Best advice I can give you is run! I give them one star because lying with a straight face is a talent and apparently a requirement for employment at auto action. They spend way more time and effort covering up shady practices than they do improving customer service and their product. I would have been better off using my down payment for a beater and just making repairs along the way. Super shady billing department. I called in because my debt card got lost and was using it for auto draft. I thought hey, let me use a checking account this time so i dont have to worry about lost debit card. The billing rep said checking account does not work anymore and to give him a new debit card so he can process the transaction. I tested his claim and tried to make a payment with my checking account..... wola it worked and money was removed from my account. Bottom line, Auto Action is exactly what you think it is ... so stay away.