I posted some time ago. The VDC is illegal. DO NOT PAY IT! Here is proof. Call Rapid Auto Loans LLC. and make an official statement so it goes on record in case they try to repo your car. Read the below article concerning there competitor. Make sure this company is investigated as well. They are charging you illegal fees/insurance.
Lender Halts Originations Amid Florida Attorney General Investigation
"Attorney General Pam Bondi opened an investigation of Marlin Financial following a Tampa Bay Times story published last month. The story uncovered a pattern of consumers claiming they were charged interest rates that exceed the state maximums and were effectively forced to agree to debt-cancellation products"