People are nice and friendly.
It really shouldn't be difficult to make a car payment with your bank. They really need to catch up with other banks on the technology end. To make a payment from somewhere other than a US Alliance bank account, you can't be signed in. You have to make a one time payment through the payment center. Which means you have to enter all of the information that would have otherwise been provided by signing in. When you do that, the system runs insanely slow. But if you call to make a payment, there's a $5 convenience fee. Funny, when you're charged a convenience fee when none of it is convenient at all. Then, to top it all off, you can't use a card, you have to use either a checking or a savings account. Which isn't an immediate charge to the account you're using to pay with. You have to wait 1-2 business days. Which means my Friday payment won't actually occur until Tuesday. I would much rather use my debit card because the money usually comes out immediately and I don't have to worry about accidentally overspending. Oh, and if you do accidentally over spend and your payment bounces, not only does your bank charge you a bounced check fee, but so do these guys. And then they apply that fee to the checking account you're forced to have alongside of your auto loan. If you don't use that pointless checking account, and there's no money in it, that fee also tacks on an overdraft charge. Isn't that lovely? Their whole process is convoluted and difficult. If you need easy banking, I would not recommend these guys. I regret getting my auto loan through them.
Usalliance Financial is a US Finance company based in Napanoch, New York. Usalliance Financial is located at 7500 US-209, Napanoch, NY 12458, USA.
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