Snap! Financial Snap Finance No monthly statements, refuse to send a statement, won't take online payments. 144% interest !!! Salt Lake City Utah

I'm just flabberghasted at Snap Finance. I had no idea of what I was getting myself into. I had to get my BMW fixed and they offered Snap finance. I had no idea that my Interest rate would be 144%!!!!!  Isn't this kind of APR illegal?? Didn't the PayDay loan places get in trouble for charging people this kind of percentage rate and were forced by law to lower it because it was taking advantage of people ?  How is this any different???   Ultimately , I'm not complaining about getting duped.  I signed the stupid agreement as my car was already fixed and I had no choice.  The APR was not relayed to me even after asking before I picked up my vehicle.  I had contacted Snap and asked their customer service department twice and they did not supply it.  Now I know why.  

2 weeks after I signed they were already wanting a payment with NO statement sent advising me. And per the agreement , it's bi monthly of 77 dollars. They do not allow for payments online.

To NOT provide a monthly statement of how my money is being applied and what is actually due seems ILLEGAL. I am going to pursue further action and notify state and national news outlets to expose this ridiculousness. They obviously prey on the poor and desperate and that is what pisses me off. And people have to assume their money is being applied correctly. They claim that any time I want the balance I can call. Sorry. That is not good enough.

Fortunately they have a no penalty or interest charged if paid off within the first 90 days. I'm paying it off tomorrow and pursuing this issue not for my sake, but for all the other people who are falling victim to this asinine policy.