If you deal with Huntington, make sure to read the back of the contract very closely. That's where they put the penalty for early pay off. Oh, and it will be a smaller font and much, much lighter type. I didn't even realize there was print on the back until I held it up to the light at home.

They do waive the penalty if you pay it off within 6 months of the final payment, but 26 months early (my situation), not so much.

Other than that, I do agree that they have traditionally been hassle free.