I did not have a choice in this company (Service Finance), but rather got financing through the company that did the work. IF you have a choice, do NOT use this company. Their customer service is horrendous. They caused so many problems (and fees) due to erroneous multiple postings to my checking account. Then refused to do anything to help me. My bank gave me specific instructions for the most expeditious way to fix this, which involved Service Finance stepping in (to fix the problem they created) and call my back to assist in rectifying. After placing me on hold for over 5 minutes to "speak to a supervisor," I was told there was nothing they could do. There WAS something they could do, and I was handing them the detailed instructions on what to do. But they would not even listen. Did not care that I was going to incur likely hundreds in fees for overdrafts due to their error and multiple submissions of one payment. No concern whatsoever.
Don't even get me started on their website. I pay all my bills on line now, and have used countless websites for different companies to schedule payments. No issues. but this site is awful! I never thought I'd say this, but IF you must use them, pay the old fashioned way - by CHECK/mail. It actually seems easier to resolve related issues, which inevitably will occur with this company. I wish I would've known more before I agreed to do business with Service Finance.