Drivetime/Bridgecrest gave me a chance when no one else would because I had no credit. If I was ever a few days or even a few weeks late all I had to do was pick up a phone and call. They changed my due date when I changed jobs even got me into a new car when I totalled the first one. Now I'm paying of my second car with them this week and just co signed on a third one for my aunt. Great company!