I must say that all the negatives I hear, happens with all banks when you fall behind. I financed my car with wfds 14 months ago, never had a late payment, Christmas came along and I called wfds 2 days before my payment was due, and asked if i could extend the payment to the back of the loan, so I could get a special xmas present, no problem, I paid the $25 charge. I have had great progress with wfds, and plan to finance another vehicle with them soon. If wfds let everyone who falls behind slide, that would be a very large number, and... read full review »