I got a loan with Americredit back in 2005 on a 2004 truck.The interest was at 17% very high at the time. I have made every payment on time, have never missed a month.I called them in Nov. of 2010 to see if they could help me by lowering the interest rate since I haven't missed any payments and have been on time every month.The truck will be paid off in 1 1/2 years. Their reply was we don't have a plan in place to help people lower their interest rate even if they have been a good customer. If they can't help a good customer, Don't help the Company to get rich off off the backs of people who really try to do them right.