Triad Financial does call constantly! even when you are only 1 day late.
Even after you have called and set up payment arrangements, they continue to call. They don't just call a couple of times a day--they call about 100 times a day including Sunday! they are unbelievable! the interest rate is 18% and they are not satisfied with overcharging, the late fees are also phenominal.
I totally wish we had never gone with them. Also, when you do call them and talk to them, they try to insist that you give them two phone numbers.
I never wanted to do that, because they would then call my work a 100 times a day. I have never had anyone insist on two phone numbers.