About eight years ago I refinanced with Beneficial with the deal with each year of on time payments my interest rate would lower.  Since the branch was in our town I always dropped the payment off so when they closed that office I had to start mailing it & then they wouldn't always get it on time.  Late payment was excused when I started having them take it out of my account every week.  Weekly payments cut down on the duration of the loan & interest.  Which was the reason that was set up in the begining.  Although they have tried to get me to refinance with different programs I have stuck...