I don't know what everyone's problem is with this ...

I don't know what everyone's problem is with this company. All you need to do is make your payment on time and there are no problems. I have had good experiences with customer service and they helped me to the best of their abilities. They cannot help what company policy is, nor can they change them. They give credit to people, who in most cases probably don't deserve it. They really helped me out by extending me credit for a car I needed, my credit is damaged to circumstances beyond my control.

The only reason I didn't give them 5 stars, is they do lack payment options that work for me. I have online banking and they do not accept payment through the debit card I have.