I have had them four 4 months on my new car and they have been horrible from the get go. They would not let me to auto pay unless I hit 3 months and then they want extra money to do it and it doesn't go towards my balance. You would think they would want auto pay. Now, I have been trying to make a payment on the internet for 2 days and it had been down. Now they want to charge me over $9.00 to do it on the phone. I said no, it was their problem the website was down and could be down for another 48 hours. I guess they will just get a late payment. I am not spending $9.00 to make a car note when they advertise the internet and then they can't provde.