Loan Max Threatened to repo car after 3 weeks Internet

   These "last chance" lenders are what you have when you've burned all of your other credit bridges.   You know this and they know this.    They are going to trust you with their money about as far as they can throw you.   That's why they make you put up the title to your car.    You and they both know that if you continue the kind of repayment behavior that got you into this mess, they will take your car.

    Naturally, you did not live up to your end of the agreement and now you want to accuse them of ripping you off.  Simply put, they didn't.   You did this to yourself.   You knew the ridiculous interest rate going in.  You knew the payments.  You knew that they would take your car if you didn't pay as scheduled.  

   When you have screwed up your credit so bad that your only choice is to deal with these bottom feeders, you need to keep in mind that the stakes (and the interest) are much higher.    They will not lend you money unless they have something of higher value to back it up (in other words, your credit is Zero).   They will also not accept nebulous promises to pay in the future.  They've heard that all before and since your true credit rating with them is zero, they have no reason to believe you.

  Your report seems to single out this one company, but the same would happen and any of the other bottom feeders.     The real problem is that you keep borrowing money that you cannot afford to pay back.   Until you get that fixed, you'll keep getting hosed by these bottom feeding lenders, whatever their name.

"The second month I struggled to make this same interest payment because of Christmas."

What was more important, Christmas or making your agreed to payment?  Guess we already know that answer.

"I asked for 1 more week, the week after Christmas telling them that I could then pay the loan offf in full, not just the interest payment."

Where was this payment money coming from?

All they were interested in was the fact you were unable, early in the loan, to meet your obligations.

Yes, it was a mistake to get money from them.  Remarkably poor judgement. You seemed surprised at the interest amount.

Guess you didn't read the agreement.

'This is the only auto I have and need this to work..'

That problem solved itself when you lost your job.