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Sorry to hear that man. Yeah they are a buncha crooks. My best advice to you is pay it off in the first month if you can and then report Credova to Buds and then the BBB. They shouldn't be allowed to take advantage of people like this.Bypass I hate to bring this old post back to life but I just had the same thing happen to me. When you paid it off which company did you pay? Credova or Monterey? I was going to pay within 30 to do same as cash but I received an email today that they transferred my loan to Monterey. Now my early purchase is 2300$ where as my early buyout on credova was 1250$. Any help would be greatly appreciated.