Hi, I want to let you know that I financed my Mustang through Lobel Financial in March 2018. I have never missed a payment, always paid more than the minimum and paid for the car in December 2021. They closed my account and it shows up on my credit report. I received my title from lobel financial customer service at the end of December. I never had any problems with Lobel Financial like the stories I read. I recommend just making payments on time.