This place is running a SCAM!!! They did the same thing to me. My Truck was reposed 1 day before the first payment was due. I was given all sorts of excuses as to why and when I was able to show they were all not true. They pulled the Insurance scam on me. They said I was without insurance for one day. When my Insurance company gave all of us paperwork showing I wasnt. Kathy told me she will do whatever she wants too. She reported to the Credit bureaus that I made 3 payments on time and then she had to repossess my truck. When the truth is I had t been made the first payment. I know getting a new vehicle can be exciting but Im warning you and so has everyone else. Find another Company to do business with. Kathy is like that little kid that got picked on, so now she takes it out on whoevers she can.