This kind of company deals with people who have had low credit scores for what ever the reason. They are preditors. I have done some research and I see a pattern emerge over and over again. After about 3/4 of the payments made, and much harassment, they reposess the vehicle and sell it for almost nothing (probably to one of their own private buyers). then leave you with this enormouse balance (almost as much as you were origianly loaned)which includes fees they never tell you about or show you. then call and send you threatening letters. Here are some of the tatics they used on us: Mike once went to my husbands work and threatened the office with calling the police unless they gave him my husbands schedule. They told him to go or they would call the police. Another time they came to our house (a gated community-dont know how he got passed the gate)and left a note. they called all the time even when the payments were on time they would call a day before it was due. I lost my good paying job which paid the enormously high interest loan payments. Then asked Mike and Sabina if I could refinance the balance so I could lower my payments and keep the truck, and both of thier responses were... we are not a lone company and can not do that. They loned us the money in the first place so whats up with that. and most of all they debited my bank accound with out my permission!!!! I will never never take another loan out like this again. it puts and keeps you in the poor house. I tried to work with them but they would only want to know when my payment will be in and that was it. Yes I know a contract is a agreement but when circumstance you can not control happen they should work with you. If they say they do they lie.