Do everything you can to avoid this car loan, they will put you in a worse situation than you are in now, I had to sell my Truck and buy a smaller car due to having this loan, I owned my truck since 04 and could not afford it anymore from doing business with this company, Due to the unreasonably high interest rates from the beginning and when I threatened to take the loan elsewhere they gave me a better deal, also if you get a late fee it will pretty much guarantee that you will get so far behind you wont be able to catch up. AVOID AT ALL COST!!! They are the wost.