Yes, I just paid one off and I should be receiving the Title by the end of August!
As long you pay the amount due every month, you'll be fine. I finally put mine on their auto withdraw site to keep it current. I was able to break the pymt up in two monthly pymts, on each payday. But I had to pay the $10.00 late charge because the 2nd pymt was after the due date. It worked for me, however. I determined when my last pymt would be & I set it up online to stop on that date.
I called after my last pymt was withdrawn to confirm that they discontinued the auto pymt withdraws and they had already removed me from it; that impressed me!
I hated them for years because their collectors (which are from another country and very difficult to understand) would start calling on the due date, which was the 2nd of each month and that was such a hassel to deal with. They were very difficult to understand and they didn't always understand me and sometimes I would get 2-3 calls a day or in a week and it wasn't even past the grace period yet!
This one reason that I set up automatic bank withdraws.
They started calling me after I set it up and I complained that it was a ridiculous practice and one of the representatives stopped the calls; that impressed me also!
Just make sure you pay every month and you'll be fine with them! I didn't hate them so much during this period of time!
I want to buy a used car for my daughter and I'm thinking of calling them to try to finance it with them (I must be desparate to jump in that pan again!!)
