I had a GMAC loan on one of my vehicles. I had bought it on a promotional 0 % down offer. I had the loan two years. I had no problems and couldn't beat the zero % interest rate. However I really got the run around two years into the 5 year loan when I wanted to do a complete pay off. I called several times for the payoff total. I sent that amount and they said I owed more because there was a few days interest. What a pain!