I've been with Xceed for about 3 years now. Almost every single month has been a hassle. They do not take payments online, they only take payments over the phone during business hours (with a $5 fee), and to use auto pay, you have to have a banking account with them. C'mon, it's 2017, why am I having to mail in checks to make a payment? Also, you have to pay early because they can take awhile to process your payment and try to stick you with a late fee.
My car is too old to refinance with another company, otherwise I would.