My whole process of my new car loan with America First has been a joke. Wrong information from customer service leading me to waste my time. Now I find out I have to do an external transfer and then pay the bill that way. They are almost forcing you to have to switch your money over there so that you can make your montly payments. I much prefer Mountain America or Utah Community Credit Union, I have never had a problem with either one of those. America First has been the most complicated car payment access I have ever set up. It is ridiculous and very frustrating.