it started off as wachovia then wells fargo bought them out now what i can't figure out is why and i mean why would it cost more to pay it off then doing monthly payments. example would be if joe had 3500 left in payments til he gets the title however he's thinking why not pay it off. researching he finds out that the 3500 he has in payments is going to cost say 3600. who in the write mind does this why should it cost more to pay off a vehicle when it should be much less read full review »