My grandmother got me a car as a gift for going to college. She said it was only a 4 year loan with low payments. Turns out it is a 6 year loan, the guy at the car dealership pulled one over on her.
I called Arcadia and asked if I could change my 6 year loan to a 4 year loan, all I got was a run around. Later when I made payments by phone so they wouldn't be late I was charged $12.00 for making it over the phone, it would have been nice if the associate assisting me would have let me know about it.