All I can say is this, if you are unlucky enough to get STUCK with this company GET OUT as soon as you can. They will rip you off in more ways than one. They charge you late fees if your account is less than 10 days passed due. They jacked our account around so bad after they took it over from another finance company it wasn't even funny. We always made our payments through money gram with our other company, never one problem. When santander took over we could not even do that, OH and good luck getting someone who speaks unbroken english if you ever have to call them. read full review »