I got a car loan with challenged credit through this company. At first they seem like an absolute blessing, but beware, the customer service is unfriendly and if you become late they are like sharks. I was less than a week late and they threatened to turn off my car remotely. Almost a month late and they threaten to repo. If you might ever be late for whatever reason, do not use them. They only take Visa or Mastercard for payments, no check mailing. They only take payments via moneygram or over the phone. Not online. They are inconvenient and nasty. I would only recommend them if you had no other choice. Its better to walk.