They are a high risk lender with no programs if your going to be a day late. Been rebuilding my credit for 3 years. But returned a bad vehicle in Dec 15 so when I was offered a brand new car from the dealership I was thrilled and knew I'd pay high interest. Set up direct debit at the dealership so to never be late. Then 4 months later they call me and say I've been late every month. And owed $27 a month in late fees. I was livid. You set up the deal with the dealership all I did is have direct deposit and direct debit... then I see a problem potentially coming up and I ask if they have any programs they said no you're already a high risk. Um excuse me. Never once received a piece of mail from them as far as an address or a phone number! Well six months in and I negotiated a loan that is 9 points lower dropping my payment $70 a month. I'm refinancing now.
Learn about credit and what you can and can't obtain. I've learned a lot from posts on this site. Plus pull my credit report and scores every week for free and disputed everything fraudulent! Making a comeback!