I currently have an auto loan and I lost my job a few months ago. However, I communicated asking if they could work with me far as making payment arrangements and they were not willing to help. I would NEVER recommend them to anyone as well as when I get back on my feet, I plan to trade this car in just so I won't have to deal with this lender EVER again. I don't care what anyone states, they are unwilling to assist in your time of need. HORRIBLE LENDER.