manager. He leads the strategies to identify, engage and maintain dealer relationships in all states served by the company. Mr. Durkin oversees the management and marketing efforts of AAC’s team of Area Sales Managers in the field.

    Mr. Durkin has spent over 25 years in the auto finance industry contributing to sales, marketing and credit operations at sub-prime lenders as well as serving in various F&I management roles at franchise dealerships.

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  • Crystal Fortson


    Indirect Lending Manager

  • Crystal Fortson

    Indirect Lending Manager

    Ms. Fortson has extensive experience with AAC in credit, underwriting and funding operations on both the Indirect and Direct Lending channels. She served as the Indirect Funding Manager for three years before being promoted to the Director of Indirect Lending in 2018. Ms. Fortson manages a team of loan officers and funding specialists while maintaining AAC’s indirect lending policies for all new contract volume.

    Ms. Fortson’s previous experience includes nine years in management roles at Temple Inland Mortgage Corporation. The last three years at TIMC were dedicated to managing the operations of a branch office for the company.

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  • Keanna Dodson


    Indirect Servicing Manager

  • Keanna Dodson

    Indirect Servicing Manager

    Ms. Dodson joined AAC in 2008 and served as an Indirect Servicing Supervisor for 10 years before being promoted to Indirect Servicing Manager in 2019. She leads the Indirect Servicing team’s efforts in delivering the highest levels of customer service and engagement. Ms. Dodson monitors all aspects of portfolio performance including collections, delinquency, asset recovery and charge offs, as well as ensuring compliance with company and regulatory policies.

    Prior to joining our team, Ms. Dodson worked for DriveTime for two years where her duties included planning, evaluating, implementing and continuously improving all aspects of loan servicing and compliance.

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  • Andrew Peacock


    Direct Lending Manager

  • Andrew Peacock

    Direct Lending Manager

    Mr. Peacock has worked exclusively in the Direct Lending channel for his entire tenure with AAC. He has led the development of AAC’s direct loan business plan including marketing strategies and product development. Mr. Peacock manages the day to day operations of all direct loan branches including new business development, underwriting and account servicing.

    Prior to joining AAC in 2008, Mr. Peacock worked for Auto Credit of Atlanta for 16 years where his responsibilities included branch management overseeing underwriting, collections, loan originations, and dealer development. He is a graduate of Auburn University where he earned a BA in Finance.

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