So I go through the entire arduous process of submitting every single document to discover. Wait a few days get numerous phone calls over that time period Asking for additional information etc. Finally get a call saying my loan was approved. They ask me what date I want to make my automatic payment and all. Then 4 days pass, I'm looking for the deposit in my account. It never comes. I call them and learn that I was not approved that they could not verify something in my records. So basically I get the run around for a week they tell me I'm approved. I make plans based on that only to learn I'm not. Did I get a call telling me they changed their mind? Absolutely not! Definitely better lenders out there.