My Daughter used them for her vehicle. She never missed a payment nor was she late with a payment for over a year and a half. Well, her car was totaled in an accident. She didn't know about gap insurance and was left with a balance of $1,500.00.. That was it. When she asked if they would finance her again she was told to that they couldn't do that.... They were paid over $11,000.00..... The thing that gets me is if you are unwilling to work with a client that has never missed a payment, never was late "EVER", why should anyone deal with them????? So, of course they slapped the $1,500. on to her credit report to make it appear as if she is a delinquent client..... If you are in need of financing, don't use this company!!!!!!!