I've dealt with UACC for over a year now. They are the MOST DIFFICULT auto finance company that I've ever dealt with. The allow NO GRACE PERIOD but they do NOT bother to mention that when they accept your loan, only after you've been late (by even a day) do they forcefully notify you that you have NO options with their company. I would STRONGLY recommend that if they come up as your approved finance company that you look elsewhere. They will NOT work with you and will force you to either refinance their loan with a more reputable company or give back your vehicle.