If..if you can, try to refinance with a credit union to acquire a lower percentage rate..after doing all the up front arrangements with jd byryder. Their 21.75% is not something you have to let stay that way.
I was there from open to close, but I did leave with a car. Maybe circumstances were unusual. However, Public (formerly PAACO) is pretty good too. I think the difference is J.D. Byrider has a smaller selection of vehicles and you can never make payment arrangements.
You might try Public Auto Group on 155.
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