So I promised myself I was going to write a review once per month for a year. Last month got a way from me but I am back on track. So I paid my van last year like 11 plus thousand dollars. I left just enough owed for my last payment to be withdrew from my checking. they sent me a letter cancelling my auto pay. So I though well I must of miss calculated and I am paid in full. Nope about two weeks before Christmas they called me stating if I didn't pay the last payment I was going to collections. Ruined my kids Christmas because my last work check I was going to use for Christmas. User's recommendation: dont use.