I understand this place is for high risk loans. My son doesn't have credit and ended up with them. The problem is, he tried paying early and they refused to take his payment. Their letter states he can prepay without penalty but now they won't let him prepay. First they threatened saying he's violating the terms of their contract after he did what he was supposed to. He had to call to prove he wasn't in violation before they'd stop harassing him. Then the prepayment problem. Now they're holding his check but refuse to apply it to his account which is due in 4 days. I feel they are trying their hardest to repo the vehicle he just got last month. This is ridiculous! One month and he's already been threatened and harassed twice. I've dealt with many loan companies and have never found one this bad. High risk loans or not, no one deserves to be harassed, threatened, and disrespected. Especially not for doing the right thing.