Although the rates are high, if your financing a u...

Although the rates are high, if your financing a used vehicle for less than 10K this company is probably your best bet. They give you option of paying down the principle during your financing term above what you pay monthly without being penalized.

All in all, I'll say there ok for first time car buyers. With that said, the rates are astronomical. If you aren't financially disciplined then you may find these rates to be a let down. I would look at this company as an option to rebuild credit though.

Note: make your payments ON TIME. No lender will be easy on anyone who makes late payments.