L D.
They make it hard to make a payment - perhaps so they can charge late fees
At first, it was easy to set up and make automated payments through my bank, then suddenly, SDCCU couldn't find the account. Only because I made a payment ahead and watch my accounts closely did I catch it. Since then, I had to call in payments. I tried to mail them, but SDCCU lost the mail (US mail is NOT that bad, or just lose them to ONE location). I am in the process of refinancing the loan to get rid of this company - even if it means paying a higher APR. NOT WORTH doing business with them.