This company is BS. I have made nothing but on time payments and the moment i need their help they aren't there. They give you two payment plans the ENTIRE contact. Firstly I was told it was per year. But also one of the ones i used was not knowingly by their sales rep who assumed i needed it when I first purchased the car when I told her I would make my first payment right then and there she offered it to got my pay schedule. They are a joke and the new ""FINANCIAL" manager got a control issue she literally SUCKS. She is so rude and childish. They may be willing to help if have bad credit but they aren't there for you when time gets hard. read more