If you can avoid getting a loan through Bellco, by all means do it. You will be forever thankful. The process of skipping a payment if you are ahead or changing the date of said payment in INSANELY difficult. For two weeks I was trying to skip my payment as I have paid extra for a year. After talking to five different people on the phone (five separate phone calls and waiting on hold) they still took money out of my account for my payment. No one knows what they are talking about and even the management I talked to after being so frustrated was still beyond unhelpful. Save yourself the stress and find someone else to loan through if you have an option.