Mazda American Credit will screw you over. I contacted them after Hurricane Katrina with a hardship. They stated they would extend my loan my two months to help me out. Great! I made all of my payments for the remainder of the loan and just finished paying it off. Then I get an alert notice from myFico score watch system and they ended my loan with a notification to the credit reporting agencies - paid loan 2 months late and it dropped my score by 65 points. Previous to my last payment all my status notices were paid on time. I contacted them, they were so rude and basically stated it was my fault for pushing the two payments, even though I contacted them ahead of missing any payments and pre-arranged this with them. Never never buy a Mazda or use Mazda American Credit to secure your loan. Their customer service staff is mean, unfriendly and definitely does not reside in the USA because you can barely understand them.