WORST FINANCE Company EVER! Seriously, do not waste your time. They charge an ungodly interest rate and have horrible customer service! I am 13 payments away from having my car paid off and I can't wait! I had a 54 month loan (UNGODLY amount of time on used car) and yes I have been late from time to time. Not every month and usually not more than a couple days. They have a $22 late charge if your payment is made more than 2 days past the due date. I actually called at Christmas and said look I've spent more than I realized at Christmas, can I make this payment 2 weeks late when I get paid next? They told me no, and that they would be prepossessing my vehicle! Seriously worst company I have ever had to deal with!