I purchased two atvs with them only making it where i couldl borrow 2300 dollars and now because they say i missed a payment i am now in debt with them by 4300 dollars asked could i return the item due to neither one running after a couple of days of use for one of them and a day of use for the other one. They have poor customer service so yeah i gave them a 1 should be a 0000 all the way. Do not buy anything from them.