I have been paying on this car for 4 yrs and will be paid of in November of this year (2 months) I called last pay period to see if I can defer my payment and combine it with the upcoming payment which is in 2 weeks. They wanted documentation to prove why I wanted to wait till next pay. I had moving expenses, deposits for my new place etc....they did not care. They said that's not a hardship. Mind you I will be finish paying in 2 months. They said nope. The only thing I could do was pay all of if minus $50. They really thought saving $50 was helping. I had been paying on time and they would not work with you. Now the car is falling apart with so many issues. I would NEVER do business with them and have told everyone I know in the market for a car to not deal with them.