All of you who have any credit issues need to be sure that you are not signing for a loan that uses the Rule of 78's to calculate interest. This is a VERY antuiquated, redatory type of loan.
I, too had a loan from Drive Financial. When I refinanced out of the loan I learned I had not paid ANY principal. When Drive was pressed to answer why we found that our payments had all gone to interest that was calculated for the life of the loan and added to the front end.
In some states these type of loans are illegal and they are typically only used by subprime lenders.
Beware of this type of loan and be sure to ask if this is how your interest is calculated!
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