I have been with this business of a mess for a little over a yr they are quick to cut your car off when you are 5 mins late they harrass you on the day your payment is due they will call at 7am before you even wake up to brush your teeth to see if you are making your payment on that day its due when you have till 11:59pm until the day is consider to be over with, about 2 months ago they charged my aunts credit card with out any authorization from me or her but just because i have used her card before to make a payment they decided to use her card number because they had it on file when i have had used my own debit card even after i made the payment with my aunts credit card, im in the process of trying to get out of this loan with them but they are not even reporting my payments correctly i went to a dealership and when they ran my credit tj lending are still reporting that i still owe them the orignal balance from when i first got the car when mind you i have had the car for over a yr now almost 2yrs this is the most unprofessional company i have ever delt with in my life with silly people that work for it, they are rude and think they can say what they want to people to collect money. They call your phone from all different kinds of numbers if you dont pick up from there 636-724-9200 number and will call you back to back literally when u dont answer i could go on about this company but it just to much but i would NEVER refer anyone to this company ever even if they are the only people that will finance you a car i rather walk or ride the bus then deal with them even on a good day this company is horrible and needs to be shut down i hate them.