Everything started out fine. Everyone at the office is nice. However, my one star rating is because CNAC in Carmel IN is their in-house finance company and THEY SUCK! I do not know who dropped the ball whether it was the folks at the JD Office or CNAC but I was supposed to be setup for auto pay by the time I left the office which was the day I received my car, and my very first payment I had wasn't paid automatically. I called CNAC the day of my first payment was due regarding my insurance information, and I found out the autopay wasn't setup. So, I also had to take care of the payment over the phone. I had a hell of a time getting my vehicle insurance information to CNAC because I was given the wrong email address and fax number. I was told at JD Byrider that I would have to make bi-weekly payments, which was fine. However, there was a day in February that I was scheduled to make a payment five days after a payment was already made. Nothing was said to me at the JD Byrider office about this payment, but it was in the contract agreement. I was told that all payments were two weeks apart. That was my understanding. These people are shady! So, I called CNAC and disputed the charge, and I told them this was NOT what I WAS TOLD! So, they finally agreed to credit back the charge and they extended the payment for two weeks which required a new contract to be written up and for me to sign. They told me that the new contract would be sent to my email and I would have to e-sign it. I never received the email. So, I received a call from CNAC on a Saturday around 4pm regarding that missed payment. I had to remind them of the agreement THEY MADE! The guy that called me wasn't aware of the extension and revision of the contract agreement. So he said he will make sure I get that email by that following Monday. Again, I didn't receive it that Monday. Also, on that same Monday I received a letter in the mail from them and it was a letter stating that I have until March 9th to make that missed payment otherwise my car will be repossessed. This letter was written TWO WEEKS after the new agreement!!!!! Keep in mind that all my other payments were paid and all on time except this one. I was extremely irate at this point. So I called CNAC and demanded them to send the email, and I made sure THEY understood the agreement they made almost three weeks prior! The guy I spoke to said the reason they didn't know was because I had to go to the JD Byrider office and have the new contract written up. That is not what they originally said! They said it would be EMAILED! So, I finally received that damn email the next day and I signed it as soon as I got it. Here I am two days later, that payment is due, and the correct amount wasn't setup to be auto paid today. They called me today because the payment didn't go through. This wasn't their fault. I had to get a new debit card because the chip in my original card went bad so they needed the new card information. Good thing, it didn't go through because the wrong amount would have been charged and this payment that was extended wouldn't have been paid on time under the new agreement. So now everything is squared away on that payment. Anyways, CNAC is very unprofessional, they will call you the day of the payment is due if the auto payment doesn't go through. Which is annoying. You have to go through a lot of rigmarole and frustration to get stuff taken care of. They are not honest, they will tell you that they will do something and then they don't do it, and then they will change the story. When that wasn't what they originally said! I DO NOT RECOMMEND JD BYRIDER! SAVE YOURSELF THE HEADACHE AND RUN AWAY FAST! THEY WILL TRY TO SCREW YOU OVER IN ANYWAY POSSIBLE! I WILL NEVER FINANCE A CAR THROUGH THESE PEOPLE EVER AGAIN! read more