Paid on the 20th of every month always paid over the minimum. Went to pay my last payment and they changed the date to the 15th. Deliberate scam. I had to pay $593.93 interest. They’re in it with Aspen Dental and both will screw you over. Lesson learned I will never use either of these companies. Don’t believe it just look at their reviews. Class action suites in tons of states as well