Well I used to have perfect credit, always had a brand new finance car and things were great. I lost my job in 2007 and struggled for months to make end meet. Eventually it came down to a place to live with my kids or my car....so obviously the car had to go. Reposession killed my credit. So now I've yet to be able to rebuild my credit and probably won't unless i file bankruptcy. Anyhow...I needed a newer vehicle that is dependable and can handle all 4 of my children...so Laser Finance was the only option and I was just grateful that they are around. Yes the interest is high but unforunately...it is what it is. Thats is the price you pay for having bad credit..regardless of the reason why your credit is bad. They have been very professional and for the most part nice to me....had some issues in my first couple payments...mistakes or mis-understandings on my part but they were understanding. What more can you ask for. Really everyone is having tuff financial times...but its better to call and talk to them and be honest rather than ignore them. I am thankful they gave me a chance and I'm thankful that they are not too hard to work with.
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