Hi Spencer! When I bought my 3rd NH tractor in 2004, I finally wised up and had the payments automatically taken out of my checking account. This has been hassle free. Between the zillions of letters that go thru the USPS and the thousands of payments that must go thru NHC, one or more of your payments is bound to come up missing, misplaced or just plain lost. If this happens, even if its their fault, you usually lose money. Make sure you get delivery confirmation when you mail your payments, and even if you have a mind that never forgets, S**t happens. Since I am getting 0% financing, and don't want to get blamed for some other persons carelessness, I decided to make THEM responsible for withdrawling the money on time. Also, I'm starting to save more and more money on not needing stamps. One of my better decisions. Good luck on your payments.