Very Negative Experience

I purchased a new vehicle last summer and Vantage West had the most competitive rate. So far it has been a nightmare with this lender. - Very difficult to make payments. VW doesn't accept online payments for auto loans from any bank but their own. I attempted to mail a check but it was returned to sender with no explanation. Pay by phone works but you are charged a fee and it takes days to process. I was offered to go to numerous shared branches however after visiting three locations payment was not accepted (even in cash). - Customer Service is horrible. I attempted to contact customer service to assist with payment methods. I was told I could log in online to set up automatic payments. This sounded like a good solution to make sure this lender would accept my money. When I could not find anything to online I called again. I was told they could not assist me and I would need to visit a branch. I asked for a manager and was transferred. The manager told me it was my responsibility to figure out how to pay my bill. I was then directed to go to a different credit union...another shared branch...and as for help from a different bank. I own my home and this is my third vehicle. I've never made a late payment and still haven't with Vantage West, but it shouldn't take a week to pay a bill. The only way I found to pay the bill is call about a week before the due date and pay a fee for them to take my money. I'm in the process of trying to refinance just to get away from Vantage West.