I thought Provident Funding was bad too originally. But all you need is automatic debit…so it is not that bad.
My new lender (Interbank Loan) is utterly horrible. First of all, there is no website at all. Forget about on demand payment or automatic debit. The only option is snail mail. And I read online that it is slow to accept snail mail and would charge you $10 for pay via phone. So I sent my payment as soon as I got my deposit slip and 2 weeks later, it has not debited the check. I guess I can not avoid that $10 fee otherwise I will have a late payment.
Luckily, they just sold my loan to another servicer. Otherwise, I will be forced to refi as soon as possible not for the rate but to stay away from that lender.
