If you don't have a checking or savings account with them it is very difficult to make a car payment. I bought a car at a dealership and financed with Del norte because they offered the lowest interest rate I've never dealt with any financial institution that does not allow on line bill pay unless you have a checking or savings account. I've financed with other credit unions and have always been able to use online bull pay; if you want to conduct your transaction electronically you have to start the transaction about ten days before your due date! In addition; when you call them they are very rude. I would rather pay a few dollars more per month and deal with a friendly, efficient business. I will be exploring options to get my loan refinanced right away.