Misinformed and poorly trained customer service agents. Store employee, Julie, advised if I were to make a lump sum payment to apply it to my number of payments and not the balance because it would not save me any money. I informed her she was wrong. A lump sum toward the balance would shorten the life of the loan so I'm not paying the interest as long. Julie still argued with me and I had to hang up. How many other clients are being fleeced because of misinformation???!!!!!! read more