Client Review on Honor Finance

Feedback:

So far my experience has been good. >My experience with customer service was fine. There was alot of verification, your job, pay, address, bill w/ your name on it etc. I did a phone interview, kinda like a welcome and confirm your loan details, payments and see if you have additional questions.>My monthly payment is auto debited to avoid late fees & to avoid online payment fee. >I had a 436 credit score, they worked with me and I did not need a cosigner :) . APR (24.95%) is high and based on your credit. Score went up some after loan was added to my credit report. I feel no matter what company you go thru, high APR is a given if your credit is not so great. You're not necessarily able to choose which bank to work with. They choose you and you determine whether to accept or deny.>Total amount to pay is way more than car is worth, of course, but that's the price you pay based on your past mistakes and credit worthiness. Just have to work to improve over time. >It's been almost a year, all on time payments, will check for possible refinance. Doesn't hurt to ask. I've had no reason to call, so not much additional feedback on customer service. Will update later on if any changes or nonsense occurs.