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  • Truck loan. Any loan I have, I pay extra to shrink my principle balance. My first month with WFDS, I pay extra. Second payment statement - no reduction on my principle amount. But my second payment has been reduced by the "extra" I paid. I still pay the same amount thinking it was a misapplication of the funds. 3rd payment statement, even further reduced by the total "extra" I've paid. So, I call. GUESS What??? You have to be 3 MONTHS ahead on your payments before any additional funds pay down on your principle! This may be "LEGAL" but it is NOT ETHICAL. I am fortunate that I can pay off this loan, but they are LOAN SHARKS. EVERY WEEK is (LOAN) SHARK WEEK for WFDS!!! DO NOT USE THEM!!!!
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