They front load interest rates like gmac did under the rule of 78 I thought thies were behind us but thies people are modern day jessie james crooks of the fiance trade do not do business with them if you have good credit go to you bank I bought a trailer put $10. 000 down thought I was in good shape paid 6 months $75 too $100 over my payment amount covid got me and the company I bought the trailer from made me a offer to buy it back but the crooks I financed it with I still owe $500 moore than I financed if you have bad credit I understand you have too use people like this but if your credits good run like hell from old jessie and the gang