Purchased a car in December 2006 with a 72 month loan. I made all my payments mostly on time, but I am two payments behind recently. Somehow instead of my buyout being around $1600 it is now just over $3700. Are you serious??? They say the difference is the interest on my 2 past due payments. So on a $23, 000 loan my total cost when I finish paying is just over $40, 000. In addition the stopped sending bills out through the mail over a year ago and to make a payment on line they charge an additional $12 payment fee on top of your normal monthly bill. So they are getting an additional $144 per year in fees. What a rip off this company is. Not worth doing business with in anyway.