I have a personal loan with Capitalone. The payments come out of my checking each month, so they know they are going to get paid. There was an accident in front of my house and two of the family cars were totaled which made finances tight. I ask if they would defer a payment until the end of the loan. Do you think they would, of course not. They didn't even look at my account to see that I had been paying double on everything for over a year. They are uncaring individuals. I am very unhappy with them.