They use forceful scare tactics that are so excessive it almost becomes funny. For instance, when my husband first got the loan they told him that he could not be late on his payment even by one day. He was concerned about what would happen if the payment date fell on a weekend. They told him that he needed to make sure his payment was received by the due date or they would come and get his car. The inevitable happened and I eventually forgot to mail out a payment. My husband was in such histerics that we had to drive 40 miles during rush hour to the payment center in order to pay the bill before they closed. The lady at the counter was very rude and, to be honest, not very bright. I was sure she would be able to reassure my husband that he was previously misinformed but she actually confirmed what he was told. She stated that customers were ""not allowed to be late"", even by one day! At this point I asked her, if that were true, why there was an amount entitled ""late fee"" right on the payment stub. She fumbled over her words and never did come up with a clear answer. These people think were idiots! Just for that I now pay 7 days late every single time. True I have to pay the $9 late fee but it helps me feel better about being trapped in a long term contract with these vampires. Oh, and guess what. They have never ""come to get the car.""
Pros: Well? The building wasn't that hard to find.
Cons: Souless corporation devoid of all traces of professionalism and run by morons.
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