GO TO ANOTHER LENDER.
They are shady and will make it hard for you to make payments and hard for you to see all the extra fees they are charging you. RUN AWAY!
Moved out of state and have been chasing them for a month now to get a copy of the title to my husband so he can register his car in RI. My bank got everything to me in just under 2 weeks, and I had no issues. My husband has had to call every day and is repeatedly told another reason for the delay. He's also spoken with supervisors who say they will call him back with updates, but never have. We offered to pay off the car to get the title, but they told us it could be an additional 3-4 weeks for that process to complete, so we're stuck.
I have one more year to go to pay off my vehicle. It was a 72-month loan. I paid on time and overpaid at times. When I called for the payoff, I was told I also have to pay a prepayment penalty, not just because I am paying it off early, but because through the years I had overpaid what was due so a prepayment penalty was tacked on to my account. Car dealers give you over 10 documents, most of which are so unreadable because the print is so smal. I wish they would have pointed this out to me!