Never a problem and now that they accept credit cards it is much more convenient. Everyone has always been friendly and professional. As far as interest rate and terms of payments, I agreed to pay when I bought my car. I am thankful that they took me on as a client. If I am late, I call and let them know. They even allow one missed payment every 12 months and add that payment on to the end of the loan. Call them if you have a problem, of course there is just so much they can do, but within reason they can be helpful. It is what it is. Wish I was paying less but, I caused my own bad credit.
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