I was unable to finance through dealership due to self employment (even with documentation). Seems most banks lump all self employed into 'underemployed' category. I have a master's degree and teach online as an independent contractor, for the same money I was making working for a state agency. Ended up going through Credit Acceptance, even though decent credit scored compared to average (630).
Made my first payment on 17th of the month at dealership, though it was due 22nd. Dealership told me they would send my payment. Did not tell me that had to send it by mail. On the 24th I called company. They said never trust dealership to get payment in on time, though they say it takes 'a few days' on their web site. I now get the beeping every time I start vehicle, to remind me payment is late.
I have a paypal debit card, as that is how I am paid. Company not set up to take half of the country's debit cards, so those of us who can't must use western union or money grams. I believe they are in with these companies and there is some kind of scam going on to benefit western union. Why should I pay $10 every month to make a payment.
Of course I did not know of the payment options, or should I say restrictions, until my paperwork was signed. Now I am stuck with this loan. I wonder, even if I pay on time every month, will I still get this harassing beep. No creditor should have such restrictions on payors that require you to use high fee services.