Get your car loan somewhere else. $10 charge for paying loan online, $12 charge for PAYING OVER THE PHONE WITH A ROUTING AND ACCT NUMBER. I thought it was a joke, but they are not kidding. What kind of payment processor charges $10 for a $300 transaction anyways? Clearly some of that is getting kicked back to the bank. I cant wait to pay off this car so I never have to deal with this joke of a financial institution again.