I got a car title loan in the amount of $300 almost two years ago. They told me minimum pmt monthly was $78.00. I've been paying now for over 18 months and the principle has not reduced by even one cent. They charge late charges of $3.00 a day when late and threaten to repo car when I'm even a day late...even when I've called to let them know I'll be a few days late. I've never missed a payment. They even wanted me to pay an extra $33.00 for them to file a lien against title. It seems there should be a cap on how much they can collect on a loan. read full review »