I purchased a car through this financial institution. I was not told that if my insurance lapsed or my insurance company did not notify them of coverage, that $325+ would be added to my car note. To top it off, I fell behind on a couple payments and was told I could get a deferment at least 6 different times. Still no deferment, not showing that they are trying to help me so they can keep me as a customer. I am very disappointed in this bank. If you are looking to purchase a car, please make sure Velocity is NOT the lienholder! Learned from my mistake, please stay away from them!