I have used Payless on numerous times with nothing that I would consider a problem.
Now there was one time when I arrived early and they would not give me a car early for the reserved price but they would give me one at a higher price. But there was one time when they did give me a car early for the reserved price.
Payless (and also L&M and also EZ and perhaps others I haven't researched) reserves the right not to rent to you if you don't have collision insurance on your own car back at home and you decline theirs.