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When I found out that they were charging interest daily, but there was no penalty for paying weekly, I broke my yearly payments into 52 smaller payments, and added $100 per payment. It was like we had a 15 year mortgage.

I actually got a call from the lender asking me what I was doing, lime I was doing something wrong. Turns out they were calling because they realized they weren't going to make the profit they expected from me.