Yes, time is needed. Even though the business is transitioning to secured lending over SACCs the rub off from the unethical practices of the industry has hurt, and maybe rightly so. I don't really see high interest car loans as particulary unethical either. Not managing your finances well for what ever reason and then being charged more because of the added risk to a lender is just life.
Similar to the personal loans. If you are in a bind and pose more risk to a lender you will pay more. It's just the revolving debt traps that I don;t agree with and from the company's comments they were not involved in this, but who knows.
