I needed to write an update as I am disappointed in one thing I was told in regards to the 90 days same as cash. If you are in a bind and need to go on a payment plan, you may want to consider other options. The bank they use to finance whatever balance you owe is a serious rip-off. It will take you forever to get out of the hole unless you make huge payments (which of course, if you could afford, you would;t need the financing). The bank they use charges $2.31 a day in interest so by the time your monthly payment rolls around, 2/3 of it is already back on your balance. If I would have read the fine print I may have reconsidered using this service but what can you do when you need your car? Just another example of people with money preying upon those who don't. This is as bad as those payday loand that thankfully went away.....