Sent my payment out May 25th 18 days before my payment was due by check must have not gotten to them called me 3 days after my payment was due to say my payment was due ok, so I called the payment over the phone the amount due and the late fee (Remind You I Have NEVER been late with my monthly payments) to them. Did not take out of bank acct would not open acct til 3 weeks laterDD User's recommendation: Don't go with them terrible!!!!