Miss one payment in two years plus and they harass me every other hour up until almost 9 pm at night, I believe it was 8:40 pm at the last call of the day yesterday. I simply forgot to make payment due to a chaotic event in my personal life. Do not recommend them at all. They also immediately charge you a $25 fee if you are even an hour late and then interest rate is insane. Got this to build my credit as a young adult and will be paying it off and closing ASAP.
Also lots of emails. Jeeze it's been a month late, by mistake, not 6+ months like you'll never see your precious money again!!!! Don't harass your clients! Doesn't leave messages just calls NON STOP THROUGH OUT DAY AND INTO NIGHT. Insane.