I currently have a vehicle with CAC and there are pros and cons, for example they are helping me build my credit and what most people do not realize is that during a credit rebuilding you have no options, you are going to pay more than you should but if you hadn't screwed up in the first place then you wouldn't have to find someone to approve you... CAC approved me and they are helping build my credit and yes it's almost 19% interest BUT i am only on 3 years and 9 months financing. NOW, I am always on time with my payments but god forbid you are late for example today is 2/27 and my payment is due on the 25th which this month was friday and they are closed on the weekends... Well I got paid friday and they were closed on the weekend and I am always on time and pay more than needed but today I had a rude individual call me and was completly rude and obnoxious to me, they help rebuild but they are * to deal with when it comes to being even a day late.
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