This company is scum. I have made my payments on time for 5 years. During the beginning of my loan I added a little extra to be applied to principal so that my final payment would be less and I would have credit towards the interest due on the account. I get to the very last payment and surprise the last payment is the exact amount of the regular payment. No credit for any of the extra I sent in at the begining of the loan. I wrote to them wanting them to fix. never heard back from them. Now I am being charged fees up my wazzoo late... read full review »