The only way to ever engage in a loan of this nature is to pay it back asap, otherwise you get absolutely buried at a rapid pace! I knew when my payment was my due, but still received several reminder phone calls which was rather off putting. Bottom Line: They really don't like it when you pay off these loans off quickly. I have a feeling they (employees) receive bonuses on interest paid etc. The Girl that did my loan didn't like it at all when I said I was paying my loan off in its entirety. She did nothing to get my payoff which I had to jump through hoops to finally receive. They don't accept cash, and take their time on releasing your title. Just not a big fan of this place. The employees seem nice on the surface, but they're in business to capitalize on the misfortune of others. It would be nice if they would simplify things by accepting cash as payment. Isn't cash still king?