UACC is charging excessive interest rates to people. I bought my car from what turned out to be a shady car dealership. Little behold they were working with shady laon companies too... They sent me the paper on my loan about two weeks after the purchase and the interest rate was a whopping 21%. Naturally I'm upside down on the car's value and after all payments I would have been paid over 35K for a 15K vehicle.