I had bad credit and needed a car. The first dealership couldn't help me. The second dealership hot me approved through Friendly Finance. They have always helped me when I needed it. When my insurance cancelled they covered me, when I was late they gave me extensions. Now i have experienced all types of people there. But all in all they have been very helpful. I still owe them but that is because I didn't pay like I should. I take responsibility for that. The reps have always been helpful and respectable in the 4 years u have had the loan