I too wish I could leave no stars, my family has financed Three vehicles through them, the prior two had been years ago. This vehicle was taken for a "late" payment of 45.00, we disagreed on. The new account manager is also a snake, coming from another competitor company and spreading PRIVATE information with this company. Had nothing to do with this vehicle either , or payments on the other company, we owe them nothing. It is a shame the management could not understand your pay date does not always fall on the exact date of the split payment date. WE WERE TALKING THREE DAYS PAST THE DUE DATE.......no grace period. We were also not told the vehicle was wrecked. Do not try to use the Dodd Frank Act as your cover either! ***DO NOT USE THIS COMPANY!!!! ***