I have had my loan with americredit since 2005. I baught a brand new 2005 Mazda. Since then till now I have worked hard to get my credit back to good standing as it used to not be the best (Thus why my loan got taken by Americredit and not a real lender). I have been making small extra payments on my car since 2005 no problem. have a 20k loan down to around 6-7k right now. I sent them a check for right around $2064.00. I contacted a Customer Service rep before hand and was assured. I was due for Aug payment so 421.86 woudl go toward... read full review »