Very disappointed with the way this company does b...

Very disappointed with the way this company does business. For starters I was told that I could refinance my interest rate after a few months of on time payments, however when I called them up after 9 months of on time payments they told me they don't refinance for a lower rate, they would just extend my loan for lower monthly payments. What a joke. One of the account managers by the name of Rida is by far the worst person at the company. She will explain to you that you should be happy that when she call you she's being nice. However Annie a ext 316 is the only reason why I would give this place one star. She's nice and very understanding of the real would situations. But please at all cost avoid this company and the extremely rude staff.