Wells Fargo Dealer Services are the worst to get a loan for your car. Avoid at all costs. First I could only make a minimum payment online. Second when I sent in a paper check I forgot to spell out the full amount so they only took the payment of 21 dollars. Next I paid off 90% of the balance by the end of December but they still insisted on getting my insurance proof which my insurance company sent in 4 times before any action was taken. Wells Fargo still took out insurance on me for a 1/3 of what I still owed on the loan at the end of January. As of today I am still trying to get this fixed and none of my last 2 payments have gone to the principal but the overpriced insurance Wells Fargo should never have taken on my car.