Never, never take a loan with Citifinancial. I have tried to make payments on their automated system - they give a confirmation no. and accept and then in a week or so I get a call saying I am now delinquent. They are rude, unprofessional and insulting. Trying to take care of my financial obligation I have been insulted, put on hold for in excess of 2 hours - I just wanted to see how long it would go-, and hung up on. I have tried to make payments that have been refused and when I asked about the law regarding this was told they did not care. My credit has been damaged due in large part to THEIR mistakes. Stay away from this company. They are nothing but BAD NEWS to anyone - even honest bill paying customers. Save yourself the trouble of dealing with them!!!!!!!!!!