I've had them repeatedly try to hit me with that because it takes them more than a week to process my check. I've always paid my bills all at once some time in the last week of the month, and I've never had any other financing company come at me with this crap. So I started sending out that check earlier, and they've STILL tried to get me for it. And they're real douchy about it. I won't be financing with them again for sure. No online payments, douchenozzle customer service, no grace periods at all, fees for making payments. I haven't done the autodraft thing yet because there was some language on that form I didn't really understand, and I've been thinking about trying to put together some dough to pay them off and never deal with them again.