If you do not have perfect or near perfect credit, do not waste your time and a pull on your credit. There are many, many other vehicle fiannce companies that offer competative rates even if you do not have perfect credit.
Refinancing next week after only 1/2 a year. I sent in a mortgage payment early with correct month's payment slip and July payment written on the check. They applied the funds to June (to extra principal). I called to tell them that I did the same w/my other mortgage companies and EVERYONE else applied the early payment to the correct month. Now the paperwork is a mess and I have to go through the 6 months of payments to see if they correctly applied funds. Worst of all, the woman rep. was the RUDEST person ever. I think they do this on purpose because she seemed a bit too ready with her responses. Today I got a notice in the mail stating that I owe July payment and August with over $100 in late fees.. ALL FOR PAYING EARLY AS I WAS IN EUROPE FOR # WEEKS. Punished for their inability to read and paying on time!
We have bought and sold 8 houses in 30+ years and this was the best experience we have ever had. They were quick and efficient with the process, and kept us updated every step of the way and actually in the end saved us money on our loan and monthly payment. We would use them again.