Exeter is like any other financing company. If you make your payments on time, and even if you don't and call them ahead of time, you should not have anything to complain about. When we purchase a car and agree to their terms, we have to be diligent in keeping up with our part of the contract (paying). I' was late one time for 15 days after the due payment, and they never called me harrasing about the payment. I did call them on time and set an expected payment date.
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Pick another loan company. I have made 25 payments on the loan it only went down $2,000 and the car payments are almost $600 a month. It's almost like being scammed. Going on 3 years in this contract I will end up paying over $40,000 or car not even worth $25,000 brand spanking new. Oh yeah they don't put gap insurance in this overly priced loan either so If you stay this in this contract for over 1 year your screwed.