Absolutely THE worst company to get a car loan with. You end up paying 3-4 times more than the loan is..after 3 years they reposed mine for being 6 weeks late with the payment & auctioned it (probably back to the dealerships that work with them) almost immediately then said I owed the difference which was almost what my loan original loan was for. Left me w/o a vehicle, ruined my credit & years after this happened they turned this over to lawyers..it never ends. I still don't have any paperwork on this 4% loan the dealership told me they approved me for after repeatedly asking for the contract. Its just so shady & have lost class action suits against them before because of their business practices. I just wish there was a current one going in now so I could be a part of it. BUYER BEWARE. Don't get a loan thru them. You WILL be sorry.