Made extra payments towards principal, these payments were put towards next payment not principal. I called in to let them know I sent a 10, 000 dollar plus check in to be applied to principal. They messed up my account and a week later I get a call saying my boat was up for repossession. After discussion he saw they screwed up. Multiple phone calls, late fees of 150 and bad credit reporting and problem is still not resolved. I never missed a payment and always paid extra. They are terrible and can only tell me they will submit a request to fix it.