This company changes their interest rates to the up category at their pleasure . one month it is 11.900 the next month it is 11.925%. A $39.00 late fee is tacked on if the payment is received after 5P.M. on the due date, even if you are paying double the amount due. My payment went from $122 a month to $137.00 a month even with the double payments. This company needs to be investigated for deceptive loan procedures.