This is seriously the tag-line on these devices that are now being installed at my dealership(remain unnamed). helps credit challenged members to rebuild their credit by automatically disciplining them to make their car payment.. The device is called On Time, here is how it works... On-Time I now have installed close to 50 of these devices, and they are quite visible to anyone in the vehicle. It's legal. I knew this device was coming but now that it's here, it feels a bit strange. Too far? Thoughts?