So far so good! My hubby and I needed a vehicle and no one would touch us with our credit history. Rudolph DID approve us and we now have a car. Yes, the APR is 24%, which we knew before we signed the docs. They offer people that have less than favorable credit history the opportunity to get back on track. I look forward to dealing with Rudolph and thank them for the second chance! As for now I give 5 stars and thumbs up!