Run away if you want to save your credit score and looking for seemless customer service

Two times in less than 12 months that the debit order doesn't go through and results in arrear accounts affecting my credit score. I called them and had to arrange for EFT payments. They're answer: "we will follow up, we also don't know why because we a re acollection department"

You can't even make a lumpsum to reduce your installment. The only option is to make a lumpsum to reduce credit term

Also they hang up in the middle of the call unexpectedly.

I urge you to run and look for mainstream banks for financing your vehicle.